Equity Release

We can help you 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 the business.

How we can help

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
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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.


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.

Request a Lending Pack

Download FMT Lending Pack

    Download FMT Investor Pack

      Request Physical FMT Investor Pack

        Request a Call-back

          Request a Call-back

            Youth Sponsorship Application

              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

              Contact Us

              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.