How much risk does the investment have?

All investments have risk, but some investments are riskier than others. The First Mortgage PIE Trust has a risk rating of 1 out of 7 - the lowest possible rating for a managed fund in New Zealand. This means that there should be a relatively low volatility in returns from the Fund, but it does not mean there is no risk. The Fund invests into loans secured by NZ first registered mortgages, not shares or cryptocurrency. It's not a bank deposit, so it isn't government-guaranteed, but it carries the lowest risk rating available for this type of investment. Returns are not guaranteed and can change.

PIE stands for Portfolio Investment Entity. It means your returns are taxed at your Prescribed Investor Rate (PIR) - typically 10.5%, 17.5%, or 28% depending on your income - rather than your income tax rate. For many people this is more tax-efficient. You can find your PIR using the IRD's calculator at ird.govt.nz.

Yes, FMT is supervised. Information is available on the Disclose register at disclose-register.companiesoffice.govt.nz.

Honestly? There isn't one. No hidden fees. No dodgy fine print. No junk mail trying to sell you stuff you don't need. We built Emerge because we were tired of the catches too.

Does it cost anything to join?

Nope. It's free to open your account, free to get your first card, free to send money to mates. A replacement card will cost you $10, that's it.

Can I get my money back if I need it?

FMT has a suggested investment horizon of 2 years, because that generally aligns with the lending terms for the Fund's underlying mortgage investments. However, your investment isn't locked up and you can normally request a withdrawal at any time.

Is this the same as Kiwisaver?

No. KiwiSaver is a long-term retirement savings scheme with restrictions on when you can withdraw. The First Mortgage PIE Trust is a managed investment fund with a suggested minimum investment timeframe of two years, but withdrawals are not restricted like they are in a KiwiSaver scheme. Additional KiwiSaver benefits, like matching employer contributions, and not available in the First Mortgage PIE Trust. The Fund does not replace your KiwiSaver.

What is the minimum investment?

$500. There's no maximum. You can add more to your Fund balance at any time inside the Emerge app.

Emerge is not registered bank - your money's held safely in trust with a licensed New Zealand bank. We're a registered financial services provider, and we hold your money in a secure trust account with a licensed New Zealand bank. You get all the protection of a big bank, with none of the big-bank vibes.

How fast can I open an account?

About the same time it takes to order a coffee. Just download the app, verify your ID, and you're good to go. No branch visits, no paperwork.

Up the Wahs.
Every time you pay.

From exclusive One NZ Warriors card art to merch, priority access and unforgettable experiences, there's a 2027 Mastercard Wahs Access Pass for every fan.

Only with Emerge Personal.

Download Emerge

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How big of a Wahs fan are you?

Casual supporter? Diehard fan? The kind who plans their entire weekend around kick-off?

Whatever your level of dedication, there's a pass with your name on it.

Three passes. Your pick.

2027 Mastercard Wahs Basic Pass

Give your Emerge Personal Mastercard a One NZ Warriors makeover with exclusive digital card art, plus special messages and content from your favourite players.

2027 Mastercard Wahs Supporter Pass

Take your fandom up a notch with exclusive One NZ Warriors card art, merchandise discounts, $50 store credit, priority ticket access and more.

2027 Mastercard Wahs Superfan Pass

For the ultimate Wahs fan. Get exclusive One NZ Warriors card art, premium fan experiences, match tickets, a signed jersey and a whole lot more.

How it works

1. Get set up with Emerge Personal
Already with Emerge? You're good to go. New here? Download the Emerge app and open a Personal account.
2. Add your card to your digital wallet
Add your Emerge Personal Mastercard to Apple Pay or Google Pay. You'll need it to purchase your pass.
3. Pick your pass
Head to Perks in the Emerge app, choose your 2027 Mastercard Wahs Access Pass and pay using your Emerge card.
4. Show your colours
Choose your One NZ Warriors card design and watch your digital card get its new look. Plus, enjoy all the extras that come with your pass.

Phone showing the Perks screen in the Emerge app with the Mastercard Access Pass.

Frequently asked questions

Whether you’re a startup, growing team or planning global domination, Emerge works to make your business finances more efficient at every stage of your journey.

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Up the Wahs.Every time you pay.