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8 March 2024

Discover the Ease of First Mortgage Trust’s Investment Approach

Are you searching for an investment that offers peace of mind and requires minimal effort?

Look no further than First Mortgage Trust.
At First Mortgage Trust (FMT), our proven investment model is easy to understand, simple to get started, and our funds are backed by over 1,200 quality properties across New Zealand.
> How does FMT work?

FMT is a pooled managed investment scheme. This means that your investment is pooled with those of thousands of other investors. Then, through careful due diligence and numerous checks and balances, we lend out those funds, securing them against first mortgages on quality properties located across New Zealand. We also hold cash investments for liquidity.

Interest generated from our loan portfolio is distributed quarterly to our investors, after fees, expenses, and taxes are deducted, providing a steady and reliable income stream.


> A Legacy of Trust and Growth

Since 1996, FMT has been at the forefront of active investment management. Our growth, including the establishment of offices in key  locations across NZ, ensures we stay attuned to the local markets. Prioritising investor interests, our lending team maintains a conversative approach to risk.

This disciplined strategy has been fundamental to our success for over 28 years, and is proudly reflected in our record of zero investor capital losses – a testament to our commitment to safeguarding your investment.


> Real People, Real Connections

Our investors tell us they love our approachability and transparency. We are always  reachable via phone and email, and provide regular updates through quarterly newsletters and annual investor meetings.

This personal touch sets us apart and ensures you are always well informed.


>Making Investment Accessible

Our goal is to make investing with us straightforward, with no large initial investment required. Starting with as little as $500, you can become part of our investor community. Additional funds can be added at any time, and your funds aren’t locked in for a fixed period, although we recommend a minimum investment duration of two years.


> Proudly Kiwi, Through and Through

Our operations are New Zealand based. By investing with us you are investing in a fund that delivers a conservative investment strategy and consistent investment returns, and you’re also helping to provide property finance that supports local people, communities and businesses.


> Your investment makes a real difference right here at home.

Want to learn more about investing with First Mortgage Trust – talk to our friendly team today 0800 321 113.

Why invest with us?

We know risk is a major consideration when deciding where to invest. With FMT our investments are backed by first mortgages over land and buildings. Property-based securities traditionally provide some of the least volatile investments. In addition, the funds always hold cash investments (liquidity) with New Zealand banks to help ensure cash is available to repay investors when needed.

Learn more about investing with FMT

Download FMT Lending Pack

    Download FMT Investor Pack

      Request Physical FMT Investor Pack

        Request a Call-back

          Request a Call-back

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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.


              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)?

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              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.