Your questions answered.

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.

Create an account, complete identity verification, add funds to your Wallet, then choose loans from the marketplace to invest in.

The minimum investment is $1,000 per loan.

Go Lend is designed for all types of investors including retail investors. To invest, you’ll need to complete onboarding and identity verification (AML/CFT) and meet our eligibility requirements.

In some cases, yes — subject to onboarding and verification requirements. Contact us and we’ll confirm what’s needed for your structure.

We’ll ask for identity documents and information required under the AML/CFT Act. Sometimes we may also request supporting information (for example, source of funds) depending on the circumstances.

Verification time varies depending on the information provided and whether any follow-up checks are required. We aim for customers to complete onboarding quickly, but some applications may take longer if extra checks are needed.

This depends on your investor status and our onboarding requirements. If you are overseas or a non-resident for tax, contact us and we’ll confirm whether you could be eligible and what tax information we require.

We can explain how the platform works and what the information on a listing means (like LVR), but we are not financial advisers and we do not provide financial advice. Consult a financial adviser for any specific advice and how an investment opportunity may relate to your personal situation.

You can contact us via phone or email for onboarding help, platform support, or general questions.

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.

Go Lend opportunities are property-backed loans secured by a registered mortgage over property (typically first-ranking, but this may not always be the case). Each listing includes key information to help you compare opportunities.

Loans are assessed before being listed, and we disclose key information to help investors make their own informed decisions (for example, security position and LVR). Investors then choose which loans they invest in based on their own assessments.

Yes. You can spread your funds across multiple loans to help manage risk. Diversification doesn’t remove risk, but it can reduce the impact of any single loan underperforming.

Interest timing and payments depend on the loan terms shown on each listing. Your dashboard shows your investments and related interest activity.

Some loans may allow early repayment. If a borrower repays early, your principal is returned and interest is paid up to the repayment date, subject to the loan terms.

A partial repayment is when a borrower repays part of the loan before the end of the term. This reduces the outstanding loan balance and your investment is updated accordingly.

If the borrower repays in full, your principal is returned and interest is paid according to the loan terms. Your funds then sit in your Wallet until you reinvest or withdraw.

Sometimes borrowers request an extension (for example, refinancing or sale timing) and we may decide to allow the extension. If loan terms change, we’ll communicate the update. If you prefer to exit, you can seek to sell your investment on the Secondary Market (subject to platform rules and buyer demand).

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.

LVR is the loan amount compared to the property value (e.g., $600k loan against $1m value = 60% LVR). Lower LVR generally means a bigger buffer if values fall or costs arise during recovery.

Returns vary loan by loan and expected returns are shown on each opportunity. Returns are not guaranteed and depend on the borrower repaying the loan.

Typically through a first-ranking registered mortgage over property. If a borrower defaults, the mortgage security may be enforced to recover amounts owed, but outcomes can vary.

A first-ranking mortgage generally means the mortgage sits first in priority over any other mortgages on the property title. If enforcement is required, it is typically paid before later-ranking security.

The loan may move into arrears and recovery steps may be taken. Default interest may also be charged to borrowers on their loans in default. A loan being in default can cause delays to interest and principal, and potentially a loss of all or some of your investment if recovery steps do not cover all amounts owing.

A default can trigger enforcement steps under the loan documents, which may include formal notices and enforcing the mortgage. Where a borrower defaults, the goal is to recover as much as possible, but timing and outcomes vary case by case.

Enforcement steps can include formal notices, legal action, charging default interest, and enforcing the mortgage security. A Property Law Act notice is one type of formal notice that must be issued as part of a mortgage enforcement process in New Zealand.

Recovery timeframes vary depending on the borrower situation, the property market, legal steps, and sale timing. It can take weeks, months, or longer in complex cases.

If enforcement action is required, costs may include legal fees, receivership/property management costs, agent fees, and sale-related expenses. These costs can reduce the amount available to repay investors as any recovery will first need to be applied to pay for these costs.

Key risks can include borrower default, property market movements, valuation risk, delays in recovery, liquidity risk (you may not be able to exit early), and concentration risk (too much invested in one loan). All investments can involve risk. You will need to be comfortable with the level of risk involved with your investment. You may wish to seek independent financial advice before making a decision to invest.

Peer-to-peer investing carries the risk of loss. If a loan defaults and recoveries are insufficient after paying all associated costs, investors may lose some (or in some cases all) of their 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.

