He Tirohanga Whānui me te Hītori o Killarney Capital Limited
Ko Killarney Capital Limited tētahi kamupene pūtea rongonui i Aotearoa, e whai mana motuhake ana ki te tuku pūtea mō ngā kaupapa whanaketanga rawa. Kua rēhitatia te kamupene hei NZ Limited Company me te NZBN 9429038665684, me te Tau Kamupene 634969. I whakatūria i te 2 o Whiringa-ā-rangi, 1994, ā, mai i taua wā kua tipu haere hei kaitākaro matua i roto i te rāngai pūtea kore-pēke. Ka tuku pūrongo ā-tau te kamupene, te mea hou i te 6 o Hepetema, 2024, e tohu ana i tōna ū ki ngā whakaritenga ture.
He kamupene tūmataiti a Killarney Capital, ā, ko tōna kamupene pupuri matua ko Tumu Group (NZBN 9429039002976). Ko ngā hea kei ngā whānau nā rātou i whakatū me ngā hinonga e hāngai ana, ko te wāhanga nui rawa (8.58%) kei a Jmos Trustee Limited. I te tau 2010 i whakahōutia ai te ingoa o te kamupene, mai i ngā hinonga pērā i Tumu Finance me Killarney Finance, ki te aro nui ki te pūtea whakawhanaketanga rawa i raro i te maru o Tumu Group. Ko tēnei hītori roa e tohu ana i te mātātupu me te wheako nui o te kamupene i roto i te rāngai pūtea o Aotearoa.
Ko te tauira pakihi a Killarney Capital e arotahi ana ki te tuku pūtea kore-pēke mō te hoko rawa, te whakaritenga i mua i te whanaketanga, te hanga whare, ngā taurewa piriti, te whakahou i ngā pūtea, te whakakaha anō i ngā hanganga mai i te ru, me ngā otinga nama-ōritetanga motuhake. Ko tā rātou mākete matua ko ngā kaiwhakawhanake me ngā kaipupuri moni he kaupapa ā rātou i ngā rohe me ngā tāone nui o Aotearoa, e kore nei e taea e ngā pēke matua te pūtea nā te nui rawa o te tuponotanga, te kore rānei o te auau. E whakanui ana rātou i te tere – ka taea te tuku tikanga tātari i roto i te kotahi ki te rua rā, me te utu i te pūtea i roto i te 24 haora – me te huarahi mahi tahi me ngā kiritaki.
Ko ngā kaiwhakahaere matua o Killarney Capital e mau ana i te wheako whānui. Ko Casey Williams, te Kaiwhakahaere Matua, he tata ki te rua tekau tau tōna wheako i roto i te pēke tauhokohoko, ā, nāna e arahi ngā rautaki me ngā mahi o te kamupene. Ko Richard Blamey, te Kaiwhakahaere Whakawhanaketanga Pakihi, he rua tekau tau tōna wheako i roto i te pēke i te UK me Aotearoa, ā, nāna e arahi ngā hononga kiritaki mai i te tau 2021. I tua atu, he maha atu ngā kaiwhakahaere i tohua i waenga i te tau 1995 me te 2023, tae atu ki a John Daniel O’Sullivan, e tohu ana i te kaha o te ārahitanga o te kamupene.
Ngā Ratonga Taurewa me ngā Tikanga Pūtea
He whānui ngā momo taurewa e tukuna ana e Killarney Capital hei tautoko i ngā momo kaupapa whanaketanga rawa. Kei roto i ngā ratonga matua e whai ake nei:
- Ngā Taurewa i mua i te Whanaketanga: Ka tukuna katoatia tēnei pūtea i te tīmatanga mō te hoko whenua, te whakahou i ngā roherohenga, me ngā mahi tirotiro (due diligence). Ko te wā taurewa ka eke ki te 12 marama.
- Ngā Taurewa Whanaketanga me te Hanga Whare: Ka tukuna tēnei pūtea i runga i ngā wāhanga o te kaupapa, ā, ka taea te whakarite mō ngā kaupapa nohoanga, hokohoko, ahumahi hoki.
- Ngā Taurewa Piriti: He pūtea poto tēnei hei āwhina i te whakatau i ngā wā kati mō te hoko rawa, te whakahou rānei i ngā roherohenga.
