• Home
  • Our long track record of delivering consistent returns

18 April 2023

Our long track record of delivering consistent returns

We asked Sam Burgess, Head of Lending, questions around the lending side of the business.

How is FMT different from other non-bank lenders?

Firstly, FMT has an established team of Business Development Managers (BDMs) located throughout NZ. This geographic coverage sets us apart from other non­ bank property financiers and allows us a greater level of knowledge of the areas in which lend to.

Another point of difference is our experienced lending team. Our BDMs possess extensive experience in both non-bank and traditional lending markets, which enables them to make informed lending decisions based on their market knowledge.

How does FMT assess and manage risk, and what steps are taken to protect investors’ capital?
As an active manager we are continuously monitoring our loan book and where we see emerging risks in the market, we adjust quickly. This sets us apart from the main banks who are often more reactionary and slower to move.

At a transaction level, our front-line team is supported by a dedicated credit resource and every loan application is reviewed by a credit manager. This segregation of duties reinforces our commitment to quality decision-making.

Not only do we constantly monitor and report internally, but our performance is also scrutinised by independent third parties as we are supervised by Trustees Executors Ltd and Public Trust.

What’s your outlook on the non-bank sector?
There is an ever-increasing need for a robust non-bank market, this is particularly evident as main banks have become more cumbersome in their approach to lending. This is not to say that non-bank lenders like FMT have a greater risk profile, we simply operate with the freedom and resource to make quality pragmatic lending decisions.

While non-bank lending is expanding as a sector it represents a small portion of the total overall lending in New Zealand. Countries such as Australia, the UK and the US are serviced by much larger non-bank markets, showing the potential for growth in New Zealand.


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

            Youth Sponsorship Application

              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)?

              YOUR RESULTS

              Contact Us



              Do you distribute all annual income to beneficiaries?

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

              YOUR RESULTS

              Contact Us

              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.