Investing With Us

Investing with us

Midlands Mortgage Trust takes the hassle out of investing – and there are no entry or exit fees!

You’ve worked hard for your money, now make your money work for you – it’s that easy.
  • Conservative approach – large & diverse first-ranking mortgage portfolio
  • Easily accessible – you’re not locked in
  • Flexible terms – to suit your lifestyle
  • Competitive returns – make your money work for you
Your money, your terms

Midlands Mortgage Trust takes the hassle out of investing – and there are no entry or exit fees!

You can choose to invest a minimum lump sum of $500 and then make further deposits from as little as $100, or additional one-off contributions.

We understand life can throw curve balls so you won’t be penalised if you suddenly need access to your money.  Unlike other investments or term deposits, you can withdraw part or all of your money at any time.

*Withdrawals are required to be paid out within 90 days of receipt of notification of requirements by the manager of the Fund but the manager usually processes withdrawals twice weekly following receipt of notification.

A conservative investment

You invest in units in the Fund and your money is pooled in a group investment fund and invested in first ranking mortgages.  That property becomes a tangible asset, which gives security to the Fund as first in line to recover money, should the need arise.

In a nutshell, we only lend to borrowers who have mortgaged their property to the Trust. The interest paid on these loans, less expenses, is distributed quarterly as income to investors.

Our mortgage portfolio is made up of residential, rural and commercial properties throughout New Zealand.  Spreading your investment across this portfolio minimises the risk of poor returns from any single mortgage.

This is explained in detail within our Product Disclosure Statement

Your Returns

Midlands Mortgage Trust will provide you with a regular quarterly return on your investment.

Every three months you will receive information on your investment showing the number of units you hold, interest earned and the rate of return.

You receive payment of the interest earned, as an extra income, or alternatively you can choose to reinvest it into the Fund and grow your investment.

Investor Protection

Your investment is monitored by an independent supervisor which is licensed under the Financial Markets Supervisors Act 2011.

Reserve Fund

Midlands Mortgage Trust follows conservative lending policies to minimise risk to investors.  A small part of the Fund’s income is allocated to a reserve fund that helps meet possible losses on individual loans.  This does not have a material effect on income distributions.

Get your free info pack

To learn more about investing with Midlands Mortgage Trust enter your details below.

This info pack contains everything you need to know about the Fund to help you make an informed decision.


In light of the COVID-19 Levels imposed across New Zealand all Midlands staff, where possible, are now working from home.

Please note that our Hastings office will be closed to the public from this date forward.

We continue to operate essential functions of the fund, which includes settling of mortgage loans and distributions of income to investors. However, some other functions will naturally be delayed. We appreciate your understanding at this time. Please call 0800 870 326 should you have any queries.

Be safe, and please look after yourself and each other.

Tobias Taylor, CEO