Earn consistent and competitive returns, while helping other kiwis get mortgage finance.
It’s a licensed peer-to-peer marketplace, giving everyday retail investors the chance to participate in private lending opportunities from as little as $1,000 per loan.
With Go Lend, you’re not investing in a complicated fund or abstract scheme. You’re building a loan portfolio secured by first-ranking mortgages over an asset that’s as real as it gets; real estate.
Go Lend gives you full visibility of the loan opportunities you can invest in. You choose the individual loans you fund, so you know exactly where your money has been invested.
Start investing from just $1,000 per loan, build a personalised portfolio, and monitor repayments with Go Lend’s easy-to-use dashboard – designed for everyday retail investors.
Go Lend is building a community of lenders, who are helping everyday Kiwis bypass the big Aussie banks and get the short-term mortgage finance they need.
For investors seeking higher returns with the security of fixed, property-backed investments.
Benefits:
Higher returns compared to traditional savings
Secured by first-ranking mortgages over property
Transparent investment opportunities with set terms
For retail investors looking for flexibility and quick access.
Benefits:
Easy access to your money
Covered by DCS
Customer funds that are not invested are held by Go Lend on bare trust in accounts with a major New Zealand registered bank.
From 1 July 2025, funds held on trust in a bank account are covered by New Zealand’s Depositor Compensation Scheme (DCS) up to $100,000 per depositor, per bank, if that bank fails. This includes funds held in your Go Lend On-Call account.
What isn’t covered
Lower risk, steady returns
*Interest rates are current as of the date of publication and are subject to change at any time without notice.
Enhance your retirement income with regular returns. You can invest in just a few clicks, then manage your investments easily using Go Lend's user-friendly and intuitive platform.
Use your knowledge and experience to make your money work smarter, by building yourself a property secured lending portfolio. You choose the loans yourself, so you know exactly where your investment is going.
Enjoy the peace of mind of regular and competitive returns—including earning interest on every dollar in your On-Call Account while you wait for your next investment.
Learn the basics, explore the opportunities, and get started from as little as $1,000 per loan—all with clear guidance and strong fixed returns.
Designed for retail investors of every level, the Go Lend platform makes managing your own portfolio easy. Choose where your money goes, then get control over your capital, desired returns, and diversification level.
Browse our live marketplace for live loans you can instantly invest in.
You pick the loan, the amount, and the term. No pooled funds, no grey areas.
Receive fixed interest and keep track of everything easily in your Go Lend dashboard.
active investors
property loans funded
default rate of loans since inception
*Past and current performance is not indicative of future results
Go Lend is an online marketplace where retail investors can invest in individual property-backed loans, and borrowers can apply for finance secured by property.
You choose a loan from the marketplace and invest the amount you want. We manage the loan, and you earn interest over the loan term. Each listing shows key details like the property, interest rate, term, and LVR so you can make your own call.
Investments are linked to loans secured by a registered first mortgage over property security that helps reduce risk, but it’s not a guarantee — property values can change and recoveries can take time and cost money. All investments can involve risk. You may wish to seek independent financial advice before making a decision to invest.
No. Returns are not guaranteed. If a borrower defaults and recoveries are insufficient after costs, you can lose some (or potentially all) of your investment.
Money in your Wallet (your online call account) is held on bare trust by our trustee entity, GLG Trustees Limited, until you choose a loan to invest in. The details are set out in the platform documentation and relevant trust arrangements, available here.