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Investments & Loans,
for everyday kiwis

Welcome to Midlands. We’re an investment company based in Hawkes Bay helping New Zealandersto get better returns on their hard-earned money. 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.
Want to do more with your money? Why not give us a call and talk to a real human today.

PROVEN

Our most recent annualised return
is 6.90%* and our average annual return for the past 10 years is 5.31%*. 

trusted

The origins of Midlands go all the way back to 1896. That’s over 120 years of smarter investing.

secured

Your investment is secured by real New Zealand property and land assets.
Now that’s smart.

dedicated

Many Midlands staff, directors and shareholders have their own money invested alongside yours.

* 6.90% is our annualised return, after fees but before tax for quarter ending 31 December 2024.  5.31% is our average annualised return, after fees but before tax, for 10 years ending 31 December 2024.
Past performance is not a reliable indicator of future performance

consistent performance & regular returns

This graph shows Midlands Smarter PIE Funds annualised quarterly returns, after fees but before tax returns. The ‘10 Year Avg.’ bar represents the Fund’s average
annual return after fees but before tax for ten years ending 31 December 2024. Past performance is not a reliable indicator of future performance.

Invest with Us

Clever Investments,
for All New Zealanders
– Looking for a low risk investment secured by
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 150 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.

Proudly Not a pack of bankers

We’re Midlands and we’re delighted to not be a big bank.
We’re proudly local, NZ owned and run by a clever bunch of real humans who even answer the phone!

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.

Click to call 0800 870 326

Click to email investments@midlands.net.nz

request a callback

Fill out our enquiry form

“Sandy’s been awesome to deal with. Nothing’s a problem, basically. I can ring her any time”
Happy Midlands Customer

Learn More