Invested in
New Zealand
since 1996

We're an investment fund manager, specialising in investments and property lending.

For nearly 30 years we’ve been helping New Zealanders protect and grow their wealth. Today we have over $1.65 billion in funds under management, providing consistent returns to over 6,500 investors.

Investing with First Mortgage Trust

Proven & trusted to help New Zealanders grow their wealth

Invest with First Mortgage Trust

We have over 6,500 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.

7 .29 %p.a

Group Investment Fund & PIE Trust*

Annualised pre-tax return

For the quarter ending 31 March 2024. 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

Property finance lender of first mortgages

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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 27 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.



We're looking for our 2024 FMT Youth Sponsorship Grant recipient

For nearly 20 years we have offered an annual Youth Sponsorship grant.

We are looking for our next outstanding young individual to be the recipient of our Youth Sponsorship grant. The Sponsorship is open to young people between the ages of 16 and 25 who are excelling in their chosen field at a national and/or international level in the fields of sport, music or the arts.

Sponsorship Details:

  • The successful sponsorship recipient will receive a grant of $3,500 to put towards helping them excel in their chosen field.
  • Applicants to provide a cover letter and personal CV describing themselves, highlighting their ambitions and achievements to date.

If you or someone you know would benefit from this grant, we’d love to hear from them.

To apply or learn more about this opportunity click on the link below.

Learn more

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 some of our sponsorships.

Read Newsletter

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.

Learn more

Download FMT Lending Pack

    Download FMT Investor Pack

      Request Physical FMT Investor Pack

        Request a Call-back

          Request a Call-back

            Youth Sponsorship Application

              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

              Contact Us

              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.