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Frequently Asked Questions

Quick, accessible answers to many questions that you may wish to ask.

FEI is a finance company based in Auckland and has been operating in New Zealand since July 2003. FEI has been in business continuously over the last 15 years, servicing the needs of our valued customers. FEI is authorised to accept deposits from public as a non-bank deposit taker (NBDT) and is required to comply with the relevant requirements set by the Reserve Bank of New Zealand.

Having endured the 2008 Global Financial Crisis, FEI is pleased to still be in a privileged position to offer competitive investments for its customers. FEI lends money and provides financial support to enterprises in the business and property sectors.

  • FEI is unique in the New Zealand finance industry in terms of innovative lending structure and competitive investment rates.
  • FEI has been in business for over 15 years and has successfully dealt with the challenges brought by the volatile global and domestic economic conditions since the Global Finance Crisis.
  • Since its inception, FEI has never missed any payment due to any investor.
  • FEI’s executive Directors have collectively over 45 years of experience in the New Zealand finance sector who are supported by a well-trained and experienced management team.

Banks make loans to both private individuals and businesses. Due to the bureaucratic nature of banking operations and their lending policies, the banks have to restrict the scope of lending activities they can undertake.

On the other hand, FEI is a niche lender specialising in business, corporate sectors. The sectors that FEI lend to require specialised expertise and experience built up over many years. This niche allows the management of FEI to charge higher interest rates and fees for the loans made by FEI.

Standard & Poor’s has assigned a “B” long-term issuer credit rating to FEI, with a negative outlook. Further information on our credit ratings can be found on the Standard & Poors’ website.

Mel Stewart has extensive experience in the valuation and financing of rural land and farm stock, as well as residential, commercial and industrial property development both here and in Australia. His former working experience in the Rural Bank and as a director of Elders Finance Limited gives him a comprehensive understanding of issues relating to these areas of finance. Mel has a Bachelor of Agricultural Science degree from Massey University and he is a registered valuer.

TK Shim has in-depth experience in corporate advisory services and corporate finance to Small and Medium Enterprises (SMEs). TK specialises in innovative structured financing for companies in the general business sector including arranging bond and unit trust issues, putting in place trade finance, financing acquisitions, securitisation facilities and other debenture lending products. Having gained his law degree from Auckland University, TK was a banking law specialist with some of the major law firms in New Zealand He also gained banking experience from working with Westpac Banking Corporation.

FEI offers Secured Fixed Term Corporate Bonds that are fully secured by a first ranking security interest over the assets of FE Investments.*

FEI offers competitive interest rates with a minimum investment of NZD $5,000 and maximum amount of NZD $500,000 for a single deposit.

Please contact our investment team for quotes on amounts over $100,000.

You can invest for terms of 12 months, 18 months, 24 months or 36 months. Interest rates vary depending on terms involved. Details of our latest rates are set out in the rate card accompanying the current Investment Statement and Application Form.

Your investment is pooled with those of other investors and used to fund FE Investment’s financing activities. FEI specializes in providing finance in the form of advances, discounting of rental or subscription contracts, loans, or credit support for bridging finance, working capital requirements or other business-related purposes.

Within the property sector, FE Investments provides finance for land subdivision, construction, property development and investment.

Investors pay no fees or charges in relation to an investment in our Fixed Term Corporate Bonds. However, there maybe fees payable by investors if it’s overseas currency payment or investors require payment of interest or repayment of principal to be made to an overseas bank account.

Quarterly interest is payable within five business days of the first business day of April, July, October and January for the preceding quarter (or part thereof). If preferred by the investor, interest can be paid on the maturity date of the Secured Fixed Term Corporate Bond to benefit from compounding interest.

The depositor is responsible to pay the income tax on the interests earned. If the depositor is NZ tax resident he/she will be given the option to pay 10.5%, 17.5%, 28% (for company), 30% and 33% tax rate, If the depositor is non NZ resident he/she might be qualified to pay 2% AIL rate only. To find more information please go to

Secured Fixed Term Corporate Bonds are for a fixed period of maturity. Any early withdrawals shall be at the entire discretion of the directors of FE Investments. In the event that FEI agrees to such early withdrawal, a depositor will need to demonstrate (with reasonable proof submitted to FEI) that the depositor would suffer from undue hardship if no early withdrawal is permitted.

If early redemption is agreed to by FEI, then, the interest rate maybe reduced to reflect the term of deposits made with FEI. FEI may charge you a reasonable administration fee for any such early withdrawal.

Yes, the Financial Transactions Reporting Act 1996 and the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 require verification of all new investors’ identities.

Please read our Product Disclosure Statement and Apply Online here.

Identification Requirements

To be approved for a Fixed Term Corporate Bond, you will need to provide verified Photo Identification:

  • New Zealand Passport; OR a passport issued by a foreign government
  • New Zealand Driver Licence with another form of identification such as New Zealand birth certificate, citizenship certificate, bank statement by a registered bank, bank card, document or statement issued by a government agency within 12 months

You will also need to provide verified proof of residential address:

  • Bank statement, power bill, home phone bill, IRD statement, local authority rates bill, etc.


FEI staff can verify copies of your proof of identification and residential address at our offices.

If you do not meet with our staff, you will need to have your documents certified by a trusted referee.

A trusted referee must not be related to you, and can be one of the following:

A Commonwealth representative (e.g Ambassador, Minister, High Commissioner); Police constable; Justice of the Peace; Registered medical doctor; Kaumatua; Registered teacher; Minister of religion; Lawyer; Notary public; NZ Honorary Consul; Member of parliament; or a chartered accountant.


FEI can accept a deposit cheque paid to FEI (either bank cheque or personal cheque) or direct credit to our bank account. Our bank account details are as follows:

Bank Name: ASB Bank
Bank Account: 12-3216-0057691-61
Account Name: FE Investments Limited
(Note: please put depositor’s name at the reference area)

* Subject to preferential claims at law and permitted charges.

To learn more about FE Investments, we recommend that you read our Product Disclosure Statement.

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