WHOLESALE investments
We unlock wholesale investment opportunities for experienced investors seeking stronger returns and greater portfolio growth. Our wholesale funds are built to deliver strong, risk-adjusted performance over the long term.
Looking for current offers? Stay updated about upcoming wholesale opportunities and be first in line when new funds open.
“Investing with Oyster Group has been seamless and rewarding. Their expertise in high-quality commercial properties delivers strong capital growth and solid monthly returns. With expert management, I can 'bottom drawer' my investment, set it and forget it - while reaping the benefits."
Rashid Bharuchi
Wholesale Investor
Our Wholesale Investment Opportunities
Our wholesale investments give qualified investors access to premium commercial property portfolios offering income and growth potential, with a risk profile that is aligned to experienced investors.
What is a Wholesale Investor?
A wholesale investor is an individual or entity that meets certain criteria under New Zealand law – broadly speaking, they have sufficient previous investing experience that means they don’t require disclosure.
Wholesale investors are assumed to be experienced, sophisticated investors who are able to make informed decisions based on their own experience and to seek their own financial advice. As a result, wholesale offers don’t have the same regulatory protections as retail investment offers.
Do You Qualify as a Wholesale Investor?
The following criteria can help determine whether you can participate in offers reserved for wholesale investors. Some people may qualify for all available wholesale offers, while others may qualify on a per-offer basis.
Qualifying for All Wholesale Offers
You may qualify for all wholesale offers if you are:
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This refers to entities whose core business is providing financial services. Examples include registered banks, licensed financial advisers, brokers and fund managers.
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1. You own (or have owned during the previous two-year period) a portfolio of financial products of at least NZD 1million, or
2. During the previous two-year period you’ve carried out transactions to acquire financial products where the total amount payable was at least NZD 1million, or
3. You’ve been employed or engaged in an investment business and participated (to a material extent) in investment decisions for at least 2 years out of the past 10 years.
You have had net assets or turnover of over NZD 5 million for the past two completed financial years.
Certified government agencies automatically qualify.
Qualifying for Specific Wholesale Offers
You may qualify for all wholesale offers if you:
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You will need to demonstrate relevant investment experience.
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A lawyer, accountant, or financial adviser will need to certify that they are satisfied you have been sufficiently advised of the consequences of self-certification, that there is no reason to consider the self-certification incorrect and that no further information or investigation is required.
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How to Become a Wholesale Investor with Oyster
Complete your application
Submit your application along with the required AML and eligibility documents
STEP 3
Review the offer documents
We’ll provide information about the offer for you to review. We are happy to answer any questions you might have as you consider the offer
STEP 2
Talk to our investor team
Start with a conversation so we can understand your goals and guide you through the wholesale investment process
STEP 1
Why Consider Wholesale Investment with Oyster?
Proven expertise and active management
With more than 20 years of performance and hands-on asset management, we focus on delivering strong, risk-adjusted outcomes and sustained long-term value for wholesale investors.
Selective, high-quality assets
We only invest in well-located properties in major cities, with strong tenants and clear potential for long-term growth
Deep market insight
Our team is in daily contact with investors, lenders, industry peers, and tenants - giving us real-time insight into the trends, signals, and data shaping New Zealand’s commercial property market.
Other Investment Options
Availability of wholesale and retail offers change month to month as current investors choose to sell. Email our Investor Team to receive the latest resales to your inbox investor@oystergroup.co.nz
Secondary Market
Oyster’s secondary market offers a way to invest now in established funds that are already generating monthly income. New investors can purchase parcels from existing investors, giving access to commercial property without waiting for a new fund to launch.
Answering your questions about wholesale investments
A retail investor is entitled to certain regulatory protections, including receiving a product disclosure statement for an offer, access to a free independent dispute resolution scheme if things go wrong, and receiving information about an investment’s ongoing performance. Wholesale investors are people or organisations who have sufficient previous investing experience that means they don’t require the same level of protection. In order to be a wholesale investor, you must meet legally prescribed criteria.
The wholesale investor criteria is outlined under the section 'Do You Qualify as a Wholesale Investor?'
If you are unsure you should proceed with caution and talk to a financial adviser before investing in a wholesale offer.Give our Investor Team a call on 09 632 1287 and we can walk you through the options that are available to you. Or email us investor@oystergroup.co.nz
1. Access to exclusive, higher-return opportunities
Wholesale investors can access investments that aren’t available to the general public - often involving larger assets, specialised strategies, or higher-growth potential. These opportunities are designed for experienced investors who understand and are comfortable with taking on a higher level of risk in pursuit of stronger returns.2. Streamlined compliance and faster decision-making
Because wholesale investments require less regulatory disclosure, transactions can move more quickly and efficiently. This allows fund managers to act decisively when attractive opportunities arise, which can enhance performance over time.3. More flexibility in structure and strategy
Wholesale offers can include investment structures, debt levels, and strategies that aren’t typically available in retail funds. This gives fund managers greater scope to tailor investments to market conditions and investor goals.
1. Reduced regulatory protections
Wholesale investments are subject to fewer disclosure requirements. This means investors must rely more heavily on their own experience, due diligence and professional advice2. Higher levels of investment risk
Because wholesale offers often target higher returns, they may involve greater exposure to market fluctuations, debt, or specialised strategies. These approaches can enhance performance but also increase the potential for loss.3. Limited liquidity
Wholesale investments may have longer investment horizons, fewer exit opportunities, or more complex structures. As a result, capital may be tied up for extended periods, and early withdrawal can be difficult or not possible.4. Greater reliance on investor expertise
Wholesale investors are expected to understand and assess the merits and risks of an offer themselves. Without the detailed consumer protections and disclosure regime applicable to retail offers, decision-making depends more heavily on an investor’s own knowledge, experience, and advice.Wholesale funds typically start at NZD 250,000, but can vary depending on the asset.
Enquire about our wholesale investment funds
Have another question about our wholesale investment opportunities? Fill out the form below and we’ll be in touch.
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