Invest

Confident investing. Consistent returns.

Go Lend lets retail investors build a stronger fixed-income portfolio, with loans secured by first-ranking mortgages over real New Zealand properties.

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Why Go Lend

A smarter way to earn
steady income

Built on real security

All loans are backed by New Zealand property and protected by
first-ranking mortgages.

Full transparency, every time

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Higher fixed returns

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Modern and effortless

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Products

Earn your interest your way.

Peer-to-peer lending
from

6.00%

*

p.a.

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

Get startedBook a call
On-call account

2.00%

*

p.a.

For retail investors looking for flexibility and quick access.

Benefits:

Easy access to your money

Covered by DCS

Customer funds held on trust

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

The DCS does not apply to funds invested in Go Lend peer-to-peer term investments.

Lower risk, steady returns

Open account

*Interest rates are current as of the date of publication and are subject to change at any time without notice.

How it works

The clear and easy way to invest.

Explore investment opportunities

Browse our live marketplace for live loans you can instantly invest in.

Choose where your
money goes

You pick the loan, the amount, and the term.
No pooled funds, no grey areas.

Earn predictable
returns

Receive fixed interest and keep track of everything easily in your Go Lend dashboard.

By numbers

Go Lend’s numbers speak for themselves.

456

active investors

$47,370,773

property loans funded

0.00%

default rate of loans since inception

*Past and current performance is not indicative of future results

Investor stories

We’re building a community of lenders.

The Go Lend team are highly experienced and focus on building strong relationships with those investing in their platform. Their offering brings confidence, flexibility and the security to investors looking to access a market that was previously inaccessible—highly recommended.

Harry B

Google review

Trustpilot review

I havent seen anything like this before! It's such an easy site to use and unlike other investment sites you know exactly what interest you'll be paid out. It's really straightforward and I like that you can start with small amounts. Nice one Go Lend

Anna J

Google review

Trustpilot review

I'm getting better returns on my investments with Go Lend than returns from well-established fund managers. Excellent communication from Go Lend which is consistently timely, accurate, relevant and useful has made my experience pleasant and rewarding. I appreciated the help from real people at the beginning when I didn't understand how the processes worked and my several questions were answered simply and quickly. The great service gradually entrenched my confidence that my money is well looked-after and the future augurs well.

Ajayan

Google review

Trustpilot review

Great website. Clear, transparent, platform. easy to see where you are putting your money and love you can choose what security and loan you like. Have invested over the last six months here and one other peer to peer. Go lend has never missed interest or principal payment when the loans mature. Better rates than some other sites so far.

TJ

Google review

Trustpilot review

Really love this product. The registration process is smooth and convenient. Lot of investment opportunities and highly competitive returns.

Anish M

Google review

Trustpilot review

Answered all my questions as a first time investor I felt confident in the decision I made with go lends team as my advisors thank you!

Maria P

Google review

Trustpilot review

Featured in
FAQs

Your questions answered

How do I get started?

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

What types of loans can I invest in?

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.

What is the minimum investment amount?

The minimum investment is $1,000 per loan.

What is Loan-to-Value (LVR) and why does it matter?

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.

Can I get my money back early?

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.

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Ready to make your money work smarter?

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