Invested in
New Zealand
since 1996

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

For over 27 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

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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 .02 %p.a

Group Investment Fund & PIE Trust*

Annualised pre-tax return

For the quarter ending 30 September 2023. 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.

Learn more

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.

 

INVESTING IN THE FUTURE

FMT Annual Youth Sponsorship Grant

For more than 18 years we have offered an annual 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.

At FMT, it’s important for us to invest in the community we work and live in, and we want to help our next generation of stars!

Sponsorship Details:

  • The successful sponsorship recipient will receive a grant of $3,500 to put towards helping them excel in their chosen field.
  • As part of the sponsorship grant, the successful recipient is to provide up to 3 articles (300 words) plus photos over the sponsorship period, to update our clients on their endeavours and/or achievements.  These articles will be published on our website or in our quarterly newsletter.
  • Applicants to provide a cover letter and personal CV describing themselves, highlighting their ambitions and achievements to date.

Applications closed for 2023

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 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

Featured Articles

20 November 2023

Peace of mind investment made easy

6 October 2023

Growing Your Savings Wisely with Regular Investments

29 September 2023

A note from our CEO – September pre-tax returns of 7.02%

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            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?
              An individual A trust
              Other investor types should seek professional tax advice.
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              Individual

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

              Yes No

              Can you reasonably estimate your own annual income?

              Yes No

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

              < 48k 48-70k 70-119k > 119k

              YOUR RESULTS

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              Trust

              Do you distribute all annual income to beneficiaries?

              Yes Some income is distributed No distribution

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

              Yes No
              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.