- Te Whakahou me te Whakarite Anō i te Pūtea: Kei roto i tēnei ko te whakahou i ngā wā taurewa, te whakawhiti pūtea mai i te hoko ki te hoko anō, me te pūtea mō ngā rawa e toe ana.
- Ngā Otinga Nama-Ōritetanga: Ka tuku tahi hoki te kamupene i te ōritetanga mō ngā kaupapa motuhake kua tohua.
Ka tīmata ngā moni taurewa i te NZD 100,000 mō ngā taurewa i mua i te whanaketanga, ā, ka eke ki te NZD 20 miriona, neke atu rānei mō ngā kaupapa hanga whare nunui, i runga anō i te āhua o te kaupapa. E ai ki ngā reiti tātari, ko ngā reiti huamoni kei waenga i te 10.5% me te 14.0% ia tau (ka taea te whakatika, te rere rānei), i runga anō i te taumata tuponotanga o te kaupapa. Ko te reiti APR (Annual Percentage Rate) kei waenga i te 11.5% me te 15.5%, tae atu ki ngā utu. Heoi anō, ka whakaritea ngā reiti tika mō ia taurewa i muri i te tirotirohanga hohonu, ā, ka arotakehia ngā reiti i ia toru marama.
Ko ngā wā taurewa ka rereke mai i te kotahi marama mō ngā taurewa piriti, ki te 36 marama mō ngā taurewa hanga whare, tae atu hoki ki te 60 marama mō ngā taurewa i mua i te whanaketanga, te whakahou rānei i te pūtea. Ka roa ake pea ngā wā mō ngā hanganga pūtea-ōritetanga. Ko te utu i te pūtea he huamoni-anake i te wā o te hanganga, he tumuaki me te huamoni i runga i ngā utunga, he utu kotahi rānei (bullet), he utu ā-wahanga rānei (amortizing).
He marama te hanganga utu a Killarney Capital. Kei roto i tēnei ko te utu tīmatanga (origination fee) e 1.0% ki te 2.0% o te moni taurewa. He utu whakahaere/tukanga (administration/processing fee) kei waenga i te NZD 1,000 ki te NZD 2,500. Mēnā ka roa te utu, ka utua he 2% ki te 3% o te moni kua roa i ia marama. Ka rereke ngā utu whakarite/nama (arrangement/credit fees), ā, he maha ngā wā ka uru ki roto i te APR. Mo ngā here, ko te tino here ko te mōkete tuatahi i runga i te rawa. Ka hiahiatia pea he debenture mō ngā hinonga rōpū mō ngā taurewa e mau ana i ngā rawa maha, ngā taurangi whaiaro mō ngā kaipupuri-kaiwhakahaere, me te ōritetanga mō ngā taurewa nama-ōritetanga.
Te Tukanga Tono, te Hangarau, me te Ture Whakahaere
Ko te tukanga tono pūtea ki a Killarney Capital he ngāwari, ā, he maha ngā huarahi e taea ai te tono. Ka taea e ngā kiritaki te tono mā te puka pātai i runga i te paetukutuku a te kamupene. Mēnā he pai ki a rātou te huarahi tōtika, ka taea te whakapā atu mā te īmēra, te waea rānei ki te tari i Te Matau-a-Māui. He whai wāhi hoki ki te hui tūturu ki te taumata 1, 24 Porter Drive, Havelock North, ā, ka toro atu hoki rātou ki ngā rohe rereke o Aotearoa ki te whakatau i ngā kiritaki.
I roto i te tukanga KYC (Know Your Customer) me te whakauru kiritaki hou, ka whakamahia e Killarney Capital te Ratonga Whakaū o te Tari Take Ā-roto o Aotearoa ki te whakamana i ngā tuakiri. Ka hiahiatia hoki ngā ture kamupene, ngā rēhita kaipupuri hea, ngā tuhinga AML/CFT (Anti-Money Laundering and Countering Financing of Terrorism), me ngā whakaaturanga mana pupuri whaihua. Ko te aromatawai nama me te pūtea ka arotahi ki te hononga ki te kiritaki, te rekoata o te kaitautoko, te oranga o te kaupapa, te tauira rere moni, me te rautaki putanga. Ka whakamahia hoki ngā aromatawai o waho me ngā tirotirohanga hangarau hohonu.
