Our offices are closed for the holidays December 24th - January 6th.

Investment distribution payments for the December quarter will be made on the 31st December 2024.

Bridging Finance

We can work quickly with you to tailor open-end bridging finance with competitive interest rates to help you fund a new purchase (along with capitalised interest negating debt servicing requirement) for sell down of existing asset.

How we can help

We have helped a range of clients over our 25 years of lending to kiwis, from property developers, builders, investors, business owners to home owners. We understand the need for speed in these situations and we work hard to meet your deadlines.

We can offer bridging finance over:

  • Residential property (including high-value residential homes)
  • Commercial property (including office, industrial, and retail buildings)
  • Land
Helping you succeed

What we offer?

  • Our bridging loans are capitalised interest loans
  • We can tailor a loan to meet your needs and are intended to bridge a gap where increased debt makes servicing strenuous.
  • We can assume security over one or both properties, with lending available against both the property being sold and the property being purchased.
  • We offer competitive interest rates
Talk to us today

What we review and a checklist of documents that we may need to support your application:

  • Fully completed, signed & dated application (including signed Applicant’s & Guarantor’s Agreements)
  • Commentary regarding the purpose of the loan, term required, & intended exit strategy
  • Documentation to support identification & NZ Residency / Citizenship status
  • Verification of income (recent payslips / Employment Agreement / IR3 / signed financials or similar)
  • Registered Valuation (addressed to First Mortgage Custodians Limited)
  • Evidence to support the origin of your contribution to the proposed deal (source of deposit funds etc)
  • Trust Deed(s) – if applicable
  • Sale & Purchase Agreement(s) – if applicable
  • Tenancy Agreement(s) – if applicable
  • Deed(s) of Lease (for tenanted commercial properties) – if applicable
  • Trust Deed(s) – if applicable
  • Sale & Purchase Agreement(s) – if applicable
  • Tenancy Agreement(s) – if applicable
  • Deed(s) of Lease (for tenanted commercial properties) – if applicable

Our team can talk you through the details once the application process starts.

View our lending criteria
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“The relationship with FMT goes beyond transactional.”

 

FMT Client

To borrow with FMT

1. Talk to us

You can either phone or email to talk to our lending team. We can either set up a meeting in our office, or an online meeting. Click here for our team.

2. Download an Application form

Complete the application form and send it to us and one of out team will be in contact.

Click here to download application form.

3. General query

Visit our contact page and get in touch, we will respond to you shortly.

0800 321 113 Contact Us
SPEAK WITH AN EXPERT

Request a call back from our team

A member of our Lending Team can give you a call to discuss any questions you might have about borrowing with FMT.

Request a call back now
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Want to start your application or learn more – request our lending pack and we’ll email a copy to your inbox.

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

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              Can you reasonably estimate your own annual income?

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

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

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              Trust

              Do you distribute all annual income to beneficiaries?

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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.