Secured Debenture Stock and Deposits – Current Interest Rates

Secured Debenture Stock and Deposits – Current Interest Rates

See red table below for current specials
Contact Canopus Investments Limited for exclusive specials and loyalty rates: info@canopus.co.nz
All term deposit interest rates quoted at % per annum, paid or compounded quarterly unless stated otherwise
Issuer
(click name to download investment statement and application form) NZ Govt Deposit Guarantee* $ Min. Call 3 m 6 m 9 m 12 m 15 m 18 m 24 m 30 m 3 yr 4 yr 5 yr Credit
Rating
(long
term)
** Outlook Notes
Asset Finance No 500 2.60 3.60 4.60 5.10 6.10 6.20 6.50 B
S&P; stable
FE Investments No 5000 6.00 6.50 7.25 7.30 B
S&P; stable US Dollar investments available, click here for rates.
Finance Direct No 1000 2.50 4.95 5.50 6.25 6.35 7.00 7.50 Loyalty rates for existing investors may range up to +0.50% for different terms except specials as shown in red table below.
Fisher and Paykel Finance No 1000
25,000 2.85
2.85 3.15
3.30 3.65
3.80 3.75
3.90 3.85
4.00
3.95
4.10 4.10
4.25
4.25
4.40 4.35
4.50 4.45
4.60 BB
S&P; stable Monthly interest payments available on $10k min. deposit. Special rates may be available for $250,000 or more.
General Finance No 5000 2.50 4.00 5.00 5.50 5.75 4.75 4.75 Monthly interest payments available on deposits $10k and above.
Gold Band Finance ³ No 500
5000 2.00
2.50 2.00
2.50 3.00
4.25 4.25
5.00 5.50
6.00 5.50
6.10 5.50
6.50 5.50
6.50
Heartland Bank
Deposit rates No 1000
20,000 3.25
3.25 2.90
3.00 3.40
3.40 3.30
3.40 3.55
3.55
3.45
3.55 3.50
3.60
3.60
3.70 3.65
3.75 3.70
3.80 BBB
S&P; negative Call rate quoted is for individual direct call account. Special rates may be available for deposits of $250,000 or more. Special rates available to existing investors from time to time. Contact Debex for details. info@debentures.co.nz
Liberty Financial No 5000
20,000 3.45
3.60 4.05
4.20 4.15
4.30 4.70
4.85 5.05
5.20 5.25
5.40 5.85
6.00 5.75
5.90 5.65
5.80 BBB-
S&P; positive Liberty Financial Pty Limited, 100% owner of Liberty Financial, guarantees principal and interest of outstanding Secured Deposits.
Mutual Credit Finance No 5000 5.00 5.25 6.00 6.25 6.25 6.25 May pay special rates for deposits of $100k and over.
UDC Finance ² No 5000
100,000 2.45
2.95 2.95
2.95 3.50
3.55 3.50
3.55 3.65
3.70 3.55
3.60 3.60
3.65 3.65
3.70 3.75
3.80 3.85
3.90 AA-
S&P; stable Call rate is for telephone call account. Interest paid on maturity for terms under 12 months. Monthly interest payment option available for terms 12 months and greater.

* The New Zealand Government Retail Deposit Guarantee Scheme terminated on 31 December 2011.
** For an explanation of credit ratings see the Reserve Bank of New Zealand credit ratings pamphlet here.
¹ Special investment rates available through Canopus Investments Limited. See “Red Table” specials below.
² Monthly and other payment terms available; rates may vary slightly from quarterly payment rates.
³ Loyalty rate applies on reinvestment, usually +0.25% p.a. but may vary between companies. Loyalty rates may not apply to specials.

NOTES:
1. Listing of any finance company or financial institution on this website does not constitute a recommendation or advice to purchase debenture stock or any other security issued by that company. See Disclaimer below. For personal investment advice contact Canopus Investments Limited info@canopus.co.nz. Investment Adviser Disclosure Statement available on request, free of charge.
2. Finance companies may offer special rates on investments made through Debex. Contact Debex for details. info@debentures.co.nz
3. All listed finance companies offer the option of quarterly compounding interest rates, effectively increasing listed rates by up to 0.4% p.a. Contact Debex for details.
4. Applicants must provide all identification documentation as requested in the application form or investment statement. Failure to provide identification as requested may invalidate an application.
5. Deposit taking institutions reserve the right to accept or decline any application at their own discretion.

