Easy Property Returns
What is GoLend?
GoLend is a peer-to-peer mortgage lending platform that matches investors with borrowers who need short-term, first mortgage funding — typically for business or commercial use.
It's fully licensed by the Financial Markets Authority (FMA) and designed for people who have money to invest and want consistent returns without buying property themselves.
How It Works for Borrowers
Borrowers come to GoLend when they need short-term funding — usually for up to 12 months, sometimes stretching to 24 if the deal makes sense.
A typical borrower might be:
A self-employed business owner waiting to finalise financials
A developer in the early stages of a property project
Someone who needs to release equity from a property for working capital
In all cases, GoLend requires first mortgage security on a property and lends based on the asset, not just the borrower’s paperwork.
Why Banks Don’t Always Fit
Traditional banks often can’t move quickly or flexibly, especially when someone hasn’t finalised their financials or is in between accountants. That’s where GoLend steps in — as a stepping stone lender that helps bridge the gap.
Borrowers use the facility to:
Buy time to sell another asset
Refinance back to the bank
Finish building or resource consent processes
Access cash for short-term business needs
Who’s Behind the Platform?
Ross handles credit, operations, and compliance — essentially, the engine room. Alongside him are co-founders Luke Jackson (CEO and strategy lead) and Tim Yman. Between them, they’ve built a lean team focused on speed, structure, and robust decision-making.
Making Mortgage Investing Accessible
GoLend is also modernising the investment side. Ross likened their mission to what Sharesies did for the sharemarket — making a complex product simple, digital, and open to more people.
Investors don’t need to buy a house or deal with tenants. They can earn returns by backing loans secured by property, with full visibility and regular reporting. GoLend’s process is built to meet AML requirements while staying as frictionless as possible.
What Credit Looks Like Behind the Scenes
When assessing a deal, GoLend looks at:
The property offered as security — location, value, and saleability
The loan-to-value ratio (LVR) — how much is being borrowed vs. the property's worth
The exit strategy — how the borrower plans to repay (e.g. sale, refinance, etc.)
Red flags include properties that have cycled through multiple non-bank lenders or deals where transparency is lacking. Ross emphasized that honesty up front helps structure a stronger deal and avoid surprises later.
What Happens When a Loan Goes into Arrears?
If a borrower misses a payment and becomes 30 days overdue, GoLend:
Notifies investors
May begin mortgage sale proceedings, which typically take 3–4 months
Ross was clear: while there’s risk in any investment, GoLend’s team takes the credit process seriously — every deal is signed off by multiple experienced people.
The guiding principle: “Would I put my own money behind this?”
Key Takeaways
GoLend provides short-term, first mortgage finance for business or commercial use
Ideal for self-employed borrowers or developers needing flexible funding
Investors earn returns by funding secured loans — without buying property themselves
GoLend is streamlining peer-to-peer mortgage investment for modern Kiwis
Want to Learn More or Talk Funding?
Whether you’re a business owner looking for short-term working capital or someone interested in investing outside the box — GoLend is worth a look.
If you're a borrower needing fast, flexible funding backed by property, or just want to understand your options, let’s have a chat.
Contact Me on About the Green to talk about what’s possible.