Finbase
Direct Lender based in Auckland
About Finbase
Property-backed investment provider offering first mortgage security
Location
Auckland
FSP Registration
FSP1003560
Established
2015
10 years track record
Funds Managed (1)
Investment Opportunities(2)
Finbase PIE Fund
OpenDiversified portfolio of first ranking mortgages across NZ real estate with Public Trust as trustee
Finbase Direct Lending Opportunities
OpenSelect individual first mortgage lending opportunities sent via email. Choose specific properties to fund across New Zealand with detailed security valuations and exit strategies. Each loan is independently assessed with LVRs typically between 40-65% on residential and rural properties.
Key People (3)
Pernell Callaghan
Director
Leadership
Director with sound background in property industry. Founder and Director of national agency Arizto Real Estate, employing over 150 staff throughout New Zealand.
Hayden Thompson
Director
Leadership
Director and successful property investor. Involved in over 60 real estate trade projects in 3 years.
Jordan Evans
Investment Manager
Investment Team
Investment Manager supporting property-related investment opportunities for wholesale investors.
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Quick Info
Frequently Asked Questions
How do I verify a provider is legitimate and trustworthy?
Conduct thorough due diligence before investing with any provider: (1) Check FMA Register - Verify the provider is licensed or registered with the Financial Markets Authority (www.fma.govt.nz/compliance/entities), (2) Review track record - Research past fund performance, years in operation, total funds under management, (3) Check key personnel - Research investment team backgrounds, LinkedIn profiles, previous roles and experience, (4) Request references - Ask to speak with existing investors or portfolio companies, (5) Review documentation - Read Information Memoranda, trust deeds, audited financial statements thoroughly, (6) Understand fee structures - Ensure fees are clear, reasonable, and aligned with industry norms, (7) Check for red flags - Promises of guaranteed returns, pressure to invest quickly, unlicensed operators, lack of transparency. All providers on Wholesale Investor NZ are pre-screened for legitimacy, but always conduct your own due diligence.
What questions should I ask a fund manager before investing?
Ask fund managers these critical questions: Investment Strategy - What is your investment thesis? How do you source deals? What's your competitive advantage? Track Record - What returns have you achieved historically (gross and net)? What percentage of investments succeeded vs failed? Can I speak with investors in prior funds? Team - Who makes investment decisions? What's their background? Have there been recent departures? How is the team compensated? Risk Management - What was your worst investment and what did you learn? How do you handle conflicts of interest? What's your downside protection? Fees - Explain management fees, performance fees, and all other costs? What's the hurdle rate? Process - What's the investment committee process? How often do you report? What voting rights do I have? Exit - What's the expected timeline to liquidity? Have you returned capital to investors before? Get answers in writing and verify claims independently.
What is the difference between a fund manager and a platform?
Fund Managers directly manage pooled investment capital, making investment decisions, conducting due diligence, managing portfolio companies/assets, charging management and performance fees, and carrying fiduciary duty to investors. Examples include private equity firms, credit fund managers, property developers. Platforms provide infrastructure for accessing multiple investment opportunities, do not make direct investment decisions (investors choose from offerings), may conduct initial due diligence on providers, charge platform fees or take commissions from providers, and offer comparison and research tools. Examples include investment platforms, crowdfunding sites, syndication platforms. Some hybrid models exist - platforms with house funds. When investing via platforms, you still need to evaluate the underlying fund manager's capabilities, track record, and terms as if investing directly.