Investments & Loans,
for all New Zealanders
New Zealanders have always had a love affair with bricks and mortar as a way to build long term wealth. And for good reason.
Midlands is a specialist non-bank lender and botique investment company that provides an alternative way to invest in the New Zealand property sector, without direct property ownership. With as little as $10,000, you can invest to grow your long term wealth with a proven, low risk investment secured by real property & land assets. Best of all, your money is on-call when you need it and delivers consistent cash returns every quarter.
PROVEN
Our average annual return for the past 10 years is 5.26%*. That’s higher than 5-year bank term deposits over the same period.
TRUSTED
The origins of Midlands go all the way back to 1896. That’s over 120 years of smart investing.
SECURED
Your investment is secured by real New Zealand property and land assets. Giving you peace of mind.
DEDICATED
Many Midlands staff, directors and shareholders have their own money invested alongside yours.
* Annualised returns, after fees but before tax for period 1 October 2014 – 30 September 2024. Past performance is not a reliable indicator of future performance
Proven performance that will make you grin.
We provide proven, consistent returns that give you a regular income for now
or build long term wealth for later. It’s your money and your choice.
latest Annualised cash return, after fees but before tax
For quarter ended 30 September 2024. Past performance is not a reliable indicator of future performance.
Invest with Us
Clever Investments,
for All New Zealanders
real property and land assets?
– Do proven returns and regular income float your boat?
– Saving for one of life’s big goals?
– Wanting to grow your future wealth?
Borrow from Us
Need property finance?
Big Bank said no?
We’re a specialist non-bank mortgage lender. We offer term loans with competitive interest rates for residential, rural or commercial property. We’re fast, flexible, pragmatic and solutions oriented, with not an AI Bot in sight.
Fund your next exciting property venture right here.
WHY SMARTER INVESTORS CHOOSE MIDLANDS
Low risk investing
Midlands' Risk Rating is
1 out of 7. That’s the lowest risk rating possible for a NZ retail fund.*
On Call INVESTING
Your funds are on call, which means they’re available when you need them. It’s how investing should be.
Regular Cash Returns
Receive regular income every quarter OR reinvest your returns to build long term wealth. It’s your choice.
Say hello to a real human
At Midlands, you deal with
real humans. No Al, chatbots or robots around here. Hallelujah!
Trusted for 120 years
The origins of Midlands go all the way back to 1896.
That’s over 120 years of
smart investing.
We have skin in the game
Many Midlands staff, directors and shareholders have their own personal money invested alongside yours.
Secured by Bricks & Morter
Your investment is secured by real NZ land and property assets. Now that’s smart.
Managed by Experts
Our team has over 180 years of experience in banking and finance, so your investment's in good hands.
*The Government provides the formula for calculating our ‘Risk Rating’ score.
A risk rating of “1” does not indicate a risk-free investment - see our Product Disclosure Statement for more information.
Better returns, without the banker bit
This graph shows annualised returns, after fees and expenses but before tax for the past 5 years, unless otherwise stated. Past performance is not a reliable indicator of future performance.
Midlands 5 Year Data from Oct 2019 – Sept 2024. Bank Term Deposit Data Source: Reserve Bank of NZ Statistical Series B26 June 2024 Report, Sept 2019 – Aug 2024. KiwiSaver Data Source: Morningstar Report June 2024. *The Risk Rating is rated from 1 (low) to 7 (high). A higher risk rating generally means higher potential rate of returns over time, but more ups and downs along the way. A risk rating of 1 does not indicate a risk-free investment.
The Midlands Smarter Investor Snapshot
An investor newsletter you’ll actually want to read!
Every quarter, we update our investors with the latest news including our latest quarterly performance, an update from our CEO, a summary of our loans and some other less important but more interesting stuff.
Ready to invest smarter?
Call Sandy!
Sandy is your first point of call at Midlands. Bright, bubbly and astute, Sandy has 33 years of banking and investment experience. She left the big bankie stuff behind for the clever, welcoming and down to earth approach Midlands is known for. She’ll guide you through every step of the process over the phone, email or maybe even a cuppa.
request a callback
“Sandy’s been awesome to deal with. Nothing’s a problem, basically. I can ring her any time”
Happy Midlands Customer
Learn More
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