We don’t do traditional home loans, but we can help clients with investment related property purchases, residential equity release for projects or business, and/or land purchases for development.
Land & Buildings: up to 75.0% LVR
Sections: up to 70.0% LVR
Leasehold land: up to 50.0% LVR
We can help utilise the equity in existing property by borrowing against completed product to fund further investment or other opportunities. We’ve helped clients release equity to fund a business purchase or provide increased working capital to grow their business.
Land & Buildings: up to 75.0% LVR
Sections: up to 70.0% LVR
We've got local teams across New Zealand who are committed to fostering a real sense of partnership with advisers and clients - we are distinctly different from traditional lending institutions where service can be often regarded as transactional. We pride ourselves on our knowledge, expertise and ‘can do’ approach.
Our reputation in the specialist lending space is built on flexibility and an ease of doing business. We offer interest only and capitalised interest options on many of our loans, extended terms (3 months to 4 years).
We understand that time is money and so we work hard to offer a straightforward service where loan decisions are turned around quickly so that you can either get on with the project - or with finding alternative funding. We promise you that we’ll be prompt in our assessment.
We work hard to keep our interest rates to a minimum, all the while staying true to our investors and their investment objectives too. It’s a fine balance and one we deliver on daily.
We offer a streamlined application process. This, combined with our singular loan funding model, means we can focus on tailoring solutions for you without the distraction of other accounts or facilities that traditional lenders may focus on.
We understand that the exit strategy is a crucial element of the project. This could be the sale of the property, or the loan being refinanced back to a mainstream lender once the desired goal has been achieved. For us it’s simple, we want both the lender and the borrower to win.
Before you start a lending application, we only need to know a few things to start a conversation about a loan:
Please get in touch with one of our business development managers. If you’ve got this information on hand, we can give you a quick indication of whether or not we are the right property finance partner for you.
If not, we know the market and will be able to point you in the right direction.
Contact our Lending Team
“I really value the relationship I have with my BDM at First Mortgage Trust.”
Our lending team are experts in the New Zealand property market. We understand that every situation is different, which is why we work so hard to tailor a solution for you.
Talk to usComplete 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.
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.
