Residential Loans

We don’t do traditional home loans, but as a non-bank lender we can help clients with investment property purchases, residential house and / or land purchases.
We can help you with funding for:
  • Residential standalone house
  • Townhouses
  • Apartments and multi-unit apartments

What we offer?

We can tailor a solution to meet your needs with interest-only and capitalised interest loans available, and our experienced BDMs will work with you throughout the entire loan application process.

Being a non-bank, we can be 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 asap to so can seek finance elsewhere.

We have a nationwide service, as we have grown over the years, we have expanded our offices to Auckland, Tauranga, Wellington and Christchurch. Our BDMs and team have relationships and good understanding of the local areas as well as providing finance throughout the whole of New Zealand.

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 and Rates
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“FMT is so different in that they are more face-to-face grassroots and they take into account all of the dynamics of lending, giving equal importance and consideration to each.

They want to know about you as a person, they want to know about your project and they want to know about your history in terms of lending and repaying what you owe.  They come to your project with a ‘can do’ attitude and look to help you as much as they can, all within the rules under which they operate.”

Shannon, Tauranga

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

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            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.


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              Can you reasonably estimate your own annual income?

              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.