In the investment world, it’s not just about chasing the highest returns; it’s about finding the right balance of growth and security. At Norfolk Mortgage Trust (NMT), we’ve been doing just that since 2006, providing investors with a regular income stream and a pathway to grow wealth over the long term, even in challenging market conditions.
Our Proven Formula for Stable Returns
We don’t rely on luck or guesswork. Our success is grounded in a careful strategy that prioritises both returns and protection. Our winning formula, refined over nearly 20 years, is built on three pillars: rigorous loan evaluation, conservative lending practices, and portfolio diversification:
1. Rigorous Loan Evaluation: Picking the Winners
We’re not just lending to anyone. We carefully scrutinise each borrower’s financial health, digging deeper than credit scores to assess their true ability to repay. This selective approach allows us to handpick the most favourable lending opportunities, maximising returns while minimising risk for our investors. We meticulously select the most promising investments, akin to a winemaker choosing only the finest grapes.
2. Conservative Lending Practices: Your Safety Net
Your investment’s security is our top priority. We adopt a conservative lending approach that places the bulk of the risk on the borrower, not on you.
- First Registered Mortgages: Every loan we make is backed by a first registered mortgage on real estate. This means we have the first claim on the property if things go south, providing a solid layer of protection for your investment.
- Conservative Loan-to-Value Ratio: We’re not in the business of over-lending. We maintain a conservative loan-to-value ratio ensuring a buffer of equity in each property. This acts as a safety net for your investment, to allow for added security even if property values decrease.
3. Diversified Portfolio: Spreading the Risk
We don’t put all our eggs in one basket. Our investments are spread across a diverse range of properties throughout New Zealand, spanning different locations and sectors. This diversification acts as a shock absorber, minimising the impact of any localised downturns and ensures that even if one area experiences a downturn, the overall portfolio remains strong.
A Legacy Built on Results
Norfolk’s monthly returns aim to be competitive with similar investment products to grow your wealth over time.
Returns are paid out monthly, or can be reinvested back into the fund.
*Annualised pre-tax return for the month ending 31st October 2024.
Our numbers speak for themselves. Over the past 10 years, we’ve delivered an average return of 6.46% after fees and before tax, even during challenging economic periods.
Currently, we’re offering an impressive 7.5% annualised pre-tax return (from 30th May to 31st October, 2024).
The Norfolk Mortgage Trust Advantage
While past performance doesn’t guarantee future performance, with Norfolk Mortgage Trust you can be assured that our experience, and our people-first approach means your investment is in good hands.
“We are very conservative, and we have to be because we are dealing with other people’s money.”
The Bottom Line
If you’re looking for an investment partner that prioritises stability, risk management, and consistent returns, look no further than Norfolk Mortgage Trust.
With us, you’re not just choosing an investment; you’re choosing a partner dedicated to safeguarding your financial future.
Ready to take the next step?
Want to learn more?
Watch our short video or Download our free investment guide to explore how NMT can help you grow your wealth.
Ready to invest?
Click here to apply online – it takes less than 5 minutes. We’ll guide you through every step of the process.
Invest with confidence. Invest with Norfolk Mortgage Trust.