PPSR registration NZ services for businesses that supply goods, equipment or vehicles on credit. Without a registration you lose priority over your assets if a customer becomes insolvent or fails to pay. Done-for-you, fast and fixed fee.
Includes registration setup, security interest advice and ongoing management option. No hourly billing and no surprise invoices.
The Personal Property Securities Register (PPSR) is New Zealand's public register of security interests in personal property. Registering your interest is fast and inexpensive — but getting the registration wrong can be as costly as not registering at all. An incorrectly classified or lapsed registration can be unenforceable when you need it most.
What's included in your PPSR Registration service
One-off setup $99.95 + GST · Ongoing management $59.95/month + GST. No hourly billing, no hidden costs.
Not every supply arrangement creates a registrable security interest. We confirm what you have, whether it qualifies and the best way to register it before filing anything.
The PPSR requires precise collateral classification. We ensure your registration correctly describes the collateral so it cannot be challenged on a technicality when enforcement matters.
A registered security interest gives you priority over unsecured creditors — and often over later-registered parties. In insolvency this can be the difference between recovering your assets and losing them entirely.
Priority runs from the time of registration. If goods are already with a customer, every day without a registration increases your risk. We file same day.
$99.95 + GST for setup. Optional ongoing management for $59.95/month handles renewals and amendments so your registrations never lapse without warning.
Whether you are registering for the first time, managing an existing portfolio of registrations or dealing with a debtor in liquidation — we explain your position and next steps clearly.
Ownership of goods is not enough to protect you when a customer becomes insolvent. Without a PPSR registration, a liquidator can treat your goods as assets of the debtor's estate — leaving you as an unsecured creditor with little prospect of recovery.
Simple, fast and done for you — from initial assessment to active PPSR registration, same day.
Contact us or buy online. We gather the details we need — what you are registering, who the grantor is and how you want to classify the collateral — to proceed with your registration.
We confirm your security interest qualifies for registration and advise on the correct collateral classification. Getting this right is critical — a misclassification can render your registration void.
We file your financing statement on the New Zealand PPSR. Your priority date is established from the moment of filing. We send you confirmation with your registration number same day.
Opt into our monthly management service and we handle renewals, amendments and discharges for you. No lapsed registrations, no missed expiry dates, no lost priority — for just $59.95/month.
Ready to protect your business assets?
Get started today — $99.95 + GST one-off setup, or $59.95/month ongoing.
The PPSR covers a wide range of personal property — almost any asset that is not land. Understanding what you can register and how to correctly classify your collateral is critical. We assess eligibility as part of every engagement.
The monthly management plan includes a one-off setup fee of $99.95 + GST. Cancel anytime.
Real feedback from NZ business owners who've protected their assets with Margate Group.
I run a small freelance business and needed proper Terms of Trade after a client didn't pay on time. Margate Group made it easy, set me up with clear terms and helped recover the overdue invoice. It took a weight off my shoulders and I'd recommend them to any freelancer wanting things sorted without the big price tag.
As a SME owner, getting the right advice isn't always easy. Margate strike the perfect balance of professional, direct and genuinely caring. From contract negotiations to tricky customer non-payment disputes, they've consistently helped me achieve the right outcome. Highly recommend.
Very thorough, patient with our requirements, and 100% professional. All work was delivered on time and produced the best possible results for us. Highly recommended.
The PPSR is one of the most underused asset protection tools available to NZ businesses. Understanding how it works — and the risks of not using it — can protect you from significant losses.
The Personal Property Securities Register (PPSR) is New Zealand's public online register of security interests in personal property. It is governed by the Personal Property Securities Act 1999 (PPSA). Any person or business with a security interest in personal property — goods, vehicles, equipment, financial assets — can register that interest on the PPSR.
The PPSR matters because it establishes priority. When a debtor becomes insolvent, the order in which creditors are paid is determined by the PPSR, not by who supplied goods first or who has a retention of title clause in their contract. The first creditor to register generally ranks ahead of later-registered creditors — and well ahead of unsecured creditors who never registered at all.
For businesses that supply goods on credit terms — particularly those with retention of title clauses in their terms of trade — PPSR registration is essential. Without it, a liquidator can treat your goods as assets of the debtor's estate, leaving you as an unsecured creditor recovering cents in the dollar, if anything at all.
A Purchase Money Security Interest (PMSI) is a special type of security interest that arises when a seller retains a security interest in goods they have sold and supplied to the buyer, or when a lender finances the acquisition of specific goods. A PMSI gives the holder super-priority — meaning it ranks ahead of even earlier-registered security interests over the same collateral, provided it is registered within the required timeframe.
For goods (other than inventory), a PMSI must be registered before or within 10 business days of the grantor taking possession of the collateral. For inventory, registration must occur before the grantor takes possession. Miss this window and you lose your super-priority status.
This is why PPSR registration should be part of every credit sale transaction — not something you consider after a customer fails to pay. If goods are already in the customer's possession without a registered PMSI, your position is significantly weakened. We advise on PMSI eligibility and ensure your registration is filed in time to preserve your priority.
If your customer is placed in liquidation and you do not have a registered security interest on the PPSR, your goods — even if they are yours under a retention of title clause — will likely vest in the liquidator. The PPSA overrides contractual title provisions in this situation.
As an unsecured creditor in liquidation, you join the queue behind secured creditors, preferential creditors (such as employees) and the costs of liquidation itself. In most SME insolvencies, unsecured creditors recover little or nothing. A timely PPSR registration that predates the insolvency can mean the difference between recovering your assets and writing off the debt entirely.
