Invested in
New Zealand
since 1996

For over 25 years we’ve been helping New Zealanders grow their wealth. Today we have over $1.5 billion invested providing consistent returns for our clients and we are the country’s largest first mortgage non-bank lender.

Investing with First Mortgage Trust

Trusted to help New Zealanders grow their wealth

Invest with First Mortgage Trust

We have over 5,900 clients nationwide from $500 starters to high net-worth clients who have trusted us to look after their investments for years.

At FMT, we strive to provide peace of mind investing that helps you achieve your financial goals.

5 .34 %p.a

Group Investment Fund & PIE Trust*

Annualised pre-tax return

For the quarter ending 30 June 2022. Past performance is not a reliable indicator of future performance. Returns are not guaranteed.

*If you have a 30% or higher income tax rate, the First Mortgage PIE Trust could give you a higher after tax return than the First Mortgage Trust Group Investment Fund.

Invest with First Mortgage Trust

Your non-bank mortgage lender

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Looking for property finance?

Start the conversation with FMT, New Zealand’s largest non-bank first mortgage lender.  Since 1996, we’ve helped clients with a diverse range of property finance in the residential, commercial, industrial and retail property sectors in New Zealand.

We have offices in Auckland, Tauranga, Wellington and Christchurch, and our experienced team are solution focused, providing prompt decision-making, and have local knowledge to help you move ahead with confidence.

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Welcome to First Mortgage Trust

At First Mortgage Trust we’ve been helping kiwis generate wealth through investment and property ventures for over 25 years.

We’re proud to play a crucial role for New Zealand, both for our thousands of investors, and as one of the country’s largest non-bank property finance lenders.


Peace of Mind Investing in Retirement

You’ve worked hard for your money, and now it’s time for your money to work hard for you.

We understand you want to invest carefully in your retirement, with the added flexibility of being able to drawdown funds as and when you need them. That’s why we’ve created our Managing your Cash in Retirement facility.

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Tony Alexander – Insights and opinion

Regional Property Insights Reports

Renowned economist and market commentator Tony Alexander provides FMT with regular market updates which are factored into our own research to support our decision-making. Tony also meets with our team every quarter to hear first-hand what’s happening in the market, and to answer any questions we have. Tony’s latest market insight in the regions around New Zealand can be found here.

Read the latest report Subscribe to reports

Read our latest investor newsletter

Each quarter we produce a newsletter with an update from our CEO, Paul Bendall, where he shares our latest quarterly return rate and provides a company update. We also feature insights from renowned economist Tony Alexander and invite other experts to comment on current topics of interest. Regular features include a distribution map profiling our investments by location and type, plus we profile new team members at FMT.

Read our latest newsletter

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              Which type of fund is right for me?

              Complete this questionnaire to see what type of fund might be the most tax effective for your circumstances. Please note, this is just a guide and we recommend you seek professional tax advice.

              Are you investing as an individual or trust?
              Other investor types should seek professional tax advice.


              Is your tax return completed by a tax adviser or accountant?

              Can you reasonably estimate your own annual income?

              What is your total income from all sources (including PIE income)?

              YOUR RESULTS

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              Do you distribute all annual income to beneficiaries?

              Do all Trusts beneficiaries earn more than $48K from all sources (including PIE income)?

              YOUR RESULTS

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              Disclaimer – This tool is intended to provide general guidance only. This tool does not take into account your particular financial situation, objectives or goals.

              There are alternative strategies which may provide better outcomes, we recommend you seek independent advice before making any investment decision. If you have completed this guide and wish to discuss this, we recommend you seek professional tax advice.