Finbase
Direct Lender based in Auckland
Key Facts
- Provider type
- Direct Lender
- Headquarters
- Auckland
- Established
- 2015 (10 yrs)
- FSP number
- FSP1003560 ↗
- NZBN
- 9429052042393 ↗
- Open offers
- 2 open / 2 total
- Funds listed
- 1
- Website
- www.finbase.nz
Last reviewed: 12 July 2026
About Finbase
Finbase is a 100% New Zealand-owned wholesale investment manager based in Remuera, Auckland, providing property-backed lending secured by registered first mortgages over New Zealand residential and commercial real estate. With a history recorded in this directory from 2015, Finbase is a registered financial service provider (FSP1003560) with NZBN 9429052042393. It offers two structures to selected wholesale investors: a single-investment option (minimum NZD $1,000,000, offering a fixed interest rate from 7% p.a. paid monthly over typical 3-24 month terms) and a PIE fund (minimum NZD $100,000, quarterly distributions, PIE tax capped at 28%, with a stated objective of at least 5% above the 90-day bank bill rate). The vehicle listed on Wholesale Investor is the Finbase Mortgage Program, an evergreen private credit fund in the PIE structure that is open for subscription on an ongoing basis rather than through time-bounded raises. As at September 2024 the manager reported 260 loans under management, an average loan size of approximately $479,000, and an average loan-to-value ratio of 41%. Key people recorded in this directory include directors Pernell Callaghan and Hayden Thompson and investment manager Jordan Evans. Investments are offered only to selected wholesale investors under the Financial Markets Conduct Act 2013 (Schedule 1) and are not covered by the Deposit Compensation Scheme. Finbase is not on the NZTE Acceptable Managed Funds list (dated 15 June 2026) for the Active Investor Plus visa. Source: finbase.nz (2024).
Location
Auckland
Established
2015
10 years track record
Funds Managed (1)
Open Funds & Active Offers(3)
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.
Finbase Mortgage Program
Always OpenFirst mortgage secured lending on NZ commercial and residential property
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.
Get Started
Quick Info
Frequently Asked Questions
What is Finbase?
Finbase is a 100% New Zealand-owned wholesale investment manager based in Remuera, Auckland, providing property-backed lending secured by registered first mortgages over New Zealand residential and commercial real estate. With a history recorded in this directory from 2015, Finbase is a registered financial service provider (FSP1003560) with NZBN 9429052042393. It offers two structures to selected wholesale investors: a single-investment option (minimum NZD $1,000,000, offering a fixed interest rate from 7% p.a. paid monthly over typical 3-24 month terms) and a PIE fund (minimum NZD $100,000, quarterly distributions, PIE tax capped at 28%, with a stated objective of at least 5% above the 90-day bank bill rate). The vehicle listed on Wholesale Investor is the Finbase Mortgage Program, an evergreen private credit fund in the PIE structure that is open for subscription on an ongoing basis rather than through time-bounded raises. As at September 2024 the manager reported 260 loans under management, an average loan size of approximately $479,000, and an average loan-to-value ratio of 41%. Key people recorded in this directory include directors Pernell Callaghan and Hayden Thompson and investment manager Jordan Evans. Investments are offered only to selected wholesale investors under the Financial Markets Conduct Act 2013 (Schedule 1) and are not covered by the Deposit Compensation Scheme. Finbase is not on the NZTE Acceptable Managed Funds list (dated 15 June 2026) for the Active Investor Plus visa. Source: finbase.nz (2024).
Where is Finbase based?
Finbase is based in Auckland. New Zealand-domiciled funds are subject to the Financial Markets Conduct Act 2013 (FMCA) and oversight by the Financial Markets Authority (FMA).
Is Finbase registered with the FMA?
Finbase is registered on the FMA's Financial Service Providers Register (FSPR) under FSP1003560 and holds NZBN 9429052042393. FSPR registration is a legal requirement for entities providing financial services in New Zealand and does not itself constitute an endorsement. Verify current standing at the FSP register before investing.
How long has Finbase been operating?
Finbase was established in 2015 and has a 10-year track record. Past performance and operational history are not reliable indicators of future returns — review the fund's Information Memorandum and audited financial statements before investing.
How much capital does Finbase manage?
Finbase reports assets under management of approximately NZD $200.0 million as last published. AUM figures are sourced from the manager's own disclosures and may include committed-but-uncalled capital depending on definition — confirm the basis with the manager directly.
What funds does Finbase manage?
Finbase currently lists 1 fund on Wholesale Investor NZ, of which 1 is evergreen (permanently open for subscription rather than time-bounded vintages).
What is the minimum investment in Finbase's funds?
Minimum investments across Finbase's currently listed offers range from NZ$100K. Minimums are set per offer and may change for new vintages — confirm the current minimum in the offer's Information Memorandum. Wholesale-only offers also require self-certification under FMCA Schedule 1 before subscription.