First-mortgage property investment

Security backed by real property

Hudson provides private investors with access to first-mortgage property loans secured by New Zealand real estate — so you can earn consistent income backed by tangible security.

Invest with Hudson How it works

Investment opportunities are available only to qualifying wholesale investors under the Financial Markets Conduct Act 2013. Returns and repayment are not guaranteed.

First-mortgage security
Conservative LVRs
You choose each loan

Modern New Zealand residential architecture

Loans secured by first mortgages over New Zealand property.

Investors

Choose individual property-backed opportunities.

Review each loan separately, including the security, valuation, LVR, term, pricing and proposed exit strategy.

Explore investing →

Borrowers

Deal directly with the lender.

Access responsive, short-term property finance without needing to approach Hudson through a broker.

Discuss a loan →

Brokers

A direct line to decision-makers.

Send us your transaction for quick initial feedback, commercial assessment and practical lending terms.

Send us a deal →

Indicative investor rates7.00–8.50%p.a. — rates vary by transaction and are not guaranteed

SecurityFirst mortgagesregistered over New Zealand property

Maximum LVRUp to 70%generally up to 50% on vacant land

Typical terms3–24 monthsinterest generally paid monthly after being received from the borrower

A different way to invest

Review each loan. Choose where your capital goes.

Hudson does not place investor funds into a single general investment pool. Individual lending opportunities are presented separately — investors review the details of each transaction and decide whether they wish to participate.

See the security

Review the property, valuation and proposed first-mortgage position.

Understand the numbers

Consider the loan amount, LVR, interest rate and term.

Assess the transaction

Review the borrower, loan purpose and proposed repayment strategy.

Make your own choice

Participate only in the opportunities that align with your investment preferences.

How investing worksRegistration does not oblige you to invest in any particular opportunity.

Compare indicative income

See how different rates may affect annual income

Move the slider to compare the gross annual income produced by different indicative interest rates.

Investment amount

Comparison rate % p.a.

/yr gross

e.g. an indicative bank term-deposit rate

Hudson indicative rate % p.a.

/yr gross

Current indicative investor rates 7.00–8.50% p.a. · monthly

At the selected indicative rates, the difference in gross annual income is

Invest with Hudson

A term deposit and an individual private mortgage investment have different risk, liquidity and protection characteristics. This calculator compares interest rates only and is not a complete comparison of the investments. Figures are indicative, gross and before tax. Investor returns are agreed per transaction and are not guaranteed.

Why Hudson

A focused team. A direct approach.

Hudson combines careful property lending with direct communication and practical decision-making.

Tangible property security

Loans are secured by registered first mortgages over New Zealand property.

Direct decision-making

Investors, borrowers and advisers communicate directly with the people assessing and managing each transaction.

Considered lending

Each opportunity is assessed on its security, borrower, purpose, proposed LVR and exit strategy.

Relationship-driven service

Hudson aims to build enduring relationships rather than treat each transaction as an isolated event.

About Hudson

Property finance for borrowers

Funding dealt with directly.

Hudson provides short-term property-backed finance for New Zealand borrowers who value responsiveness, competitive pricing and direct access to decision-makers. You do not need to come through a broker — contact Hudson directly, explain the transaction and receive an initial commercial view before preparing a complete application.

Hudson may assist with: refinance • bridging finance • property settlement • business-purpose funding • capital release • bank refinance delays • renovations and limited completion work • smaller subdivision transactions.

Learn more Request a call

Hudson does not provide consumer or personal-purpose lending regulated by the CCCFA and does not generally provide traditional ground-up development finance.

Premium New Zealand residential property

Deal directly with Hudson

You do not need to come through a broker — contact Hudson directly and speak with the team assessing your transaction.

Competitive rates for strong transactions

Hudson considers pricing, conditions and the overall structure for well-secured transactions.

Flexible terms and practical structures

Each transaction is considered on its own merits rather than forced into a single standard product.

Clear communication throughout the loan

Deal with the same focused team from initial assessment through settlement and repayment.

Have a transaction to discuss?

Send us the essentials.

You do not need to provide a complete application. Start with a short summary and we will tell you what is required next. Or use the full enquiry form.

For brokers & professional advisers

Send us the deal before ruling it out.

Hudson works closely with brokers and advisers seeking a responsive private-lending partner. Speak directly with the account managers and decision-makers assessing the transaction — we can provide a quick initial view before you prepare a complete formal application.

Quick initial feedback

An early indication of whether the transaction appears to fit Hudson’s lending criteria and current investor appetite.

Direct access

Deal directly with the people reviewing and approving the loan.

Competitive & flexible terms

For strong transactions, Hudson can consider competitive pricing, practical structures and flexible conditions.

Your relationship remains yours

Hudson respects the introducing adviser’s relationship with the borrower and keeps the broker involved throughout.

Send us a deal View broker criteria

Have competing private-lender terms? Send us the full proposal and let Hudson review the rate, fees, conditions and overall structure.

How Hudson works

Property lending built around direct relationships.

Investors provide direct capital

Qualifying private investors review individual first-mortgage lending opportunities and choose which transactions they wish to participate in.

Hudson assesses and administers

Hudson assesses the property, borrower, LVR, loan purpose and proposed exit, coordinates the investment and manages the loan throughout its term.

Borrowers receive property-backed finance

Borrowers receive short-term finance secured against New Zealand property, with direct communication from assessment through to repayment.

Brokers and professional advisers may introduce and remain involved in transactions, but borrowers are also welcome to contact Hudson directly.

Transactions Hudson understands

Practical finance for real property situations.

Time-sensitive refinance

A borrower needs to replace an existing lender within a defined timeframe and has a credible strategy to sell or refinance.

Bridging pending sale

Short-term funding is required until an identified property is sold or another repayment event occurs.

Capital release for the next opportunity

A property owner wants to access equity for a business purpose, acquisition or another investment opportunity.

See more lending solutions

Deal with the people making the decisions

A direct line to the Hudson team.

Hudson is a focused and experienced team. Investors, borrowers and advisers are not passed through call centres or multiple departments.

Mike Newdick

More than 30 years’ experience across finance, property lending and law.

Tom Robinson

Loan assessment, transactions, investor communication and day-to-day operations.

Taylor Newdick

Investor onboarding, borrower support, communications and transaction coordination.

Meet the team Contact Hudson

Questions answered

Frequently asked questions.

How does investing with Hudson work?

Hudson presents individual first-mortgage lending opportunities. Qualifying investors review each transaction separately and choose whether they wish to participate.

Who can invest with Hudson?

Hudson’s investment opportunities are available only to qualifying wholesale investors under the Financial Markets Conduct Act 2013.

What security supports the investments?

Hudson’s loans are generally secured by registered first mortgages over New Zealand property.

Can borrowers approach Hudson directly?

Yes. A broker is not required. Borrowers can submit a brief enquiry or request a call directly from the Hudson team.

What types of borrowing does Hudson consider?

Hudson considers short-term property-backed lending for business and investment purposes, including refinance, bridging, settlement, capital release and other commercial transactions.

How quickly can Hudson assess a deal?

Initial indicative feedback can often be provided quickly once the essential transaction details are received. More complete approval remains subject to full assessment and supporting information.

Does Hudson work with brokers?

Yes. Hudson works closely with brokers and professional advisers, provides direct access to decision-makers and respects the adviser’s client relationship.

Is investment income guaranteed?

No. All investments carry risk. Interest and repayment depend on the performance of the particular borrower and loan.

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