He maha ngā tikanga utu pūtea e wātea ana: ka tukuna ngā moni mā te whakawhiti pēke ki Aotearoa, mā ngā utunga ā-mahi ki te kaihanga, ki te kaikirimana rānei i runga i te tiwhikete, me ngā whakaritenga escrow mō ngā pūtea i mua i te whanaketanga. Ko ngā mahi kohi me te whakahoki pūtea e hāngai ana ki te tirotiro kaha i ngā wāhanga mahi. Mēnā ka rerekē te mahi, ka whakapā atu wawe te kamupene ki te kiritaki, ā, ka whiriwhiria he otinga. Ki te kore e taea, ka whakahokia te pūtea mā te whakatōnga o ngā here.
Kāore he taupānga pūkoro motuhake a Killarney Capital. Engari, he paetukutuku tō rātou e pai ana mō te pūkoro, e whakarato ana i te tukanga pātai ngāwari me ngā rauemi kaupapa. He pai te whakatauranga o te paetukutuku, 4.7/5 whetū i runga i ngā arotake Google, i runga i te 50+ arotake i te Paenga-whāwhā 2025. Ka kapi e rātou te motu katoa, me te aro nui ki ngā rohe o Aotearoa pērā i Te Matau-a-Māui, Waikato, Te Moana-a-Toi, Te Tai Tokerau, me te kaha hoki mō ngā kaupapa ki Tāmaki Makaurau me Te Whanganui-a-Tara.
E piri ana a Killarney Capital ki ngā ture o Aotearoa. E rēhitatia ana rātou i raro i te Ture Kaiwhakarato Ratonga Pūtea (Rēhitatanga me te Whakatau Tautohe) 2008. Kāore rātou i te rēhitatia hei kaituku pūtea kore-pēke. Ko rātou i raro i te tirotiro a te Tari Take Ā-roto mō te AML/CFT, ā, ka whakamahi i te Ratonga Whakaū mō te whakamana kiritaki. Kāore he whiu tūmatanui, he mahi ture rānei i tukuna ki a rātou i te marama o Hepetema 2025. E ū ana hoki rātou ki te Ture Taurewa Hōkakatanga (Responsible Lending Code), e whakarato ana i ngā tauākī marama, ngā whakaritenga mō te uauatanga, me ngā huarahi whakatau amuamu mā ngā kaupapa whakatau tautohe pūtea.
Te Tūnga ki te Mākete me te Whakataurite ki ngā Kaiwhakataetae
Kei te tū a Killarney Capital ki roto i tētahi mākete whakataetae i Aotearoa, e whakataetae ana ki ngā kamupene pērā i a Liberty, Marac, Coherent, me Allied Nationwide. Heoi anō, ko ngā tino rerekētanga o Killarney Capital ko tō rātou tere ki te tuku pūtea, te ngāwari o ā rātou tikanga, te arotahi ki te hononga ki ngā kiritaki, me tō rātou kaha ki te toro atu ki ngā rohe tuawhenua me ngā rohe o Aotearoa e kore e tautokona nuitia e ngā pēke nunui. Ko tēnei huarahi motuhake ka āhei i a rātou ki te tautoko i ngā kaupapa e rerekē ana, e nui ana hoki te tuponotanga ki ngā pēke auraki.
E kiia ana ko te wahanga o te mākete pūtea rawa kē atu i Aotearoa kei te 5% pea, ā, kei te tipu haere te kamupene i te 20% ia tau mai i te 2020. Kei te tūhura hoki rātou i ngā hononga mahi tahi mō te nama-ōritetanga ki Ahitereiria, ā, kei te whakamātau hoki i te whakauru hangarau fintech mō ngā tono pūtea kia ngāwari ake i mua i te tau 2026. He hononga rautaki ā rātou me ngā kaihokohoko mōkete, ngā kamupene whakangao a-iwi, me ngā kaunihera ā-rohe. Kei te whai hoki rātou i ngā hononga ōritetanga mā te whatunga o Tumu Group.
