Lending Criteria and Rates - First Mortgage Trust

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Please be advised there is an expected delay in the delivery of statements by both post and email, due to this being the first mail-out from the new Investment Platform. We apologise for the inconvenience. If you have any concerns, please contact us on 0800 321 113.

Competitive Rates

FMT Lending Criteria and Rates

At FMT we are committed to help drive growth and wealth for New Zealanders by partnering with clients to provide finance solutions. Our team understand the industry and sectors and have local knowledge and relationships that can assist in the loan application process.

Limited-Time 7.99% p.a. Lending Rate Special Offer

This special offer provides a compelling opportunity for advisers and borrowers to secure competitive funding in a tight credit market.

With only $100 million in funds available, this offer is focused on quality residential property lending in New Zealand’s main centres.

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Team of experts

For us it's a partnership

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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Lending conditions

What we offer

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.

Competitive Rates

Interest Rates

Our interest rates are between 8.90% and 9.15% per annum, as at 5 May 2025.

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

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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

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.