Increase in scam activity

We’re seeing a rise in scams, including fraudulent emails and phone calls pretending to be from First Mortgage Trust and other trusted organisations.

Borrowing from First Mortgage Trust

New Zealand’s largest alternative lender of first mortgages

Bruce Smith, our Strategic Partnership Manager, has been involved in commercial lending for over 40 years and has a nuanced understanding of how to structure deals to deliver good outcomes to our clients.
Contact Me Today

Since 1996, FMT has been providing first-mortgage secured funds throughout New Zealand.

Residential Loans

We don’t do traditional home loans, but we can help clients with investment related property purchases, residential equity release for projects or business, and/or land purchases for development.

Land & Buildings in fee simple: up to 75.0% LVR
Sections in fee simple: up to 70.0% LVR
Leasehold land: up to 50.0% LVR

Development / Construction Loans

We can work with clients on any property project: from subdivisions, future standalone dwellings, terraced housing, to apartment developments, commercial property developments and more.

Land & Buildings in fee simple: up to 66.7% LVR
Vacant land in fee simple: up to 50.0% LVR

Commercial / Industrial Loans

We're experienced in helping with commercial and industrial properties, such as the development of commercial property or industrial units. We can also help to inject capital to assist growth/acquisition, all secured by a registered first mortgage.

Land & Buildings in fee simple: up to 66.7% LVR
Vacant land in fee simple: up to 50.0% LVR

Bridging Finance

We can work quickly with you to tailor open-end bridging finance to help you fund a new purchase (along with capitalised interest negating debt servicing requirements) for sell-down of an existing asset.

Land & Buildings in fee simple: up to 75.0% LVR
Sections in fee simple: up to 70.0% LVR
Leasehold land: up to 50.0% LVR

Workshopping a Loan

What I need to know

I need to know 5 things when we discuss a loan:

  • People Involved
  • Property asset & location
  • Use of funds
  • Loan-to-value ratio
  • Exit Plan

If you know these things give me a call to discuss your funding needs, my contact details are below.

Get in touch

I'm always available to discuss a potential loan. If you're not sure that we're the right fit give me a call to workshop the deal and I'll be able to quickly let you know if we can help, or point you in the right direction to find a funder.

Bay of Plenty / Waikato

Bruce Smith

Strategic Partnership Manager

027 222 8911

Email Bruce

Lawrence Russo

Business Development Manager

027 573 5554

Email Lawrence

Send me an email

Fill out the form and I’ll get back to you as soon as I can.

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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.

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                Other investor types should seek professional tax advice.
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                Trust

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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.