It is too late to register once a customer has entered liquidation or receivership — the security interest will not take effect in the insolvency. This is why registration needs to happen at the time of supply, not after problems emerge. If you have existing customer relationships where goods are supplied on credit terms and you have not registered, the time to act is now.
A registration on the PPSR can be defective — and therefore unenforceable — for a number of reasons. The most common errors are: incorrect grantor name (using a trading name rather than the registered company name), incorrect or imprecise collateral description, selecting the wrong collateral type, and failure to correctly identify motor vehicles by VIN number where required.
Under the PPSA, a financing statement is ineffective against a third party if it contains a "seriously misleading defect." Courts have found registrations ineffective where the grantor name was wrong or the collateral description was so vague as to not adequately identify the collateral. This is why professional registration matters — the cheapest registration is not the most effective one.
We check grantor details against the Companies Register before filing, select the correct collateral classification for your situation and ensure your financing statement accurately describes your collateral. A correctly registered security interest does not need to be expensive to be reliable.
PPSR registrations are not permanent. A financing statement can be registered for a fixed term — up to five years — or for a longer period where the security agreement so provides. When a registration expires, it is removed from the PPSR and your security interest loses its priority date.
If you re-register after an expiry, your new registration date becomes your priority date. If another creditor registered during the gap, they will have priority over your renewed registration. In practice, this means a lapsed registration can cost you your priority position — even though you supplied goods and had a valid security interest the entire time.
Our ongoing management service tracks your registration expiry dates and manages renewals proactively. You will never lose your priority position due to an overlooked expiry date. For businesses with multiple customer registrations, this is particularly valuable — managing a PPSR portfolio manually is time-consuming and the consequences of missing a renewal can be significant.
No. A retention of title (ROT) clause in your terms of trade creates a security interest — but it does not protect you without a corresponding PPSR registration. The PPSA 1999 governs the priority of all security interests in personal property. Against a liquidator or a creditor with a registered security interest, an unregistered ROT clause provides no protection.
Many business owners believe their terms of trade protect their goods. This is one of the most common and costly misconceptions in commercial practice in New Zealand. While a well-drafted ROT clause is an important starting point, it must be backed by a timely PPSR registration to be effective in insolvency.
If your terms of trade include a retention of title clause and you have not registered on the PPSR, your protection is largely illusory. We can register your interest quickly and advise whether your existing terms of trade are adequate to support the registration — or whether they need to be updated as well. Our Terms of Trade service is available separately if needed.
Protect your assets on the PPSR today
We register your security interest correctly and manage renewals so your priority never lapses. Fast, fixed fee, done for you.
One-off setup for $99.95 + GST — or add ongoing management for $59.95/month.
Get Started Today Buy Now — $99.95 + GSTHonest answers about how the PPSR works and what our service covers.
Can't find what you're looking for?
Ask Us AnythingThe Personal Property Securities Register (PPSR) is New Zealand's public register of security interests in personal property, governed by the Personal Property Securities Act 1999. Registering on the PPSR establishes your priority over other creditors — including a liquidator — in the event a debtor becomes insolvent.
No. A retention of title clause in your terms of trade is a security interest under the PPSA — but it provides no protection against a liquidator or other registered creditors unless it is registered on the PPSR. This is one of the most common misconceptions in NZ commercial practice. An unregistered retention of title clause can leave you as an unsecured creditor in insolvency.
Our PPSR registration service is a fixed one-off setup fee of $99.95 + GST. This covers your security interest assessment, collateral classification and registration filing. We also offer an ongoing management plan for $59.95/month + GST (plus the setup fee) covering renewals, amendments, discharges and ongoing support. No hourly billing.
A Purchase Money Security Interest (PMSI) is a special type of security interest that gives you super-priority over other registered creditors for the specific goods you have supplied. It applies when you retain a security interest in goods you have sold and supplied. For non-inventory goods, a PMSI must be registered within 10 business days of the customer taking possession of the goods to preserve super-priority.
When a PPSR registration expires it is removed from the register and your security interest loses its priority date. If you re-register, your priority runs from the new filing date — any creditor who registered during the gap ranks ahead of you. Our ongoing management service tracks all expiry dates and manages renewals proactively so your registrations never lapse.
The PPSR covers most types of personal property — goods (including inventory, equipment and consumer goods), motor vehicles, crops, livestock, accounts receivable and financial assets. It does not cover interests in land or real property. We advise on the correct collateral classification for your specific situation before filing.
No. Margate Group is a business consultancy, not a law firm. We register security interests on the PPSR and provide guidance on registration, classification and management. We cannot represent clients in court or enforcement proceedings. If you need to enforce your security interest through the courts, you will need to engage a solicitor.
Yes. Our monthly management plan covers existing and new registrations — tracking expiry dates, managing renewals, processing amendments and handling discharges. This is particularly valuable for businesses with multiple customer registrations. We work with clients across New Zealand and all services are available remotely.
Don't let a customer's insolvency wipe out what you are owed. A correctly registered PPSR security interest puts you first in line — protecting your goods, your assets and your cash flow for one low fixed fee.
Get started today
PPSR Registration — $99.95 + GST
Get in touch to discuss your security interest and collateral, or buy directly online and we will follow up to complete your registration same day.
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We are a business consultancy, not a law firm. We cannot represent clients in court proceedings.
