Residential Loans

We don’t do traditional home loans, but as a non-bank lender we can help clients with investment property purchases, residential house and / or land purchases.
We can help you with funding for:
  • Residential standalone house
  • Townhouses
  • Apartments and multi-unit apartments

What we offer

We can tailor a solution to meet your needs with interest-only and capitalised interest loans available, and our experienced BDMs will work with you throughout the entire loan application process.

Being a specialist lender, we can be flexible and agile, and we understand a speedy turnaround is important, so we aim to have loans settled as soon as possible. If we’re not the right funder for the project we will let you know quickly to so can seek finance elsewhere.

Getting Started

Before you start a lending application, we only need to know a few things to start a conversation about a loan:

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

Please get in touch with one of our BDMs 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 are the right property finance partner for you.

If not, we know the market and will be able to point you in the right direction.

Contact our Lending Team

Residential Loan Applications

What we review and a checklist of documents that we may need to support your application:

  • Fully completed, signed & dated application (including signed Applicant’s & Guarantor’s Agreements)
  • Commentary regarding the purpose of the loan, term required, & intended exit strategy
  • Documentation to support identification & NZ Residency / Citizenship status
  • Verification of income (recent payslips / Employment Agreement / IR3 / signed financials or similar)
  • Registered Valuation (addressed to First Mortgage Custodians Limited)
  • Evidence to support the origin of your contribution to the proposed deal (source of deposit funds etc)
  • Trust Deed(s) – if applicable
  • Sale & Purchase Agreement(s) – if applicable
  • Tenancy Agreement(s) – if applicable
  • Deed(s) of Lease (for tenanted commercial properties) – if applicable

Our team can talk you through the details once the application process starts. Or if you are dealing with a broker or mortgage adviser, we can talk to them.

View our Lending Criteria and Rates
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“FMT is so different in that they are more face-to-face, grassroots, and they take into account all of the dynamics of lending, giving equal importance and consideration to each.

They want to know about you as a person, they want to know about your project and they want to know about your history in terms of lending and repaying what you owe.  They come to your project with a ‘can do’ attitude and look to help you as much as they can, all within the rules under which they operate.”

Shannon, Tauranga

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