Credit Connect Limited

Gulf Harbour Loan

Residential Development

Register Interest

This is not an offer to the public. This offer is only available to investors certified as ‘wholesale investors’ within the meaning of clauses 3(2), 3(3)(a) and 3(3)(b) of Schedule 1 of the Financial Markets Conduct Act 2013.

The law normally requires people who offer financial products to give information to investors before they invest. This information is designed to help investors make an informed decision.

If you are a wholesale investor under the definition of that term in clause 3 of Part 1 Schedule 1 of the Financial Markets Conduct Act 2013, the usual rules do not apply to offers of financial products made to you. As a result, you may not receive a complete and balanced set of information.

You will also have fewer other legal protections for these investments. Ask questions, read all documents carefully, and seek independent financial advice before committing yourself.

Transaction Size
NZD $7,250,000.00
Share Price
Minimum Investment
NZD $50,000.00
Issue Type
Residential Development

A 10% return is being offered by Credit Connect NZ Limited who are seeking investors to invest into a first mortgage lending opportunity where three (3) waterfront sections, having a combined land area of 1.5358ha (15,358m2) are being offered as first mortgage security. Basic scenario of the investment is summarised as follows.

  • Location:                    Gulf Harbour, Auckland, 0930
  • Property Value:        $14,500,000.00
  • Loan Required:        $7,250,000.00
  • Term:                           12 Months
  • Lending Ratio:         50%
  • Return:                        10% per annum, with interest paid 12 months in advance

Given the lengthy period CCG has been in the financing business it has constantly been approached by numerous parties to finance various New Zealand (NZ) properties/projects. Given the continual NZ borrower demand for quality loans in good locations with low lending ratios, CCG made the decision to commence lending in NZ. As such CCNZ was incorporated and holds a New Zealand, Financial Services Provider (FSP) license, allowing it to deal in mortgage loans for wholesale investors only.

 The borrower demand CCNZ is currently receiving is significant and we need to raise additional capital to meet the borrower demand. Below is an overview of loans CCNZ have received since 30th June 2022.

  • Gross Loan Enquiry:                    $124,800,759.00
  • Proposed Security Values:        $226, 682, 391.00
  • Average Loan Amount:              $4,992,000.00
  • Number of loans:                           25
  • Average LVR:                                  54%

Who is Credit Connect NZ

Credit Connect NZ (CCNZ) is a subsidiary of the Australian based Credit Connect Group (CCG). CCG is a mortgage management company that was established in 2006, entities within the Group, are an Australian public company, that holds an Australian Financial Services License (AFSL) which is issued by the Australian Securities and Investment Commission (ASIC) which is the Australian regulator, this license allows CCG to raise funds from investors to invest into mortgage lending opportunities in Australia. CCG has numerous clients that invest into its loans, since inception we have successfully written approximately $620,000,000.00 in loans, where the average lending ratio has been approximately 59% with the average loan size being $1,570,000.00.


Discussion Paper
January 17, 2023

Credit Connect Limited


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