Finance for the future you're building.
Mortgage advisers and finance experts for first home buyers, property investors, developers and businesses across New Zealand. Tell us what you're building. We find the lending that makes it happen, deal with the lenders for you and stay with you long after settlement.
Thirty seconds now, then an adviser who knows which lenders suit your situation calls you back. No credit check, and your details stay private. Or call 09 280 7555.
- Licensed financial advice provider
- Helping New Zealanders borrow for good, with confidence, since 2014
- Lenders compared for you, so you apply once, to the right one
- How we're paid
Six areas of expertise
From your first home to your next big project
01
First home buyers
From "could we?" to keys in hand. We arrange the loan, guide you on the property and line up the specialists, so your first home feels certain, not stressful.
Start your first home plan02
Investments
Buy the next one with confidence. We structure your lending so today's equity funds tomorrow's property, and each purchase sets up the next.
- Rental property loans
- Top-ups and renovations
- Refinancing and switching
- Interest only vs principal and interest
03
Development projects
Funded in the right order, from feasibility to final sale. We know how development lenders think, so your project keeps moving, from a single build to multi-unit sites.
- Property development finance
- Building and construction loans
- Builder and spec build finance
- Land and subdivision finance
- Residual stock loans
04
Commercial
The right structure for the building you're buying, built around the rent or earnings that pay for it: offices, retail, industrial and mixed-use, for owner-occupiers and investors.
Commercial property loans05
Business funding
Funding shaped to how your business earns, so growth doesn't wait for cash flow: loans to buy, start or grow, working capital and equipment finance.
Business loans06
Debt restructuring
Breathing room, arranged before deadlines bite. We reshape your facilities, or combine personal debts into one repayment, so the business keeps trading and you sleep at night.
Debt restructuringWhat we do
Your loan, your cover and your KiwiSaver, in one place
Lending
Loans for your home, property and business
Whatever you're building, from a first home to a development or a growing business, we find the lender and the structure that fit, from the major banks to specialist non-bank lenders, and shape the loan around your plans.
Explore lending optionsInsurance
Cover for your health, income and family
Protect what you're building. We advise on life, trauma, income protection, disability and health insurance, so your mortgage and the people who rely on you are looked after if something unexpected happens.
Personal insuranceKiwiSaver
Your KiwiSaver towards your first home
We plan the KiwiSaver side of your first home with you: what you can use towards the deposit, how lenders count it, and a withdrawal timed so the money is there on settlement day.
Start your first home planQuick enquiry
Tell us the basics. We'll take it from there.
Every situation is different, so the right answer is worked out for you, not looked up. Leave a few details and an adviser contacts you to map the way forward.
- Takes about 30 seconds
- Leave your details with confidence: no credit check, and they stay private
- An adviser works through your numbers with you
- Home, commercial, construction, development, business and personal lending
Rather talk now? Call 09 280 7555
Want answers on your first call? Share your situation privately
First home buyers
Your first home, with one team behind you
From "could we?" to keys in hand. We arrange your loan in-house, give you general guidance on the property and line up independent specialists when you need them, so your first home feels certain, not stressful.
- Low-deposit routes: First Home Loan, new builds, KiwiSaver and family help
- Guidance on what to check before you make an offer
- Building reports, independent legal advice, valuations, and renovation or development reports, arranged for you
- One adviser from your first savings plan to settlement day
Investments
Lending that helps your property portfolio grow
Buying a rental, using the equity in your home or refinancing to free up your next deposit: we structure the lending so today's equity funds tomorrow's property, and each purchase sets up the next.
- Rental property loans, usually with a 30% deposit
- Equity release and top-ups to fund your next purchase
- Interest only and principal and interest compared in real dollars
- Loans structured across lenders to keep your options open
We arrange the lending. We don't give advice on which investments to buy.
Development projects
From feasibility to final sale
Development finance is won or lost on the numbers, and we know how development lenders think. We test your feasibility, structure senior and mezzanine funding, and stay with the project through every drawdown, so it keeps moving.
