First mortgage finance is a loan secured against property, and which has priority over other amounts secured against that property.

No, we do not offer second mortgages. However, we are open to talking through your situation to see if we can help you with a solution. If we can’t help, we can recommend others who may be able to help you.

Our minimum loan is $150,000 and our maximum is $15,000,000.

Click here to learn more about our lending criteria.

Pick up the phone and talk to our team, or download a pack and we can start the conversation.

We offer a range of different loans. We provide residential loans (that don’t involve consumer lending), commercial / industrial loans, development / construction loans, investor loans, equity finance and bridging finance loans. All loans need to be secured by property on a first mortgage.

We lend to a certain level against different categories of property. Loan applications are considered on a case by case basis within First Mortgage Trust Lending criteria.

Click here to view our Loan Criteria

No, we don’t do consumer lending. So we don’t do traditional 30 year mortgages, car loans, etc.

While First Mortgage Trust has a small number of pre-existing consumer loans, it is no longer in the business of providing such loans. Accordingly, our suite of consumer loan documents is no longer included on our website. If you have any queries around an existing loan, please contact us on 0800 321 113.

The rate charged will depend on your financial circumstances taking into account, how much you want to borrow, the term of your loan, your income, your other financial commitments, your credit history, and the Loan to Value Ratio of security offered.

To view our rates: Lending Criteria and Rates

We will always do our best to offer you the best interest rate possible.

Our loans’ terms range from 3 months to 4 years and we can also provide loan extensions.

We have offices in Auckland, Tauranga, Wellington and Christchurch. Our team possess local knowledge and experience to help in all areas of property investment and development, complemented by specialists in the areas of accounting, law, financial services and property lending. This means we have the skills on hand when we need them, and we can speak your language when we are looking at how we can assist you.

We are realistic and would rather hear from you, than not. During Covid, we were very proactive with advisers and clients, initiating conversations with the offer of loan extensions and capitalised interest relief where required. It’s this personalised approach and our team taking the time to understand our client’s individual financial position that sets us apart from traditional lending organisations.

Yes, we would welcome an inquiry from your adviser. Many will know of FMT and our lending requirements already thanks to the proactive involvement we have had in the industry over many years.

Yes, you are correct. We do run one-on-one and group training sessions with advisers, upskilling them and their staff about non-bank lending and how to tailor applications to improve turnaround times. We also constantly update advisers on the market and the types of creditworthy opportunities we are keen to progress. Contact us to talk about this further.