Investing with FMT

Am I a Wholesale or Retail Investor?

Our recently launched First Mortage Trust (FMT) Wholesale Fund is available to wholesale investors only. We have provided information on who qualifies as a wholesale investor below.
If you do not qualify as a wholesale investor, you are considered a retail investor. The FMT Group Investment Fund and First Mortgage PIE Trust are both retail investment offerings, available to retail investors.

To Qualify as a Wholesale Investor for the FMT Wholesale Fund

You must meet the criteria set out in clause 3(2) or 3(3)(a) of Schedule 1 of the Financial Markets Conduct Act 2013.

Broadly speaking wholesale investors have fewer protections because they are presumed to have the capability to assess the risks and merits of an investment without needing as much regulatory oversight.

Retail investors have more protections; financial products offered to them must meet stricter disclosure and conduct requirements which are designed to help investors make an informed decision.

Advantages For

Retail Investors

Investing in the FMT GIF or PIE Trust:

  • $500 minimum investment
  • Flexibility, no fixed term
  • Consistent return
Advantages For

Wholesale Investors

Investing in the FMT Wholesale Fund:

  • $500,000 minimum investment
  • Two-year minimum term
  • Bonus return, depending on amount invested
Wholesale Investors

Who Qualifies?

Wondering if you qualify as a wholesale investor for the purposes of the FMT Wholesale Fund?

Please use this flow chart to help inform your decision.

Are You a Wholesale Investor Flow Chart
Wholesale Investors

Who Qualifies?

You may also qualify if you have experience acquiring or disposing of financial products that enables you to adequately assess the offer.

This means you would need to provide an Eligible Investor Certificate as well as a written confirmation from a third-party professional to certify that you understand the consequences of the certification. 

This professional could be a financial adviser, a qualified statutory accountant or a lawyer. 

If you believe you qualify under this exemption, please consult a professional to ensure you understand the implications of investing in the FMT Wholesale Fund before applying.

Want to Express Your Interest?

Initially we're only inviting existing FMT investors (who qualify as wholesale investors) to apply for the FMT Wholesale Fund.

If you'd like to express your interest in applying, please do so by clicking the button below and we'll contact you with more information. An expression of interest does not commit you to invest.

Express Your Interest

No PDS is required to be made available for the FMT Wholesale Fund, however an Investment Memorandum is available on expression of interest.

Disclaimer: This information is of a general nature and is not financial advice. We strongly recommend that you talk to your financial adviser to determine if investing in the FMT Wholesale Fund is right for you. We do not provide financial advice.

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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.