Order Investment Statements

Current Specials – Deposits and Secured Debenture Stock Interest Rates

Contact Canopus Investments Limited for exclusive specials and loyalty rates: info@canopus.co.nz
All term deposit interest rates quoted at % per annum, paid quarterly unless stated otherwise.
Issuer
(click name to download investment statement and application form) $ Min. Term Rate % p.a. Notes
Finance Direct 1000 49 mths 7.25
Finance Direct 1000 49 mths 7.50 Loyalty rate for existing depositors only. New investors can receive 7.50% p.a.

Updated: 7 January 2016

Conditions of use of this website

Use of this website denotes agreement to the following terms and conditions:

Disclosure

Debex �, The New Zealand Debenture, Equity and Bond Exchange, is an exempt financial product market under section 312(1)(a) of The New Zealand Financial Markets Conduct Act 2013 (the Act) and is therefore not regulated as a financial product market under New Zealand law.

Debex secondary markets facilitate the trading of equities, preference shares, debenture stock, bonds, capital notes, managed funds and property based securities.

Investors using the Debex secondary markets will not be afforded the protection provided by a financial product market licensed under the Act which incudes, but is not limited to, restrictions on insider trading, disclosure of directors’ relevant interests and disclosure of material information liable to affect the market price of securities.

Debex does not monitor the issuers of securities listed on the Debex secondary markets for compliance with relevant laws and regulations.

 

Disclaimer

Debex �, The New Zealand Debenture, Equity and Bond Exchange, is owned and managed by Canopus Investments Limited, FSP 31002, a privately owned New Zealand financial services company. To the maximum extent permitted by law, neither the owners, managers, employees nor associates of The New Zealand Debenture, Equity and Bond Exchange accept any liability whatsoever for transactions initiated through this website. Neither the owners, managers, employees nor associates of The New Zealand Debenture, Equity and Bond Exchange guarantee the performance of any party to any contract established through this website.

Information provided on this website does not constitute a recommendation or advice to purchase any investment or service listed or mentioned on this website. Information displayed on this website does not constitute personal investment advice and should not be relied on for making investment decisions. Investments mentioned on this website may not be appropriate for individual investment objectives or individual financial circumstances. Investors requiring personal investment advice should consult Canopus Investments Limited. A Financial Adviser Disclosure Statement is available on request, free of charge.

Information provided on this website is compiled from information believed to be accurate at the time of publication but no guarantee as to the accuracy of information displayed on this website is given, intended or implied.

Neither The New Zealand Debenture, Equity and Bond Exchange nor its owners, directors, officers and associates, guarantee the expected return or any other return from investments mentioned on this website.

Information provided on this website is not intended to create, nor does it create, any legal obligation, responsibility or contract between the owners, managers, employees or associates of The New Zealand Debenture, Equity and Bond Exchange and any other party.

Acceptance of offers

Information provided on this website does not constitute an offer of primary issue securities as such offer is only made on receipt of a completed application form. Application for primary issue securities will only be accepted when made on the application form accompanying the formal offer document.

Application to purchase securities listed on Debex secondary markets will only be accepted when made in accordance with the Secondary Market Trading Rules.

Restrictive Jurisdictions

No investment, product or service referred to on this website is, or will be, knowingly offered to any person or entity residing in, or subject to, a restrictive jurisdiction where the offer of such investments would be unlawful. Any person or entity requesting information about, or making application for, any investment, product or service referred to on this website, will be deemed to have declared that the person or entity making the request or application is free to receive such offers and is not subject to any restrictive jurisdiction where such action would be considered unlawful.

Copyright

Information published on this website is provided on a non-prejudicial basis only. It may not be used for other than the purpose for which it is intended, that is, the obtaining of financial services information of a general nature only. International copyright to the material on this website is held by Canopus Investments Limited. Unless specifically authorised by Canopus Investments Limited in writing, all copying, forwarding or alternative use of information obtained from this website, in any manner whatsoever, by any individual, entity, corporate, state or representative of such entities, is prohibited and may be deemed to constitute breach of copyright.