Mortgage trusts don’t often make financial headlines, yet they continue to deliver consistent, reliable returns for investors looking for stable income and security. That’s why Norfolk Mortgage Trust was featured in the March 2025 edition of Informed Investor—highlighting why more and more New Zealanders are choosing mortgage trusts as a low-risk, high-confidence investment option.
A Trusted Investment Hidden in Plain Sight
Mortgage trusts don’t often make the headlines, yet Norfolk’s investors see the value firsthand. 40% of investors have been with Norfolk for over 10 years, and with an average investment of $155,000, it’s clear they trust the model. But it’s also accessible—with one-third of investments under $50,000 and a minimum entry of just $5,000.
“We find a lot of our business comes through referrals,” says Glenys Holden, CEO.
“When investors see the steady returns we offer, they tell their friends and family.”
What is a Mortgage Trust?
A mortgage trust pools investor funds and lends them as secured loans backed by New Zealand property. Investors receive monthly income from borrower interest payments, offering stability without market volatility.
Norfolk’s Three-Pillar Approach to Security & Growth
- Rigorous Loan Selection – Borrowers undergo strict financial assessments to ensure reliability.
- Conservative Lending Practices – Loans are secured by First Registered Mortgages and strict Loan-to-Value Ratios (LVRs) create an equity buffer.
- Diversified Portfolio – Funds are spread across multiple property types and locations, reducing risk while ensuring consistent performance.
“When it comes to investment decisions, we err on the side of caution — because safeguarding our investors’ funds is paramount,” says Stu Smith, Executive Director.
Why Investors Choose Norfolk
- Steady, uninterrupted monthly returns since 2006
- Reliable income, not market-dependent payouts
- Low-risk structure with strong security measures
- Simple, transparent investment model with no hidden fees
- Personalised service — real people, real support
Ready to invest?
Start earning steady returns with Norfolk Mortgage Trust.
Minimum investment just $5,000.