Why invest
with Torrent?

1. Investment Structure

• Investors purchase fixed-term debt notes issued by Torrent Securities Limited, with funds allocated to specific land or construction projects.
• Returns are generated through pre-agreed interest payments, typically paid monthly or at maturity, depending on the note terms.  

2. Security & Risk Mitigation

• Every loan is secured by a registered first-ranking mortgage over the underlying property, ensuring investors hold priority in any recovery process.
• Loan-to-value ratios (LVR) are conservatively set, and all projects undergo thorough due diligence.

3. Wholesale Investor Eligibility

• Offers provided by Torrent Securities are available only to wholesale investors (as defined in Schedule 1 of  the Financial Markets Conduct Act 2013).  IMPORTANT: If you are not a wholesale investor, you are not eligible for any financial products offered by us and cannot proceed further
• Investors must certify that they meet the eligibility criteria to be a wholesale investor. We recommend you seek independent legal advice on this point.  

4. Liquidity & Terms

• Debt notes have fixed terms (typically 6–24 months), aligned with project timelines.
• Early redemption options may be available, subject to the terms and conditions of each respective debt note. 

• Asset-backed security: Investments are secured by tangible property assets.
• Predictable returns: Fixed interest rates provide clarity on earnings.
• Portfolio diversification: Exposure to NZ’s property market without direct ownership.   

For full terms and, eligibility criteria, and current opportunities, contact our team or review the information available on this website. 

Download our free guides to better understand the investment landscape and how Torrent Securities fits in.

• Guide for New Zealand Wholesale Investors – TSL
• Investing in Non Bank Lenders