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 regular deposits, or additional one-off contributions, from as little as $100.

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 normally withdraw part or all of your money at any time.

Withdrawals are normally required to be paid out within 90 business days of receipt of a withdrawal notice but the manager usually processes withdrawals within one week.

A conservative investment

You invest in units in the Fund and your money is pooled with other investors money and invested in first ranking mortgages.  That means you are investing against 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 Fund. 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 through the Fund minimises the risk of poor returns from any single mortgage. We also hold cash for liquidity.

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

The Fund is overseen 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.


At the end of each quarter fund transactions will be suspended for a brief period while the quarterly distribution is processed.

Interest continues to be earned on existing investments during the suspense period but withdrawal and investment requests received during this time will only be processed on the day the Fund reopens.

 Signed Unit Certificate withdrawals must be received by: 8am, Monday 21st December 2020

Last withdrawals will be processed: Monday 21st December 2020

The Fund will reopen: Thursday 7th January 2021

Get your free info pack

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

This info pack contains more information about the Fund to help you make an informed decision.