Home · Commercial · Construction & development
Finance for the future you're building.
Home loans, commercial property and business lending, commercial debt restructuring, and construction and development finance across New Zealand. Our advisers compare lenders, explain every number and stay with you long after settlement.
Three areas of expertise
Home, commercial, and construction and development finance
Residential
Home loans
First homes, next homes, rental properties and refinancing, structured to save you money over the life of the loan.
All home loansCommercial
Commercial and business
Commercial property, business lending and commercial debt restructuring, built around the cash flow that has to repay it.
- Commercial property loans
- Commercial debt restructuring
- Business loans
- Working capital and cash flow
- Equipment and asset finance
Construction & development
Construction and development
From a single build to multi-unit projects: land, construction, development and residual stock finance, from feasibility to final sale.
- Building and construction loans
- Builder and spec build finance
- Property development finance
- Land and subdivision finance
- Residual stock loans
Quick 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
Commercial lending and restructuring
Commercial debt, structured around cash flow
Buying premises, refinancing a tenanted building or restructuring facilities under pressure: we build the case lenders need, with interest cover and covenants modelled before you apply.
- Commercial property for owner-occupiers and investors
- Debt restructuring: consolidate, extend or move facilities
- Options from the major banks to specialist non-bank lenders
- Reviews and refinancing planned well before facilities expire
Construction and development
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
Every lender, one conversation
The right loan is more than the lowest rate
We compare banks and non-bank lenders side by side, then design the structure around you: how much to fix, for how long, and how to pay it off sooner.
- Options across our lender panel, not one bank's shelf
- Fixed, floating and split structures compared in real dollars
- Cashbacks, fees and break costs counted before you decide
- We prepare the application and handle the lender's questions
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.