Offer for Investors:
Investors can choose from two term investment classes — Home Loans (4.75% p.a.) and Construction Loans (5.25% p.a.) — both secured by first mortgages over residential property, or a Monthly Income Fund (PIE) currently returning 6.31% p.a. after fees. A reserve fund model provides protection against missed borrower repayments, with no Squirrel investor ever having lost principal or interest since the platform launched. An On-Call account earns 2.00% p.a. on uninvested funds, and a secondary market allows early exit with an average withdrawal time of 2.6–3 days.
Offer for Fundraisers (Borrowers):
- Property development finance for small-to-medium developers and builders, with loans secured by first mortgage over residential property, maximum LVR of 80%, and loan sizes up to NZD $2 million for construction.
- Bespoke end-to-end funding solutions for builders and developers, covering land purchase, construction, and completion stages.
- Mortgage brokerage services for individuals — first home buyers, refinancers, investors, and business owners — with access to all major New Zealand lenders at no cost to the borrower.
- Bridging finance available for those moving between properties.
- Personal loans funded via the P2P platform at fixed rates.
Open to retail and wholesale investors in New Zealand.
For investors: service margin of 0.70%–2.75% p.a. (Home/Construction Loans) or 1.45%–5.95% p.a. (Personal Loans), deducted from borrower repayments before the investor rate is applied. Reserve levy of 0.10%–3.25% p.a. also deducted. Published rates are net of these charges. Monthly Income Fund annual charge: 2.00% p.a. incl. GST. No annual fund charges for P2P term investments.
Squirrel offers to invest in various crowdfunding opportunities from the Real estate, Mortgages sector.
At Squirrel, you can start investing with US$100.
The investment models Squirrel operates is Debt, P2P lending.
