New Zealand’s Largest Non-Bank Mortgage Lender

BORROW WITH FMT

New Zealand's largest specialist lender - here to help you move ahead.

Whether you’re developing, investing or bridging, our experienced local teams provide flexible finance tailored to your project.

Talk to a BDM today

From 6 months

Flexible loan terms

$250K – $100M

Flexible loan amounts

30 years

Lending experience in NZ

4 offices

AKL · TGA · WLG · CHC

OUR LENDING PRODUCTS

A loan for every property project

Residential Investment Loans

Investment property purchases and land for development. Not owner-occupied home loans or CCCFA regulated lending.

Typical use: Purchasing a rental property or land for a future development.

Max LVRLand & Buildings: 75% | Sections: 70% | Leasehold: 50%

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Development & Construction Loans

From subdivisions and standalone dwellings to apartments and commercial developments — land acquisition through to completion.

Typical use: Funding a multi-lot subdivision or new residential build project.

Max LVRLand & Buildings: 66.7% | Vacant land: 50%

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Commercial & Industrial Loans

Development or investment loans for commercial and industrial property — pre-leased, leasing up, or held as a long-term investment.

Typical use: Developing a warehouse or retail unit to sell or lease.

Max LVRLand & Buildings: 66.7% | Vacant land: 50%

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Bridging Finance

Open-end bridging to fund a new purchase while selling an existing asset. Capitalised interest removes debt servicing requirements.

Typical use: Buying before you sell — without the pressure of two mortgages.

Max LVRLand & Buildings: 75% | Sections: 70% | Leasehold: 50%

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Equity Release

Unlock equity in existing property to fund further investment, a business purchase, or increase working capital — without selling.

Typical use: Using property equity to fund a business acquisition or growth capital.

Max LVRLand & Buildings: 75% | Sections: 70%

Learn more →

THE FMT DIFFERENCE

Why borrowers choose FMT

Local teams, real relationships

We have offices in Auckland, Tauranga, Wellington and Christchurch. Our BDMs are committed to building genuine partnerships with advisers and customers.

Fast, flexible decisions

Time is money. We work hard to offer a straightforward service where loan decisions are turned around quickly.

We understand your exit

The exit strategy is a crucial part of every loan. Whether it's a sale of the property or a refinance back to a mainstream lender, we structure around your end goal. We want both sides to win — every time.

“FMT made the entire process incredibly easy to navigate, and the team’s professionalism has stood out at every step,”

Broker at Loan Market Agile

Getting started

We only need to know a few things to start a conversation about a loan:

People involved
Property information – location, value estimate
Lending required
Use of funds
Exit plan

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.

Talk to a BDM today

CASE STUDIES

Projects we've helped fund

Equity released for business acquisition

Equity Release · Auckland

Equity release for construction

The borrowers had a complex income structure that fell outside mainstream lender policy. Referred by a mortgage adviser, FMT took a pragmatic approach, using the borrowers' savings to satisfy servicing requirements. This flexibility allowed the transaction to proceed, providing the funds needed to complete the build.

Loan amount	$3.2M
LVR	65%
APR Annual Percentage Rate includes all fees	8.40% p.a.
Loan term	18 months

Development · Canterbury

Dual-dwelling development

Two experienced couples sought funding to build two standalone dwellings on land they owned debt-free. Their main bank required a pre-sale before releasing funds, which they didn't have. Introduced by a Loan Market adviser, FMT assessed the equity position, product quality and location, and funded construction without a pre-sale requirement.

Loan amount	$1.4M
LVR	57%
APR Annual Percentage Rate includes all fees	9.50% p.a.
Loan term	12 months

View all case studies

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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

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

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.