Performance, people, process. We know what matters to the Wholesale Investor.
Home loans make up the largest debt market in New Zealand and it's dominated by banks.
At Squirrel, we're democratising this market and giving wholesale investors the opportunity to earn great returns related to the country's favourite asset.
Squirrel provides investments for Fund Managers, Financial Advisers, high net worth individuals and family offices, with residential security for peace of mind.
Wholesale funds built for investors’ differing needs.
Four funds. Different risk and return profiles. The right combination depends on your investment horizon, income needs, and risk appetite. Talk to us about what fits.
Home Loan Fund
Investing in diversified New Zealand home loans
5.44%p.a.*
1 year return
Read Information MemorandumConstruction Loan Fund
Investing in residential construction lending
6.76%p.a.*
1 year return
Read Information MemorandumSpecialised Income Fund
Higher-yield lending opportunities for sophisticated investors
8.93%p.a.*
1 year return
Read Information MemorandumCapital Partners Fund
Structured finance opportunities for sophisticated investors that target a 3-year rolling return of
20.00%p.a.+
Fund limited to $150m. Invite-only
* Returns displayed are the 1-year historical returns to 31 May 2026, after fees, before tax with distributions reinvested. Returns are calculated on a time-weighted basis. Past performance is not a reliable indicator of future performance. Unit prices may go down as well as up. You may not recover the full amount of capital invested. Returns are not guaranteed.
+ The Squirrel Capital Partners Fund's objective is to provide investors with a return, after fees and before taxes, of more than 20.00% per annum on a 3-year rolling basis.
The Squirrel Home Loan Fund, Construction Loan Fund and Specialised Income Fund invest in loans that have the protection of one of Squirrel's reserve funds. Where a loan is in arrears or default, the relevant reserve fund steps in and make payments to investors, underlying investors and the funds. The reserve funds do not provide investors a guarantee nor are they insurance products. The Capital Partners Fund's loan investments do not have the protection of a reserve fund.
Investment Risks: Investors should read Funds' Information Memorandum to understand the risks that may cause the Funds' value to move up and down including, but not limited to, credit and default risk, market risk, active management risk, interest rate risk, concentration risk and liquidity risk.
Put us on your schedule
Our most successful relationships start with a discussion, and
Investor Relations Manager Doug Thomson looks forward to
speaking with you about your portfolio and goals.
Or if you prefer, email doug@squirrel.co.nz
Returns range from 5.25%p.a. to 18.00%p.a.Squirrel packages loans with the option to invest directly or into a managed fund.
Squirrel packages loans with the option to invest directly or into a managed fund.
Risk adjusted returns
From conservative investments with added risk protection to high yield secured investments, we've got you covered.
A diverse portfolio
Our innovative platform provides the opportunity to invest in whole loans, fractional loans and managed fund options to suit your portfolio.
Management of your investments
Squirrel hold the security on your behalf and manage the investments with regular reporting available for you and your administration partner.
Plenty of opportunity
We write about $3 billion in home loans per year.
We can help secure your strategy
With benefits like credit risk support, a secondary market, and loans across the credit spectrum available, Squirrel is the partner for you.
Let's talk
Doug is our resident expert and is always happy to have a chinwag about wholesale investing - find a time in his diary that suits you and he'll give you a call at your chosen time.
Squirrel is one of New Zealand's largest and most trusted mortgage advisers
Since 2008, we've been helping first home buyers, property investors and property developers, arranging over $22 billion in mortgages along the way. It's safe to say we know property inside out.
We launched our investment platform in 2015 and we now manage over $500 million of investor funds. While past performance is no guarantee of the future, investors have never lost a cent with Squirrel, and we plan to keep it that way.
We only lend to homeowners, the market we know inside out
We lend to market niches that are under served by banks. This means investors can earn an attractive return for the credit risk.
Choose how you investWe've got ready-made investment options for you - but if you prefer, talk to us about how we can customise our investment products to suit your goals and risk budget.
We've got ready-made investment options for you - but if you prefer, talk to us about how we can customise our investment products to suit your goals and risk budget.
Specialised Income Fund
A diversified portfolio of higher risk loans secured by Residential property. Security varies across first and second mortgages and caveats.
Target annual return: Over 9.00%p.a. after fees, before tax.
Wholesale Home Loan Fund
Residential mortgages up to $2 million for owner occupied or investment properties, secured by a first mortgage.1
Target annual return: One year bank term investments plus 1.75%p.a. after fees, before tax.
Wholesale Construction Loan Fund
Mortgages up to $2 million for residential house construction, for investors and small scale developers. Secured by first mortgages.1
Target annual return: One year bank term investments plus 2.25%p.a. after fees, before tax.
Take a look at our case studies
We've pulled together a few case studies for you to dig into the detail
- Wholesale investing case study: Maximizing returns
- Wholesale investing case study: Searching for yield
- Wholesale investing case study: A Fund Manager’s new strategy
Pieter, Auckland
New Zealand
Squirrel really came as a huge blessing after other investment portfolios racked up losses due to market fluctuations. The processes to earn passive income are easy to understand and to implement. Customer service is a 10 out of 10. And to receive interest on the On-Call Account is a surprising and welcome bonus. I just love Squirrel.
Wholesale Investment Fund
summaries and updates
| May 2024 | Read report |
| June 2024 | Read report |
| July 2024 | Read report |
| August 2024 | Read report |
| September 2024 | Read report |
| October 2024 | Read report |
| December 2024 | Read report |
| January 2025 | Read report |
| February 2025 | Read report |
| March 2025 | Read report |
| May 2025 | Read report |
| June 2025 | Read report |
| July 2025 | Read report |
| August 2025 | Read report |
| September 2025 | Read report |
| October 2025 | Read report |
How are Squirrel's Funds tracking?
We reckon transparency is key when you're trusting us with your hard-earned money, so we've made it easy for you to dive in and explore all the nitty-gritty details about how our investments are performing. While past performance doesn’t guarantee the future, you can check out the latest reports to get a clear idea of how our Funds are tracking, and what they're all about.