Case Studies

Equity Release · Auckland

Equity released for business acquisition

Our client identified a time-sensitive opportunity to acquire a business but needed to move quickly. Their main bank was unable to act within the required timeframe. FMT released equity against their existing property to fund the acquisition without the need to sell.

Loan amount	$3.2M
LVR	65%
APR Annual Percentage Rate includes all fees	8.40% p.a.
Loan term	18 months

Development · Canterbury

Dual-dwelling development

Two experienced couples sought funding to build two standalone dwellings on land they owned debt-free. Their main bank required a pre-sale before releasing funds — a condition they couldn't meet. Introduced by a Loan Market adviser, FMT assessed the equity position, product quality and location, and funded construction without a pre-sale requirement.

Loan amount	$1.4M
LVR	57%
APR Annual Percentage Rate includes all fees	9.50% p.a.
Loan term	12 months

Bridging Finance · Auckland

Owner occupied commercial property acquisition

FMT provided an interest only loan to support the client's debt servicing obligations, allowing them to improve their balance sheet before refinancing back to their main bank.

Loan amount	$1,755,000
LVR	65%
Loan term	24 months

Commercial & Industrial · Auckland

Owner occupied industrial building acquisition

Referred by their accountant, FMT identified a quality opportunity in Auckland's industrial zone and moved quickly to provide finance, enabling the transaction to proceed.

Loan amount	$1,600,000
LVR	50%
Loan term	12 months

Residential · Wellington

Renovation project

Funding approved on a capitalised interest basis. The client delivered a renovation which when sold covered all borrowings, leaving a freehold section available for future development.

Loan amount	$380,000
End value	$900,000
Loan term	12 months

Development · Auckland

Social housing units

Broker referred. FMT provided a capitalised interest loan for 20 social housing units leased to government-backed housing providers in an area of critical housing shortage.

Loan amount	$5,115,000
LVR	58%
Loan term	12 months

Commercial & Industrial · Tauranga

Commercial building development

FMT funded a commercial development in a fast-growing area after the client's main bank declined without secured leases in advance. The project completed on time and on budget with significant capital gain achieved.

LVR	65%
Loan term	12 months with rollovers

Development & Construction · Wairarapa

Residential build — inherited part-build

Broker referred. Our superannuitant clients inherited a part-build and needed funding to complete the project. FMT was the only lender to personally visit and assess the security property.

Loan amount	$250,000
LVR	35%
Loan term	12 months

For privacy reasons, the photograph for each case study is indicative of the funded project, not an actual photograph of the project itself.

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Projects we've funded

Equity released for business acquisition

Dual-dwelling development

Owner occupied commercial property acquisition

Owner occupied industrial building acquisition

Renovation project

Social housing units

Commercial building development

Residential build — inherited part-build

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Youth Sponsorship Application

Which type of fund is right for me?

Are you investing as an individual or trust?

Individual

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

Trust

Do you distribute all annual income to beneficiaries?

Do all Trusts beneficiaries earn more than $48K from all sources (including PIE income)?

YOUR RESULTS