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Proven nationwide locations.
Premium facilities. Attractive returns.

Stable capital, steady income. Invest in our proven track record.


Our goal: to deliver a steady attractive income return, by lending to carefully selected senior living assets.

Applying the management team experience and involvement in senior living communities throughout the country, Senior Trust carefully selects the senior living facilities the Income Generator lends to through mortgage secured loans.

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Invest with us for superior income generation

Our investors choose us because we offer a steady income and stable capital value. Many have been investing in the senior living sector for years and have reached a life stage where they need a reliable steady income stream and the peace of mind knowing their investment is backed by mortgages secured over quality senior living assets.

Returns you can expect from investing with us

The Income Generator distribution currently set at a targeted rate of 8%pa pre-tax* is regularly reviewed by the directors to ensure it remains attractive.


We have a long history of delivering steady attractive returns by lending to rigorously selected senior living facilities and aged care facilities.


We intend to maintain the history of superior returns and deliver regular PIE taxed quarterly income distributions to investors.

*from 1 April 2024

Income Generator

Income Generator - A proven investment strategy

Utilising over two decades of experience delivering reliable returns. This is how it works:


Investors entrust their capital with Senior Trust.


Strict lending criteria used, to select premium facilities to fund.


Lending approved and secured by bricks and mortar mortgages.


Interest earned on lending return.


Income paid to investors or reinvested to earn compounding returns.

The Manager - Senior Trust Management Ltd (STML)


A track record of delivering attractive returns to investors

We intend to maintain the history of superior returns and deliver regular PIE taxed quarterly income distributions to investors, as illustrated in the graph below.

Most commonly asked questions:

What are the tax implications?

Can I reinvest my Distribution to earn compounding returns?

What is the minimum investment to get started?

What if I need my money back?

Our lending policy

Strict lending criteria developed over the past two decades, protects our investors’ returns, while contributing to quality senior living housing stock.

75% limit

Our conservative approach limits lending to any one senior living facility to a maximum of 75% of the independent registered valuation.

Committed borrowers

We select only capable, experienced operators with a substantial financial commitment.

Proven demographic demand

Our extensive due diligence ensures the location of the property shows proven demographic demand.


Protection of investor return is paramount – we offer the security and tangibility of bricks & mortar investment.

We have the ability to provide continuity of funding long-term.
If you have a lending requirement and fit this criteria, please get in touch to discuss.

Our Lending Policy

Our lending portfolio

Lending to high quality senior living and aged care facilities, in demographically-driven locations from Kerikeri to Wanaka.

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Lending Portfolio
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"I have been an investor with Senior Trust for many years. I recently needed money urgently to buy a car and was able to do so quickly and efficiently using the Income Generator buy back facility."

David, Horowhenua

1. Get more information

2. Becoming a new investor is easy

3. Add to my investment

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