Invest your Nest Egg with FMT

In an era of economic volatility and market uncertainty, finding investment opportunities that provide consistent returns can be hard to come by.
FMT has managed to achieve this for almost 30 years.
 
INVESTING WITH FMT

Proven Consistent Returns

Our conversative approach to lending means we’ve been able to provide investors with consistent returns for nearly 30 years.

 

Accessibility

Your investment is not made for any fixed term and can normally be withdrawn at any time (although we do encourage you to invest for a minimum of two years or for medium to long term growth outcomes). If you’re retired and needing extra top up income on a regular basis, then our ‘Managing Your Cash in Retirement’ facility was designed with you in mind.

Flexibility

You can start with a minimum of $500 and after that you can make further contributions at any time that suits you (minimum $100 additional investment).

 

Regular Income

Every quarter, we distribute returns into your bank account, or you can choose to have them reinvested back into the fund. You tell us your preference, and we do the rest.

A Team of Specialists

All FMT activities are actively managed by our professional team who know and understand the New Zealand property market and the opportunities on offer.

 

Want to learn more?

View our historical rates and find out more about why over 6,500 New Zealanders choose us to protect & grow their nest eggs.

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Are you in the Bay of Plenty or Waikato?

We've got investor meetings coming up in Matamata, Te Awamutu, Tauranga & Katikati.

This is a great way to learn more about investing with FMT - plus we've got the economist Tony Alexander coming along to present.

Learn More

Benefits of mortgage-backed investments

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 with relatively conservative loan to valuation ratios.

Property-based securities traditionally provide some of the least volatile investments. In addition, we always hold cash investments (liquidity) with New Zealand banks to help ensure cash is available to repay investors when needed.

Spread of risk

By pooling your funds with other investors, your investment is consolidated and spread across cash and the whole mortgage portfolio which gives more diversified exposure to the property market than investing directly in a single property loan.

Our investments are diversified across various property types and locations throughout New Zealand. This geographical spread helps to level out any local economic factors, and it ensures we have a good cross-section of property types in our portfolio.

Investor protection

Investments in the First Mortgage Trust Group Investment Fund are monitored by New Zealand’s oldest independent trustee company, Trustees Executors Ltd, acting under a Trust Deed.

First Mortgage PIE Trust’s supervisor is Public Trust.

Both First Mortgage Trust Group Investment Fund and the First Mortgage PIE Trust have their financial statements audited by KPMG.

Reserve fund

Although our conservative lending policies are consistently and rigorously maintained, we have a reserve fund to help meet possible losses on individual loans.

This fund provides additional peace of mind for investors and generally does not have a material effect on income distributions.

However, if there are a number of loan defaults then the reserve fund may not be enough of a buffer, and this could affect distributions.

Our Funds

Group Investment Fund

The First Mortgage Trust Group Investment Fund (FMT GIF) is a managed investment fund that invests into loans backed by first mortgages over land & buildings, and also invests in cash deposits at registered banks to maintain liquidity.

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Our Funds

PIE Trust Fund

The First Mortgage PIE Trust (PIE Trust) is a managed investment fund that invests into the FMT GIF. There may be tax benefits to investing in a PIE trust fund for some investors.

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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?
              An individual A trust
              Other investor types should seek professional tax advice.
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              Individual

              Is your tax return completed by a tax adviser or accountant?

              Yes No

              Can you reasonably estimate your own annual income?

              Yes No

              What is your total income from all sources (including PIE income)?

              < 48k 48-70k 70-119k > 119k

              YOUR RESULTS

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              Trust

              Do you distribute all annual income to beneficiaries?

              Yes Some income is distributed No distribution

              Do all Trusts beneficiaries earn more than $48K from all sources (including PIE income)?

              Yes No
              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.