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Borrowing from First Mortgage Trust

Limited time 7.99% p.a. Lending Rate Special Offer

We have just launched a limited-time lending special offering a competitive 7.99% p.a. interest rate, available until 30 June 2025 or until funds are fully allocated.  

This special offer provides a compelling opportunity for advisers and borrowers to secure competitive funding in a tight credit market. 

Contact one of the team

“This is the first time in a long while we’ve released a special rate like this,” says Phil Bennett, Head of Lending at FMT.

“We know advisers and their clients are operating in a tighter lending environment, and we’re proud to bring a solution to the table - but it’s first in, first served.”

Offer Details

With only $100 million in funds available, this offer is focused on quality residential property lending in New Zealand’s main centres.

  • Interest Rate: 7.99% p.a.
  • Loan Term: Minimum 12 months
  • Loan-to-Value Ratio: Less than 55%
  • Loan Type: Residential property lending only (excludes vacant land and completed sections)
  • Interest Servicing: Required (no capitalised interest)
  • Establishment Fee: 1.5% minimum
  • Eligibility: New loans and eligible existing loans due to expire on or before 30 June 2025
  • Settlement Deadline: Settlement by 30 June 2025
  • Location: NZ main centres

This offer is also available to current FMT borrowers with loans due to expire on or before 30 June 2025, provided they meet the criteria and renew for a minimum term of 12 months. 

Contact one of the team

Act Fast – Funds Are Limited

With a finite $100 million funding pool for this offer, we advise you to act quickly to help secure lending at this special rate.

To learn more contact one of our BDMs below.

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 Standard 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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