About MB Private | Our Risk Management
Lower Risk, Lower LVR
Our approach
We manage credit risk by focusing on lower-risk loans with conservative loan-to-value ratios, primarily in New Zealand’s main centres.
MB Private specialises in registered first mortgage loans for qualifying residential borrowers across New Zealand. We aim to disrupt traditional lending by offering competitive rates, cost-effective solutions, and broad access via a trusted Mortgage Adviser network.
Our approach is led by seasoned credit experts with a strong track record in the New Zealand market, supported by smart, integrated technology and robust credit policies that ensure every loan meets the highest operational and risk standards.
Key elements
Secure Lending
Every loan MB Private make is backed by real, enforceable security- starting with a first registered mortgage on property, often supported by a personal guarantee and sometimes a General Security Agreement (GSA) over other assets. This layered protection gives multiple recovery options and helps safeguard investor capital through a responsible, asset-backed lending approach.
Conservative Credit Assessment
Before any loan is approved, MB Private applies a disciplined credit process - using a proprietary risk model, detailed assessment of income, property value, debt, and strict lending criteria. We avoid speculative or high-risk loans, focusing instead on prime residential properties in New Zealand’s strongest markets. By backing quality borrowers, we help preserve capital and keep investor returns stable.
Portfolio Diversification & Ongoing Monitoring
MB Private manages risk at both the loan and fund level. We diversify across loans, locations, and borrower types, avoid concentration, and actively monitor performance after loans are written. Even strong loans can face challenges. So, we can build a balanced portfolio designed to absorb shocks and ensure no single issue impacts overall fund performance.
Independent oversight
Apex – Fund Administration
Apex Group, operating as MMC in New Zealand, is one of the world’s largest fund administrators.
They manage day-to-day fund operations, track investor holdings and performance, provide regular reporting, and handle back-office tasks - allowing MB Private to focus on lending and strategy.
Trustees Executive Limited – Independent Trustees
TEL is New Zealand’s largest and oldest licensed independent trustee company, acting as the legal guardian of MB Private’s fund assets on behalf of investors. They hold assets in trust - so we don’t directly handle investor funds - and ensure compliance with fund rules and offering documents and oversee key operations like lending and redemptions.
With ongoing compliance monitoring, TEL plays a critical role in protecting investor interests and ensuring MB Private operates transparently and within strict governance frameworks.
External Auditors & Accountants
Independent financial professionals provide oversight of MB Private’s financial operations and fund performance. They conduct regular audits, verify the accuracy of financial statements, fees, and reports, and ensure compliance with accounting standards and disclosure requirements. This external review gives investors’ confidence that the numbers are accurate, and the fund is held to high, transparent reporting standards.