Borrowing from First Mortgage Trust

New Zealand’s largest alternative lender of first mortgages

Since 1996, we’ve been providing first-mortgage secured funds to enable commercial, industrial, retail, residential and rural property investments and developments throughout New Zealand.
Our experienced team is solution focused, providing prompt decisions so you can move ahead with confidence.
Contact one of the team Our lending products
Workshopping a Loan

What we need to know

In lieu of a full broker application, we only need to know a few things to start a conversation about a deal:

  • People Involved
  • Property Information – Location, Value Estimate
  • Lending required
  • Use of funds
  • Exit Plan

Please get in touch with one of our team to discuss a potential loan.

If you’ve got this information on hand, we can give you a quick indication of whether or not we can proceed further with the loan.

Contact one of the team

Our Lending Products

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: up to 75.0% LVR
Sections: 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: up to 66.7% LVR
Vacant land: up to 50.0% LVR

Commercial / Industrial Loans

We're experienced in commercial and industrial loans, such as the development of commercial property or industrial units, either pre-leased, to be leased up and sold, or held as a long-term investment.

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

Bridging Finance

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

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

Equity Release

We can help 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 their business.

Land & Buildings: up to 75.0% LVR
Sections: up to 70.0% LVR

 

Auckland

Jono Singh

Business Development Manager

027 522 6606

Email Jono

Geoff Allen

Business Development Manager

027 544 0011

Email Geoff

Cameron McLachlan

Business Development Manager

027 544 5569

Email Cameron

Caroline Olagues

Business Development Manager

027 544 5590

Email Caroline

Jacob Sun

Business Development Manager

027 544 0024

Email Jacob

Bay of Plenty / Waikato

Bruce Smith

Strategic Partnership Manager

027 222 8911

Email Bruce

Lawrence Russo

Business Development Manager

027 573 5554

Email Lawrence

Lower North Island

Aaron Taylor

Business Development Manager

027 544 5561

Email Aaron

South Island

George Wheelans

Business Development Manager

027 544 5513

Email George

Sam Oughton

Business Development Manager

027 222 8711

Email Sam

Get in touch

Fill in the form below and one of our lending team will be in contact with you shortly.

    Competitive Rates

    Our Lending Criteria and Rates

    Being an alternative lender means we’re not tied to the OCR in the same way that the banks are. However, our rates are still competitive.

    To get the most up to date information give me a call and we can discuss how FMT might be able to help with your next project. Loan applications are considered on a case-by-case basis within First Mortgage Trust Lending criteria.

    View Lending Criteria and Rates

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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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                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

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                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

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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.