Finance for the future you're building.
For first home buyers, property investors, developers and businesses across New Zealand. We compare lenders, explain every number, line up the specialists you need and stay with you long after settlement.
Six areas of expertise
From your first home to your next big project
01
First home buyers
Your loan arranged in-house, general guidance on the property, and independent specialists lined up when you need them.
Start your first home plan02
Investments
Lending for rental and investment property: buying, refinancing and using your equity to fund the next purchase.
- Rental property loans
- Top-ups and renovations
- Refinancing and switching
- Interest only vs principal and interest
03
Development projects
From a single build to multi-unit projects: land, construction, development and residual stock finance, from feasibility to final sale.
- Property development finance
- Building and construction loans
- Builder and spec build finance
- Land and subdivision finance
- Residual stock loans
04
Commercial
Offices, retail, industrial and mixed-use property for owner-occupiers and investors, structured around the rent or earnings that repay it.
Commercial property loans05
Business funding
Loans to buy, start or grow a business, plus cash flow facilities and equipment finance matched to how your business earns.
Business loans06
Debt restructuring
Consolidate, extend or move facilities before deadlines bite, or combine personal debts into one repayment.
Debt restructuringQuick enquiry
Tell us the basics. We'll take it from there.
Every borrower's situation is different, so the best numbers are the ones worked out for you. Leave a few details and an adviser will contact you to talk it through.
- Takes about 30 seconds
- No credit check and no obligation
- Home, commercial, construction, development, business and personal lending
Rather talk now? Call 09 280 7555
First home buyers
Your first home, with one team behind you
We arrange your loan in-house, give you general guidance on the property, and line up independent specialists when you need them, so you can buy with confidence.
- 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 lending across lenders so 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. We test your feasibility, structure senior and mezzanine funding, and stay with the project through every drawdown.
- 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 build the case lenders need, with interest cover and loan-to-value modelled before you apply.
- 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 match the funding to how your business earns, and present it the way lenders want to see it.
- 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.
- 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 explain what lenders will look at, before anyone runs a credit check.
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: help talking to your lender early. Financial hardship help
Our promise to every client
You'll always know where you stand: every option compared, every number explained, and an adviser who stays with you long after settlement.
Mutual Trust Capital
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 · 1 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 guideBuilt 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.