How we fund New Zealand's largest multi-unit home builder
How does property development funding work
Wolfbrook Capital funds property development through secured lending, backed by real assets and a proven track record.
Wolfbrook Capital is a secured debt fund that provides strong fixed return, secured by New Zealand real estate. We are the predominate financier of the Wolfbrook Group, New Zealand's largest multi-unit home builder.
The process
We Lend.
The fund provides lending on secured mortgage terms to development and hold projects across the Wolfbrook Group, funding land acquisition, pre-construction and construction costs. By providing capital across these key stages, the fund can offer a lower overall cost of finance than traditional development lending once bank fees are factored in.
We Build.
The Wolfbrook Group use this capital to secure sites and carry projects through to completion. At the end of each project, Wolfbrook Capital's loan is repaid or redeployed into the next project.
You Earn.
In return, investors receive a fixed return rate from 9 – 10% p.a., paid weekly or capitalised, over terms from 12 months to 5 years. The return is contractual, not tied to property market performance.
How your investment is secured
Senior secured debt
Investor loans rank ahead of any distribution to shareholders or equity holders.
Diversified security
Your investment isn’t secured against a single project. It’s backed by a General Security Agreement over all of Wolfbrook Capital’s assets, held by an independent security trustee on behalf of investors, spreading risk across location, project stage and buyer type.
Personal guarantees
Wolfbrook Group director James Cooney, and his trusts, personally guarantee every investor loan.
Ring-fenced projects
Each development sits in its own special purpose vehicle, so one project's performance can't affect another.
Loan-to-value discipline
Every project operates within strict LVR covenants, ensuring we don’t over-leverage on any project.
Why this model exists
Bank development finance can be slow and expensive, particularly once establishment fees, line fees and lengthy approval timelines are factored in. Wolfbrook Capital is faster, more flexible and a cost-effective alternative to traditional development finance, giving developers access to capital when they need it. That’s why Wolfbrook Capital exists.
Talk to us
Want to know more?
Wholesale investors can register their interest in Wolfbrook Capital Fixed Income Fund. Please complete the details and one of our team will be in touch. Offer only available to wholesale investors in accordance with the Financial Markets Conduct Act 2013. This offer is not suitable for retail investors.
See how our approach delivers results.
