INVEST WITH KINOX
Make your savings work harder.
Invest with Kinox in short-term, property-secured lending across New Zealand. Seek strong monthly income from clearly structured, asset-backed loans.
Investments are available to wholesale investors only.
Review individual loan opportunities and choose the ones that suit you. Each project sets out the borrower, use of funds, security, loan term and repayment plan. Larger investment enquiries are welcome; availability depends on the opportunities offered.
Returns are typically in the range of 10% to 15% per annum, depending on the loan and risk profile. Interest is paid to you monthly, less tax. Payments may be delayed, but a delay does not, by itself, extinguish your entitlement to interest under the investment agreement.
Participate in a specific short-term business loan backed by New Zealand property, rather than buying the property itself. Security may be a second mortgage or an agreement protected by a caveat. Review how your investment is held, who holds the security and your repayment priority in the project documents before committing.
Loans are backed by New Zealand property, typically through a second mortgage or a security agreement protected by a caveat. Additional property security may be required where appropriate. A caveat protects an existing interest; it does not itself create a mortgage.
Depending on the lending structure, we may require personal guarantees from directors or other guarantors, and General Security Agreements (GSAs) over the borrowing entity’s assets. Additional security from related entities may also be considered.
Maximum combined LVR is up to 85% of assessed property value, including existing secured lending and revolving credit limits. We assess the available equity and repayment plan for each loan; a lower limit may apply.
Our focus is on loans of $50,000–$200,000, allowing investors to consider spreading capital across different borrowers and properties. Diversification can reduce concentration, but does not eliminate the risk of loss.
We examine recent bank statements, mortgage repayment records, and title records and changes. We look for repayment pressure, unusual transactions and additional debt. For higher-LVR loans, we require evidence of income to support the repayment assessment.
We generally prefer loans behind a first mortgage held by a mainstream New Zealand bank. We review the first-ranking debt, available limits and priority arrangements to understand the exposure ahead of us. The bank is paid first; its involvement does not guarantee the safety of our loan.
PROPOSED LOSS SHARING
Kinox proposes to bear 50% of the net loss on each participating loan, with investors bearing the remaining 50%, as defined in the signed investment agreement.
Example only: a $40,000 net loss would be split $20,000 to Kinox and $20,000 to investors. This is a share of the loss, not protection for 50% of the loan principal.
This arrangement is proposed, not currently a funded reserve or a guarantee. The agreement must define net loss after recoveries and costs, allocation between investors, payment timing and Kinox’s obligation. Any payment depends on Kinox’s ability to meet that obligation. Investors can lose capital.
Illustrative opportunities only — these examples are not live investments or offers.
An Auckland property company needs funding to finish an investment renovation before listing the property for sale.
A Waikato wholesaler needs working capital for a seasonal stock order while awaiting customer payments.
A Christchurch property trader needs to settle an investment purchase before another property sale completes.
Illustrative lending scenarios only — these are not actual Kinox transactions or a record of past performance.
A Wellington contractor bridges an agreed IRD payment while completing contracted work.
A Tauranga property company completes final works on an investment property ahead of a planned refinance.
A Hamilton engineering business purchases equipment to deliver a new commercial contract.
Tell us your preferred investment amount and timeframe. An enquiry is not a commitment to invest.
We must establish the appropriate offer pathway and complete identity and AML checks. Investing $50,000–$200,000 does not, by itself, make someone a wholesale investor.
Review the complete loan and investment documents with your own adviser, including security rights, costs, risks and any loss-sharing terms.
Proceed only once the agreement, funding instructions and reporting arrangements are clear. Repayment depends on the borrower and recoveries.
Property values can fall, borrowers can default, and enforcement can take time and incur costs. Prior-ranking lenders are paid first. A caveat protects an existing interest; it does not itself create a mortgage or a power of sale. You may be unable to exit early and could lose some or all of your investment.
This page provides general information and illustrative scenarios, not an offer of financial products or personal financial advice. No investment is available through this page. Any future opportunity requires its own documentation and an applicable New Zealand offer pathway.