Investing With Us

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. The manager’s current policy is not to charge withdrawal fees but the Trust Deed allows for such fees during the first 2 years of your investment with a fee of 2% of the amount withdrawn for an investment of less than 12 months and a fee of 1% of the amount withdrawn for an investment of between 12 and 24 months.

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.

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.

Investing FAQs

How do I invest?

Always seek professional advice before investing. You need to read the Fund’s Product Disclosure Statement and then complete an application form. The Product Disclosure Statment can be found by searching the Disclose Register for Midlands Mortgage Mortgage Trust Group Investment Fund OFR 11409. You can also contact the manager on 0800 870 326 or email us.

Further information and regular updates on Fund performance are available in our latest newsletter and on this website, or to view the Fund’s latest offer update on the Disclose Register as referred to above.

How much do I have to invest?

A minimum of $500 is required for the initial investment. After that, regular contributions from as little as $100 or additional one-off contributions.

How do I withdraw my investment?

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. The manager’s current policy is not to charge withdrawal fees but the Trust Deed allows for such fees during the first 2 years of your investment with a fee of 2% of the amount withdrawn for an investment of less than 12 months and a fee of 1% of the amount withdrawn for an investment of between 12 and 24 months.

Is there a Reserve Fund?

Yes, a 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 distribution.