Because you’re taking on more investment risk. Unlike many other investment options, Go Lend returns come from borrowers repaying loans secured by property. Higher returns generally reflect higher risk.

Go Lend is designed as a peer-to-peer lending platform where investors can view and choose individual loan opportunities. This differs to standard mortgage or income funds, where investors’ funds are pooled together and the fund manager chooses the loans.

Your investment is linked to a specific loan on the platform, and investor interests are managed through Go Lend’s platform and trust arrangements. The exact structure is set out in the platform terms and investment documentation, available here.

Go Lend does not have a credit rating. Instead, we provide loan-level information (security position, LVR, property details) so investors can assess each investment.

We identify, manage, and disclose conflicts of interest where required, with controls designed to ensure fair treatment of investors and borrowers. Details are covered in our policies and platform terms available here

There are arrangements designed to help ensure investor interests and loan administration can continue even if Go Lend stops operating. The details are set out in the platform documentation and relevant trust arrangements, available here

Investments are usually held until a loan is repaid. If you want to exit early, you can list your investment on the Secondary Market (subject to platform rules and the loan status). You will only be able to sell your investment if another investor chooses to buy it.

Yes. You can list your investment for sale on the Secondary Market (subject to platform rules and the loan status). Go Lend does not charge a Secondary Market fee. Sale timing depends on another investor buying your investment.

The Secondary Market lets you offer your investment in a loan for sale to another investor, rather than waiting for the loan to repay at maturity.

No — Go Lend does not charge a Secondary Market fee to list or sell your investment.

There is no guaranteed sale time. Selling your investment depends on another investor choosing to buy your investment, and demand can vary by loan.

Your interest treatment while listed is governed by the platform rules and the loan terms. The Secondary Market terms are available here.

Some loans may not be eligible for resale depending on their status (for example, if there are credit issues). Eligibility is governed by platform rules and Secondary Market terms, available here.

In many cases, yes — provided it hasn’t already sold. The exact rules are set out in the Secondary Market terms, available here.

You can request a withdrawal from your Wallet to your nominated bank account, subject to standard verification and processing checks.

Your dashboard shows your investments, key dates, and transaction history. Any statements or summaries available can be downloaded from your account area.

Your executor/solicitor can contact us and we’ll guide them through the process to administer the account. We’ll confirm the documents required and the steps to follow.

Borrowers who can offer suitable property security and meet our approval requirements. If you share the basics, we can tell you quickly whether it could be a fit.

We provide property-backed lending. Typical use cases include short-term lending and refinancing, depending on the security and the situation.

No — Go Lend loans are secured by first-ranking mortgages.

A registered first mortgage over property is standard. Additional requirements (like guarantees or other types of security) depend on the loan and risk profile.

It depends on the deal — security, valuation, legal documentation, and borrower readiness all matter. If you share the basics, we’ll give you a realistic timeline for your situation.

We’ll typically need details about the property security, the loan purpose, and supporting financial information. Requirements depend on the loan type and circumstances.

Some loans require an independent valuation or other supporting evidence. Any valuation requirement and who pays is assessed case-by-case and confirmed during the application process.

Early repayment depends on the loan terms. If early repayment is allowed, any fees or conditions will be set out in the loan documentation.

If you miss a payment, the loan may move into arrears and recovery steps may be taken under the loan documents. You may also be charged default interest. If you’re having issues, contact us early — it’s usually easier to resolve sooner.

Extensions may be considered depending on the circumstances and the loan. Any extension is subject to approval and updated terms.

Go Lend operates as a licensed peer-to-peer lending service provider in New Zealand and is subject to the relevant regulatory framework.

Interest earned is taxable. We may deduct resident withholding tax (RWT) where required and provide reporting through your account.

Reporting entities (including financial service providers) must comply with the AML/CFT Act requirements to help prevent money laundering and other financial crimes. That’s why we verify identity and, in some cases, request supporting information.

Funds in your Wallet (your online call account) are held on bare trust by our trustee entity GLG Trustees Limited until you choose a loan to invest in. This structure is designed to help keep investor funds separate and accounted for. The details are set out in the platform documentation and relevant trust arrangements, available here.

We take privacy and data security seriously and use controls designed to protect personal information. Details are covered in our Privacy Policy and platform terms, available here.

If something isn’t right, contact us and we’ll work to resolve it. If it can’t be resolved, you can escalate through our formal complaints process (outlined on our website).