Trusted to help New Zealanders grow their wealth

About First Mortgage Trust

At FMT, we are proud of the integral role we have had in growing the wealth of everyday New Zealanders.  Our award-winning approach has seen us successfully help thousands of borrowers in their property and/or business journey, which in turn has grown the wealth of thousands of investors who have put their trust and confidence in us.

Our values


We care, connect, and collaborate. We respect each other and value our differences. We deliver on our commitments. Together, nothing is impossible.


We do the right things. We take responsibility for our actions. We’re honest, trustworthy and use sound judgement. Making a difference in all we do.


We get it done. We’re open-minded and empowered to make it happen. We recognise our efforts and celebrate our successes. We’re taking it to the next level.

Managed by New Zealanders, for New Zealanders

Since inception in 1996, First Mortgage Trust has focused on two key groups of New Zealanders.

Firstly, we have looked to provide investors with consistent returns based on a conservative and considered investment model.

Secondly, we have focused on first-mortgage property borrowers looking for practical and common-sense non-bank lending facilities that enable them to move ahead.

Today we have over $1.6 billion invested providing consistent returns for New Zealanders. We’re also the country’s largest non-bank lender of first mortgages, supporting property projects and investments.

Established in 1996

We work hard for our clients

Built on a simple, proven model, FMT successfully navigated the GFC and all Covid has thrown at us:

  • We’ve never missed a quarterly interest payment to investors*.
  • Our loan book is over $1.4 billion and continues to grow.

Our Head Office remains in Tauranga with branch offices in Auckland, Christchurch and Wellington.  This geographical spread means we know what is happening in the key economic areas of New Zealand and it makes us accessible to advisers and borrowers at the time and place required.

We’re a successful Kiwi owned business built on solid values. We’re proud to be helping New Zealand and New Zealanders generate wealth. We genuinely care about our clients and work hard to understand their individual circumstances to help provide them with a solid investment option or loan structure to suit their needs.

* Please note: Past performance is not a reliable indicator of future performance.

Our Board of Directors

Managing the requirements of a $1.6 billion plus fund requires experts at all levels of the organisation.

Our highly experienced board of directors provides strong governance and professional leadership across the business.

Board of Directors

Our Leadership Team

We’re proud to be New Zealand owned and operated. Our senior leadership team works collaboratively to guide and implement the strategic and operational goals across the business.

View our Leadership Team

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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?
              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

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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.