- Get started on your mortgage
- Buying your first home, next home, investing in property or just keen to review your mortgage?
- Apply online
- Put your savings to work
- Earn better returns and access your money with no penalties.
- Start investing now
We've got a few investment options for you to choose from
Whether you're a big shot investor or small-fry starting out, we've got options to suit.
Your investments with Squirrel benefit from a pool of loans secured over NZ property unless otherwise stated. There are three types of loans you can choose to invest into, plus a managed fund for those who aren't fussed.
Book a chat about investing
Your investment, on your terms
Our three types of investments have different returns and risk profiles so you can choose what you're most comfortable with. Mix it up or lump all your savings into one, it's up to you.
You can even choose to keep your cash on hand, with our On-Call Account which earns high interest on every dollar, and access to your funds 7 days a week.
Choose how you earn your interest
Cash
On-Call Account
5.25
Variable returns
Your money is held on trust with major New Zealand AA- rated banks.
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
Calculate how much you could earn with Squirrel investments
Work out how much interest you could be getting 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.
Are you hands on, or a set-and-forget type of investor?
If you like to stay in control, then investing directly on our platform is the way for you. It's easy and to be honest, it's fun.
Allergic to technology or prefer to leave the detail to us?
Then the Squirrel Monthly Income Fund might be more your gig. It's a super easy way to get a great return without the hassle. It has the added benefit of being a PIE fund which means there may be tax benefits for you.
The Squirrel Monthly Income Fund
It's a good old fashioned managed fund that invests into our pool of loans and gives you a blended return all tied up in a bow, without you having to give it a thought. We designed it for those looking for regular income, hence the really boring name.
It's a PIE which means there may be tax benefits for you compared with paying RWT on Squirrel's direct term investments.
You can find the Squirrel Monthly Income Fund on New Zealand's leading wealth platforms, or ask your Investment Adviser to hook you up. If they don't know about it, maybe ask why and then send them our way.
1Security for personal loans includes a caveat on title, second mortgage or PPSR registration for tiny homes.
Carole
Hawke’s Bay, New Zealand
Didnt end up investing but i like the whole comcept of peer to peer lending and the fact your a nz company. Will be looking to come back in the futureC
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
