About

Pearl Trust is an established non-bank finance provider to the New Zealand property finance sector, providing a full range of secured debt and equity funding facilities for small and large property clients.

Pearl Trust is a recognised market participant, with extensive relationships, broad sector knowledge and the track record and experience to provide well-structured facilities with consistent risk weighted returns managed on behalf of its private and institutional investors.

Pearl Trust is also an active investor, co-investing alongside its investors, providing an alignment of interests and an ongoing commitment to the hands-on management ethos which underpins Pearl Trust’s success.

Leading New Zealand investment banking firm Jarden (formerly FNZC), became a 50% owner and joint venture partner in January 2025, bringing corporate strength to brand, a long term commitment to the business and the non-bank finance sector where it sees significant growth opportunities.

Pearl Trust was founded in 2009 and continues today to be run by an executive management team that remain significant shareholders of the business.

We are a small team, with shareholder and director on-the-ground presence. The Jarden executive and wider group provides enhanced investor support, strong governance and compliance backing and an invaluable administration service that enables the executives to focus on origination and risk management.

The Pearl Trust Executive Board and Management have long standing market experience and skills beyond our core competency as lenders and include a comprehensive range of Property and Finance related services.

Our Values

Pearl Trust values its open book dialogue with clients and investors, honesty in all facets of its operations, diligence in meeting key criteria compliance and governance, respect for the needs of others, a determination to strive for excellence and the tenacity and flexibility to see the completion of its funded projects.

Our Goals

Pearl Trust's goals are to be the market leader for non-bank property investment opportunities and provide continued and sustainable investment returns through all market cycles.

Pearl Trust has experienced continued growth over recent years and considers its market presence and performance to be a strong catalyst for increased demand from borrowers and investors alike.

During the past 12 months, Pearl Trust have settled over $100 million of well qualified transactions for both new and concluding developments, including considerable recycling of existing investors' capital.

Shareholders

In 2017, Pearl Trust formed a joint venture with Jarden (formerly FNZC) in the property finance sector allowing us to take advantage of the strong development cycle and consider a wider range of projects in a climate when the major banks are increasingly constrained by capital adequacy rules, compliance and tightening credit criteria.

Jarden is a leading full service, wholly locally owned share broking and investment banking firm. Jarden has been in operation in the NZ market for more than 50 years as various operating entities, with a strategic alliance with Credit Suisse.

The Jarden joint venture strengthens Pearl Trust’s standing in the market and positions it to be able to consider more projects, including larger developments, at a time when there is a continued demand for property investment and development capital.

Since the establishment of the joint venture, Pearl Trust has experienced strong growth which has been the catalyst for co-investment alongside its private and institutional investors.

As part of the joint venture, Jarden are represented on Pearl Trust’s Board providing valuable additional governance and structure as well as access to a significantly wider funding base.