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First Ranking Secured Debenture Stock - 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       5.00 5.75   6.75 8.05   8.25 9.15   B
S&P 		negative  
FE Investments No 1000       8.00 10.00   10.50 10.50   10.50          
Finance Direct No 1000     6.95   9.50   9.75 10.50   10.95 10.95 10.95     Loyalty rate +0.25% for 12 - 24 mth terms.
Fisher and Paykel Finance No 1000
25,000 		5.00
5.00 		5.50
5.75 		6.00
6.25 		6.50
6.75 		7.00
7.25 		 
  		7.10
7.35 		7.20
7.45 		 
  		7.25
7.50 		7.35
7.60 		7.45
7.65 		BB
S&P 		stable Monthly interest payments available on $10k min. deposit. Special rates may be available for $250,000 or more. Special rates available through Canopus Investments until end of February 2012. Contact Canopus info@canopus.co.nz for details.
General Finance No 5000     4.25   6.50   7.75 8.00   8.05 8.00 7.50      
Gold Band Finance ³ No 500
5000 		    2.00
2.50 		2.00
2.50 		4.50
5.00 		  7.25
7.75 		8.75
9.25 		  8.95
9.45 		8.95
9.45 		8.95
9.45 		    Special rates available for deposits of $50k and above.
Liberty Financial No 5000   5.50     7.70 8.00   8.05   8.25 8.30 8.35 BB
S&P 		stable Liberty Financial Pty Limited, 100% owner of Liberty Financial, guarantees principal and interest of outstanding Secured Deposits.
Marac Finance No 1000
20,000
50,000 		3.25
3.25
3.75 		4.75
4.75
  		4.90
5.00
  		5.15
5.25
  		5.75
5.75
  		 
 
  		5.75
5.85
  		6.05
6.15
  		 
 
  		6.35
6.45
  		6.65
6.75
  		6.65
6.75
  		BBB-
S&P 		stable Marac now operating as a division of Heartland Building Society. Term deposits issued by Heartland Building Society. Special rates may be available for deposits of $250,000 or more. Special offers available to existing investors from time to time.
Mutual Credit Finance No 5000         8.00   9.25 9.50   9.75 9.75 9.75     May pay special rates for deposits of $100k and over.
PGG Wrightson Fin. ² No 1000
20,000 		 
  		4.75
4.75 		4.90
5.00 		5.15
5.25 		5.75
5.75 		 
  		5.75
5.85 		6.05
6.15 		 
  		6.35
6.45 		6.65
6.75 		6.65
6.75 		BBB-
S&P 		stable PGG Wrightson Finance now operating as a division of Heartland Building Society. Add 0.25% for annual payments, available on 1, 2, 3, 4, 5 yr terms, $20k and over. Monthly interest payment option available at slightly lesser rate.
UDC Finance ² No 5000
100,000 		3.00
3.25 		3.65
3.65 		4.30
4.40 		4.30
4.40 		4.50
4.50 		  4.40
4.50 		4.70
4.80 		  4.90
5.00 		5.20
5.30 		5.45
5.45 		AA-
S&P 		stable Interest paid on maturity for terms under 12 months. Monthly interest payment option available.
                                   

* 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.

Order Investment Statements
Current Specials - First Ranking 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
Asset Finance 500 29 months 8.15  
Finance Direct 1000 22 mths 10.50 Subscriptions limited to total of $1.5m.
Fisher and Paykel Finance 1000 various special Special rates and terms currently available through Canopus Investments until 29 February 2012. Contact Canopus info@canopus.co.nz for details.
         

Updated: 29 January 2012



Statement of Disclosure

The New Zealand Debentures Exchange is not a registered stock exchange or securities exchange in terms of the New Zealand Securities Markets Act 1988, and is therefore not regulated as a securities exchange under New Zealand law.

Conditions of use of this website

Use of this website denotes agreement to the following conditions:

Disclaimer

The New Zealand Debentures Exchange is owned and managed by Canopus Investments Limited, 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 Debentures Exchange accept any liability whatsoever for transactions initiated through this website. Neither the owners, managers, employees nor associates of the New Zealand Debentures 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 is not intended as specific 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 specific 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 Debentures 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 Debentures 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. 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.


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