He pai te wheako o ngā kiritaki ki a Killarney Capital, e ai ki ngā arotake. Kei te 4.7/5 ngā whetū i runga i ngā arotake a Google (58 arotake), me te 4.5/5 whetū i runga i a Trustpilot (32 arotake). Ko ngā whakamoemiti nui e pā ana ki te tere o te whakautu, te maramatanga o ngā mahi, me te tautoko ā-tinana i roto i ngā wā uaua o te kaupapa. Heoi anō, ko ngā amuamu noa e pā ana ki te nui ake o ngā utu ki te whakatairite ki ngā pēke, ngā tuhinga uaua, me te iti o ngā mahi o te tomokanga ipurangi.
Hei tauira, i tautoko a Killarney Capital i tētahi kaupapa wehewehenga whenua i Te Matau-a-Māui me te NZD 8 miriona mō te pūtea i mua i te whanaketanga, i oti i roto i te whā wiki, ā, i hua mai i te tukunga o ngā rota tekau mā rua i roto i te iwa marama. I tukuna anō hoki e rātou he taurewa piriti NZD 3 miriona mō te whakahou i tētahi whare i roto i te tāone nui o Tāmaki Makaurau i te wā o te Aranga, kia taea ai te whakatau i te hoko rawa i te wā tika. He tohu ēnei tauira i te ngāwari me te tere o te kamupene ki te mahi.
He Tohutohu mō ngā Kairēhita me te Whakamahinga Tūpato
Mēnā kei te whakaaro koe ki te tono pūtea mai i Killarney Capital Limited, he mea nui kia whai whakaaro koe ki ētahi tohutohu whaihua kia mārama ai koe ki ngā āhuatanga katoa, ā, kia pōkairua ai tō whakatau. Tuatahi, me mātua mārama koe ki ngā tikanga me ngā herenga o te taurewa. Pānuihia ngā tuhinga katoa, ngā kirimana, me ngā tauākī marama i mua i te haina. Kaua e mangere ki te pātai mēnā he āhuatanga kaore koe i te mārama.
Tuarua, he mea nui te whakataurite i ngā reiti huamoni me ngā utu me ērā o ētahi atu kaituku pūtea i Aotearoa. Ahakoa he tere, he ngāwari hoki a Killarney Capital, he nui ake pea ō rātou reiti i ērā o ngā pēke matua. Kia mārama koe ki ngā utu tīmatanga, ngā utu whakahaere, me ngā utu mō te roa o te utu kia kore ai e ohorere.
Tuatoru, arotakehia te ora o tō kaupapa me te kaha ki te whakahoki i te taurewa. Ko Killarney Capital e arotahi ana ki te hononga me te tātari i te kaha o tō kaupapa, engari kei te takoto tonu te kawenga ki runga i a koe kia tau ai te angitu. Whakaritea he mahere pakihi pakari, me ngā matapae rere moni tōtika, me tētahi rautaki putanga mārama.
Tuawhā, kia mātua kōrero tōtika koe me te kamupene. He mea nui te mārama o te kōrero i roto i te rāngai pūtea, inarā mō ngā taurewa whakawhanaketanga rawa he nui ngā raru. Whakamōhiotia tonu te kamupene mēnā ka puta he huringa ki tō kaupapa, ki tō āhua pūtea rānei. Ko tō rātou huarahi hononga-a-tangata ka whai hua mēnā he marama ngā kōrero.
Ka mutu, kia mahara ko Killarney Capital Limited he kaituku pūtea motuhake e arotahi ana ki ngā kaupapa kaore e taea e ngā pēke auraki te pūtea. He rātou he otinga mō te hunga e hiahia ana ki te tere me te ngāwari, inarā mō ngā kaupapa i ngā rohe o Aotearoa. Ko te manaakitanga me te whanaungatanga he mea nui ki roto i ngā tikanga Māori, ā, he āhuatanga hoki tēnei e kitea ana i roto i te huarahi mahi tahi a Killarney Capital. Mā te whai i ēnei tohutohu, ka taea e koe te whai hua nui mai i ngā ratonga a Killarney Capital Limited me te āta whakahaere i tō haerenga pūtea.
