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Investing with Gold Band Finance - a secured with competitive returns


If you are looking for a secured, transparent and easily manageable investment product that gives you consistently competitive returns, we are at your service!

We give you control of your investments, letting you choose

  • How much you want to invest, the minimum is $500
  • How long you want to invest for (maximum 5 years) 
  • How you want your interest paid or compounded.
  • Secured Debenture Stock or Unsecured Deposit.
  • Reinvestment options on maturity (please click)

* Minimum Investment for these rates is $5000

At Gold Band Finance you not only enjoy flexible interest payment options, but also the highest quality service. Whether you choose to invest online, via mail,  telephone, or visit us at our Christchurch offices our team of professional investment consultants will be happy to assist you.

What's more, your investment with Gold Band Finance contributes to the growth of New Zealand industry by funding a wide base of urban and rural businesses across the country and providing finance to their customers.

Gold Band Finance is a Registered Financial Service Provider. The Financial Service Providers register can be searched at www.fspr.govt.nz.    

Credit rating

The Non-bank Deposit Takers Act 2013 requires deposit takers to hold a credit rating, subject to certain exemptions. The Company does not have a credit rating because it is operating under an exemption (Deposit Takers (Credit Ratings Minimum Threshold) Exemption Notice 2009, 

originally pursuant to section 157G of the Reserve Bank of New Zealand Act 1989 from the requirement under the Act to have a credit rating.

The exemption applies because the Company and the Group has liabilities of less than $20 million, making it unduly onerous and burdensome to comply with the requirement under the Act to have a credit rating.

The exemption will apply for the period during which the Company meets the exemption criteria, and will have the effect of allowing the Company to maintain a lower cost structure than would be the case if rated. In general terms the exemption provides for diversity within the Non bank deposit taker

sector, by accommodating smaller issuers that would otherwise be disadvantaged by the cost of credit rating, reducing the risk that the sector consolidates to comprise a small number of similar large scale issuers. In addition, investors will be unable to use credit ratings as a basis for comparing rated

issuers with unrated issuers.


Find out more about our interest rates, product features and how to invest.


Download our 
Application Form


Download our 



Download our 
 Interest Rate Card


Download our 
Investment Statement

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