Welcome

Say Hello to Welcome. A surprisingly human approach to finance, Welcome believes Kiwis deserve better. Proudly Kiwi-owned and 100% NZ-focused, Welcome is the first new entrant Non-bank Deposit Taker to be licensed by The Reserve Bank of New Zealand – Te Pūtea Matua in nearly a decade. Welcome term deposits earn attractive returns with interest rates that outperform traditional savings accounts and bank deposits. The Depositor Compensation Scheme* (DCS) covers eligible depositors up to $100,000 if your deposit taker fails, when your money is held in DCS-protected accounts, like Welcome secured deposits and PIE funds. Welcome offers first mortgage loans (via mortgage brokers), with residential^ and commercial loans tailored to our borrower’s unique requirements. We fill a gap in the market for NZ borrowers who are underserved by traditional banks, don’t fit into rigid protocols, or don’t get answers quickly enough to move on an opportunity. *The Depositor Compensation Scheme forms part of the Deposit Takers Act 2023 and came into effect on 1 July 2025. For more information, visit dcs.govt.nz. Welcome Limited, FSP 1007093, is a licensed deposit taker but is not a registered bank. Welcome Limited is the issuer. Our product disclosure statement is available from our website. The products and rates we offer are subject to change. Terms, conditions, fees, and charges apply to lending by Welcome Limited. Lending is subject to our credit criteria.