Development / Construction Loans

We can work with clients on any property project from future standalone dwellings, terraced housing, to apartment developments, commercial property developments and more.
We can help you with funding for:
  • Single and multi-residential property development
  • Townhouse developments
  • Apartment development
  • Commercial property development
  • Retail complexes
  • Industrial and development
  • Subdivision development

What we offer?

We can help tailor a solution to your needs with interest-only and capitalised interest loans available. Our BDMs will work with you throughout the entire loan application process. We also have BDMs who are experts in the construction lending field, who can partner with you through the application process and have a good understanding of some of the complexities that may arise.

Being a non-bank, we are flexible and agile, and we understand a speedy turnaround is important, so we aim to have loans settled quickly and if we can’t help, we will let you know quickly, so can seek finance elsewhere.

We have BDMs in Auckland, Tauranga, Wellington and Christchurch and we provide a nationwide service. We offer a local service in these areas and our team have relationships and good understanding of the local area which can really help with the application process.

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

Our team can talk you through the details once the application process starts. Or if you are dealing with a broker or mortgage adviser, we can talk to them.


View our lending criteria
Thumbs up

I’d definitely recommend FMT. Bruce is great, he’s across all the detail.


Mitch, Tauranga

To start borrowing with First Mortgage Trust, you can do any of the below:

1. If you want to 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 our Loan Pack

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.


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
Information Pack

Download an FMT Lending Pack

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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    Download FMT Investor Pack

      Request Physical FMT Investor Pack

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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.


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

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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.