Norfolk
- Company typePrivate
- Founded2006
- HeadquartersParnell, New Zealand
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
Norfolk firmographics
Firmographics- Name
- Norfolk
- Legal name
- Norfolk Mortgage Management Limited
- Website
- https://norfolktrust.co.nz
- Company type
- Private
- Founded year
- 2006
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Ownership category
- akta.pro rank
Norfolk industry classification
Industry- Product category
- Non-Bank Mortgage Lending & Managed Investment
- NAICS
- Real Estate Credit (522292), Funds, Trusts, and Other Financial Vehicles (525)
- SIC
- Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Private Credit / Direct Lending (FSAAAHAG)
- akta.pro secondary industry
- Real Estate Funds — Core (Stabilized, Income) (FSANAEAF)
Keywords
Where Norfolk is headquartered
LocationHeadquarters
- HQ city
- Parnell
- HQ country
- New Zealand
- HQ region
- Oceania
Offices1 record
Markets served
Norfolk business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others
Revenue model
- Mortgage Investment Returns: Norfolk Mortgage Trust generates returns by investing in a diversified portfolio of first mortgage loans throughout New Zealand. Returns are paid monthly to investors at an annualised pre-tax rate. The company operates as a Portfolio Investment Entity (PIE), deducting tax automatically at each investor's Prescribed Investor Rate (PIR) of 10.5%, 17.5%, or 28%.
- Non-Bank Lending Interest: As a non-bank lender, Norfolk Mortgage Trust earns interest income from borrowers on short-term bridging finance, working capital funding, interest-only loans, and equity release loans. Loans are secured by first registered mortgages over residential, commercial, industrial, and rural properties.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Standard Investment - Minimum $5,000 with no entry or exit fees |
| Other | Pay-as-you-go | Borrower Loans - Short-term bridging and working capital funding |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels5 records
Norfolk product offering
Product offeringCore offering
Norfolk Mortgage Trust operates a property-backed investment fund that pools investor capital (minimum NZ$5,000) to fund first-mortgage loans across New Zealand, returning a pre-tax annualised 6.25–6.5% paid monthly under a PIE tax structure. On the lending side, as a non-bank lender it offers borrowers bridging finance, interest-only loans, working capital funding, and equity release secured by first mortgages over residential, commercial, industrial, and rural property.
Product overview
Norfolk Mortgage Trust operates as a unified property-backed investment and lending platform offering two interconnected services. For investors, the core product is the Norfolk Mortgage Trust investment fund, a licensed managed investment scheme that pools investor capital to provide first-mortgage lending throughout New Zealand, with individual, joint, company, and trust application options. For borrowers, the platform offers complementary lending products including bridging finance, interest-only loans, working capital funding, and equity release services. The investment fund provides the capital pool that enables the lending products, creating an integrated model where investor returns derive from mortgage interest payments on the secured loan portfolio.
Differentiator
Problem solved
Functional benefit
Products and services
- Norfolk Mortgage Trust Investment Fund Licensed managed investment scheme (PIE) that lets New Zealand retail investors, joint applicants, trusts, and companies invest from NZ$5,000 to receive monthly income backed by a diversified first-mortgage loan portfolio.
- Bridging Finance Short-term first-mortgage lending for borrowers needing quick funding to bridge property transactions or interim project financing, offered by Norfolk as a non-bank lender.
- Interest-Only Loans Flexible first-mortgage loan structure allowing borrowers to pay interest only for a set period, preserving cash flow while keeping the option to capitalise interest.
- Working Capital Funding Property-secured business financing for borrowers seeking working capital, growth capital, or lending restructuring, tailored to each borrower's financial position and goals.
- Equity Release Service enabling property owners to access capital tied up in their property for further investments, business purchases, or working capital needs, secured by first mortgage.
- Individual Investment Application Online application pathway for individual investors to open a Norfolk Mortgage Trust investment account, requiring personal details, IRD number, and a minimum NZ$5,000 placement.
- Joint Investment Application Online application pathway for two applicants applying jointly for an investment in the Norfolk Mortgage Trust.
- Company/Trust Investment Application Downloadable PDF application form for companies and trusts seeking to invest in the Norfolk Mortgage Trust via its PIE structure.
Quantifiable outcome
- Pre-tax annualised return of 6.25-6.5% paid monthly (2026)
- +4 more outcomes
Companies that use Norfolk
Customer profileNamed customers2 records
Segments3 records
Ideal customer profiles3 records
Norfolk technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Norfolk partnerships and signals
Strategic signalScale indicators7 records
Recent moves6 records
Expansion highlights4 records
Norfolk competitors and assessment
Company assessmentMarket position
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Norfolk social profiles
Digital presenceNorfolk financial estimates
Financial estimateRevenue estimate
Valuation estimate
Norfolk leadership team
Management profileNumber of profiles
Profiles1 record
Norfolk funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Norfolk M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Norfolk
What does Norfolk do?
Norfolk Mortgage Trust operates a property-backed investment fund that pools investor capital (minimum NZ$5,000) to fund first-mortgage loans across New Zealand, returning a pre-tax annualised 6.25–6.5% paid monthly under a PIE tax structure. On the lending side, as a non-bank lender it offers borrowers bridging finance, interest-only loans, working capital funding, and equity release secured by first mortgages over residential, commercial, industrial, and rural property.
Is Norfolk a public or private company?
Norfolk is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Norfolk founded?
Norfolk was founded in 2006. It employs 1 to 10 people.
Where is Norfolk based?
Norfolk is headquartered in Parnell, New Zealand, in the Oceania region.
How does Norfolk make money?
Two revenue lines are on record. Mortgage Investment Returns are the primary driver. The others are non-Bank Lending Interest.
Does Norfolk have an API?
No public API is recorded for Norfolk.
What industry is Norfolk in?
Norfolk's product category is Non-Bank Mortgage Lending & Managed Investment. Its primary akta.pro industry code is FSAAAHAG, Private Credit / Direct Lending, with a secondary code of FSANAEAF, Real Estate Funds — Core (Stabilized, Income). Its NAICS code is 522292 and its SIC code is 6162.