Our Business Development Managers (BDMs) take the time to understand your situation and work hard to help you succeed. The BDMs are involved in the whole loan application process so you always have a person to talk to, who will keep you updated on the application process.
We pride ourselves on being a responsible lender and we want the best outcome for our clients and for FMT, and for our investors. With this in mind, if we believe your application is better suited to a mainstream bank or other provider we will communicate this with you.
We lend to a certain level against different categories of property. Loan applications are considered on a case-by-case basis within First Mortgage Trust Lending criteria.
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Residential
Land & Buildings in fee simple: up to 75.0%
Sections in fee simple: up to 70.0%
Leasehold land: up to 50.0%
Commercial/Industrial
Land & Buildings in fee simple: up to 66.7%
Vacant land in fee simple: up to 50.0%
Rural
Land & Buildings in fee simple: up to 60.0%
Vacant land in fee simple: up to 50.0%
If your requirements don’t fit into any of these, we still might be able to help you, contact our team to discuss further.
Our interest rates are between 9.25% and 9.75% per annum, as at 22nd October 2024.
The rate charged will depend on your financial circumstances taking into account:
• how much you want to borrow
• the term of your loan
• your income
• your other financial commitments
• your credit history
• Loan to Value Ratio of security offered
FMT lending criteria and fees apply. Interest rates are subject to change.
To understand the rate that will apply to you, please contact us
Contact our Lending Team
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.
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.