- FeasibilityCosts, end value and margin
- StructureSenior debt, mezzanine, equity
- DrawdownsCertified as you build
- CompletionSales or residual stock
Commercial
Commercial property, structured around cash flow
Buying premises, refinancing a tenanted building or releasing equity: we find the right structure for the building, built around the rent or earnings that pay for it, with interest cover and loan-to-value modelled before anything goes to a lender.
- Offices, retail, industrial and mixed-use property
- For owner-occupiers and investors
- Options from the major banks to specialist non-bank lenders
- Reviews and refinancing planned well before facilities expire
Business funding
Funding to buy, start or grow a business
Buying a business, smoothing out cash flow or investing in equipment: we shape the funding to how your business earns and present it the way lenders want to see it, so growth doesn't wait for cash flow.
- Loans to buy, start or grow a business
- Working capital: overdrafts, revolving credit and invoice finance
- Equipment, vehicle and asset finance
- Financials, forecasts and security prepared for the lender
Debt restructuring
Restructure early, while you have options
Facilities due for renewal, a lender review or repayments that no longer fit: we review every facility, model the options and take the case to lenders before deadlines bite, so the business keeps trading and you can breathe again.
- Consolidate, extend or move commercial facilities
- Refinance out of short-term or high-cost debt
- Personal debts combined into one repayment
- Help talking to your lender early
Tools that show the maths
Run any plan, however ambitious
From a first borrowing estimate to a development feasibility or a commercial interest cover test, our calculators show what each choice really costs.
How it works
From first question to settlement and beyond
Talk it through
Tell us what you want to buy, build or fix. We work out what's possible and which lenders suit, before anything is applied for.
Compare options
Rates, fees, cashbacks and structure, side by side, with the total cost over time.
Apply and settle
We prepare the application, gather documents with you and see it through to settlement day.
Stay on track
We check in before each fixed rate ends and whenever your plans change.
Adviser or bank?
Why borrowers use a mortgage adviser
Going straight to your bank is simple. Here's what changes when an adviser is on your side.
| Comparison | Going direct to one bank | With Mutual Trust |
|---|---|---|
| Choice | That bank's loans | Options from the major banks to specialist non-bank lenders |
| Who works for you | The bank's own staff | An adviser who is legally required to put your interests first |
| Structure | That bank's options | Fixed, floating and split structures compared across lenders |
| The application | You prepare and manage it | We prepare it, present it and deal with the lender's questions |
| After settlement | The bank offers its own refix rates | We review options across lenders before each refix |
| Cost to you | No advice fee | Lenders pay us commission. Any fee is case by case and agreed with you up front. How we're paid |
With you after settlement
We don't wait to be asked
The best advice arrives before you need it. Once your loan settles, we keep watch.
- Refix check-ins: we contact you before each fixed rate ends, with options across lenders
- Loan reviews: a fresh look when your income, family or plans change
- Support if things get hard: we look at restructuring with you and talk to your lender, early. Financial hardship help
Insights
Know what the lender knows
How lenders work out how much you can borrow
Lenders start with your income, take off tax, living costs and the repayments on any other debts, and see what's left. Then they work out the largest…
Read the guideCommercial · 1 min readRestructuring commercial debt: act before the deadline
The best time to restructure is before you have to. Early signs include a facility expiring within a year, an annual review with new conditions,…
Read the guideDevelopment · 2 min readHow development finance works
Every development loan starts with the feasibility: what the project will cost in total, what it will be worth on completion, and the margin in…
Read the guideFinancial News
Smart money updates, without the jargon
Short, useful updates from our advisers: lending rule changes explained, first home tips, when to think about refixing, and what's moving in property and business finance. By email or WhatsApp, whichever suits you.
- Short and practical, a couple of minutes to read
- Plain English, no sales pitch
- Unsubscribe any time
Built to rise together
Mutual means we win when you do
Our mark is two arches standing shoulder to shoulder: you and us. The right one reaches higher, because the point is always your next goal. The doorway between them is where trust lives and the next opportunity opens.