- Get started on your mortgage
- Buying your first home, next home, investing in property or just keen to review your mortgage?
- Apply online
- Tools and advice
- How much can I borrow?
- Information for Clients
- Contact the Home Loans team
- Put your savings to work
- Earn better returns and access your money with no penalties.
- Start investing now
Great returns for a great cause
Squirrel is 100% Kiwi-owned and operated, and your money will only ever be used to build, buy, or renovate New Zealand homes, with fair fees and interest rates for everyone.
Get started Book a chat about investing
Plenty of reasons to give Squirrel a whirl
- Start with as little as $100
- Earn 5.25%p.a. interest on every dollar in your On-Call Account too
- Opportunity to get your money out early
- Whilst past performance cannot guarantee future performance, no Squirrel investor has ever lost a cent.
Why trust Squirrel with your savings?
Your investments are secured over Kiwi property (unless otherwise stated)
Reserves are put aside, to help cover missed payments by borrowers
We're licensed as a peer-to-peer lender by the Financial Markets Authority
Choose how you earn your interest
Cash
On-Call Account
5.25
Variable returns
Your money is held on trust with a major NZ registered bank, with AA- credit rating.
Conservative
Term Investment
Home Loans
7
Variable returns
Money invested in:Loans secured by residential property
Reserve fund protection
Moderate
Term Investment
Construction Loans
7.5
Variable returns
Money invested in:Loans secured by residential property
Reserve fund protection
Moderate
Term Investment
Personal Loans
7.75
Fixed returns
Money invested in:Personal loans to homeowners
Reserve fund protection
Instantly work out how much you could be earning with Squirrel investments
Just enter an amount and use the slider to see how much interest you could get from your term investments.
*This calculator is intended as a guide for illustrative purposes only and is not intended to provide financial advice. It assumes that the amounts entered are invested for the entire period selected and the returns are based on the interest rate selected. The calculation results do not take into account taxes that may be applicable to you (including withholding tax). Please note that interest rates offered on our platform are subject to change and our minimum investment amount is currently $100. To talk to one of our team at Squirrel, please call 0800 21 22 30 or you can find more information about P2P investing here. We recommend seeking financial advice about your situation and goals before investing into any financial product.
Every dollar in your Squirrel account earns interest - whether invested or not
When you sign up with us, you'll automatically be set up with your own On-Call Account. This is basically your transaction account, where you deposit money into, and where returns are paid into from your investments.
As soon as you deposit into this account, every dollar will earn our current rate. You can invest it to earn even higher returns, or let it sit and earn interest. Win win.
Ajay
Auckland , New Zealand
Quick and effortless onboarding. Excellent transparency & timely communication. One of the best interest rates in the market with timely payments. Well done, Squirrel!A
Sonal
Auckland , New Zealand
Fast & hassle free onboarding. Transparency, communication, and customer support have been excellent! One of the best interest rates in the country, don't know why I didn't join sooner. Highly recommended!S
Sonal
Auckland , New Zealand
Fast & hassle free onbaording. Transparency, communication, and customer support have been excellent! One of the best interest rates in the country, don't know why I didn't join sooner. Highly recommended!S
John A
Canterbury, New Zealand
Quick and easy to invest with an great online web interface and good returns. Now with high interest on the cash account as well.JA
Ian C
Auckland, New Zealand
Always innovating, now we have the on call account earning 3.5%. Even on orders not yet allocated. Thankyou guys.IC
Margaret
Waikato, New Zealand
I really like investing with Squirrel Money. I know my money is safe. There's no fees or terms, which I think is fantastic. And I've got total control of my investments. I can thoroughly recommend Squirrel Money.M
Scott
New Zealand
Really quick and easy service to make a fair return. I look forward to seeing what I earn each payment. Good for hands on or set and forget!S
Laura
Auckland , New Zealand
I just have positive words for squirrel money, one of the best and most honest investment platform out there!L
Sign up for your Squirrel account in less than five minutes
- Join online
- Deposit funds
- Start earning heaps of interest
Here's how investing with Squirrel works
Watch our most common questions get answered
Money goes 1 way in, 1 way out
That means money can only be transferred to a verified bank account in your name.
Your money is held in trust
It's locked away on your behalf, and only moves on your instruction.
We're reviewed annually by KPMG
KPMG review our systems and processes, and audit our financial statements annually.
Bank-grade technology
1010100001010110... not sure what that means? That's ok, we've got a team of experts who do.3
Meet David, our Chief Squirrel
David Cunningham has more years of banking experience than he'd like to admit. And because he's seen it all (and has the battle scars to prove it), he knows there are better ways to reward savers. In fact David's earning returns for himself on the Squirrel platform right now, and so are his family.
We're not kidding when we say we're passionate about challenging the status quo and building better value for our community of savers (you should see how animated David gets at our team meetings).
Our team of humans is here to help
When you call our number or book a chat, you'll be talking to one of our dedicated team members, located in our Auckland office. We're a friendly bunch, so if there's anything you need help with, don't hesitate to get in touch.
Insights from our very own experts, to help you master your money
Being smart with money starts with getting the right intel. Fill your boots with the latest:
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1 Average rate of return on the Squirrel Platform over the past month
2 Provided another investor is willing to take on the same investment terms - find out more about our secondary market here.
3 Along with our expert software developers, we use a range of security services from Microsoft, and work with a trusted cyber-security firm on ensuring our technology security is top notch. We’re also on the path towards SOC2 compliance, which includes regular audits of our physical and technology security.
