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  • Earn better returns and access your money with no penalties.
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The marketplace is where our community easily manages their investments

We're all about transparency, so we're handing you the microscope. See for yourself what loans are coming in, what we've recently funded, how long it takes to sell on the secondary market, and how our reserve funds are performing.


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Our current market interest rates

Home Loans up to 7 years
7
Construction Loans up to 2 years
7.5
Personal Loans 1 year
7.75
Personal Loans 2/3 year
7.75
Personal Loans 5/7 year
7.75
Interest rates subject to change. T&Cs apply. For more information on how our rates work, have a read of our Investor Booklet.
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Loans funded in the last 7 days

4,419,100

38,019

4,713

58,750

281,245

4,036,373

Current balance across Squirrel On-Call Accounts

129,839,806

Latest activity on the secondary market

How much is currently stored away in reserves

Currently available to the Personal Loans Reserve Fund

1,059,325

Currently available to the Home Loans Reserve Fund1

267,218

Currently available to the Construction Loans Reserve Fund

1,787,895

Find out how the Reserve Funds work here.

The latest reserve fund performance for all investment types

Personal Loans
Active loan book

11

Funds available to the Reserve Fund

1,059,325

Coverage ratio 2

9.51

Expected Borrower default rate p.a. 3

0.86

Borrower reserve levy p.a. 4

0.84

Home Loans
Active loan book

31

Funds available to the Reserve Fund 1

267,218

Coverage ratio 2

0.87

Expected Borrower default rate p.a. 3

0.03

Borrower reserve levy p.a. 4

0.26

Construction Loans
Active loan book

117

Funds available to the Reserve Fund

1,787,895

Coverage ratio 2

1.6

Expected Borrower default rate p.a. 3

0.35

Borrower reserve levy p.a. 4

1

Check out our loan book performance

Our loan book is open, so you can dig into as much detail as you like. Read up on the risk grades of our loans, how much we've lent out, how much has gone into arrears and the overall performance on our Platform, month by month. This intel can help you stack up our investment options and decide what you're most comfortable investing into.

Get the low down here

Want to have a chat about investing with us?

Our team is happy to answer any questions you have, give us a call on 0800 21 22 30 or book a phone call.

Book a chat Meet the team

1 The Home Loan Investment Class Reserve Fund includes cash on hand and an overdraft facility of $100,000 provided by Squirrel Money Limited supported by a bank guarantee.

2 The value of the Reserve Fund relative to the size of the Active Loan Book.

3 Squirrel measures the Expected Borrower Default Rate of the Active Loan Book each month. This is a modelled number taking into account the Probability Of Default and the Loss Given Default.

4 The weighted average Borrower Reserve Levy is the amount of money being reserved as a percentage of the active loan book each year.

 

See why our clients love us

See for yourself what our clients think with 66 five star reviews on Shopper Approved.

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 future
C

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