Liberty Trust is a Bible-based storehouse
releasing God’s community into greater financial liberty. We seek to promote the Bible's financial principles to enable
New Zealanders to own their own homes, churches and ministries without long
term debt, so they can be free to fulfill God’s call upon their lives.
More than 290 households and churches have received interest-free mortgages so far, and most are already debt-free and able to give more freely of themselves and their finances to God’s Kingdom. Liberty Trust is ideal for: children, students, singles, couples, parents, grandparents, whanau, churches, church workers, missionaries, ministry supporters, family trusts and sponsorship of others. How Does It Work? Contributors are offered an interest-free mortgage of five times the total they have contributed after 10-12 years. There are also options to contribute more and receive a loan offer sooner. Loans are offered by Ark Resources Ltd in the order participants join Liberty Trust and subject to normal bank lending conditions. The standard seven-year loan term can either be increased by one year for every extra year you chose to wait to receive your loan, or by higher contributions, up to a maximum loan term of 15 years. An Example Here’s an example comparing the cost of contributing to Liberty Trust before receiving a $300,000 interest free mortgage, compared with borrowing $300,000 from a bank at 7.5% pa:
Your donations support our teaching, charitable giving and lending, and build a permanent interest-free storehouse to equip future generations. This is the Bible’s “Sowing and Reaping” blessing in practice “A new
commandment I give you. Love one another. As I have loved you, so you must
love one another.
Imagine the possibilities for the Kingdom of God if more of God’s people financed their homes and churches this way!
Liberty Trust seeks to assist all people to own their own homes, regardless of their income. Those on lower incomes can take as long as they’d like to contribute, borrow with no deposit, and can repay the loan to Ark Resources Ltd at terms that would be impossible at a bank.
For example a 40-year $300,000 7.5% bank
mortgage would require repayments of $455 per week. Anything less than $432
would be not be possible as it would not cover the interest.
However if you
contributed $65 per week to Liberty Trust for 18 years you could borrow $300,000
and repay it over 15 years at just $385 per week!
Your Family We spend most of our working lives paying off a bank mortgage. Then, when we finally finish, we watch our children commence the same cycle. This deadly cycle can be broken by sponsorship. God’s pattern is for parents to provide for and teach their children by both word and example (Pr 13:22, 1 Tim 5:8). Liberty Trust is an ideal way to assist your children or grandchildren into interest free home ownership, and at the same time introduce them to the Bible’s method of family support for one another. Many parents start $10 per week memberships for each of their children. As each child begins earning they can take over the contributions themselves. Children and young people who receive an interest free loan can be debt free decades sooner than their peers and save paying many hundreds of thousands of dollars in interest.
You can establish a Biblical blessing and heritage for future generations! Your descendants need never pay mortgage interest! What a blessing!
Your Church Leader or Overseas Missionary
People most deserving of help are often least able to afford to sow financially and therefore miss out on the financial blessing. Together we should equip the saints for works of service so that the Body of Christ may be built up (Eph 4:12). Liberty Trust is an excellent way to bless your pastors, missionaries, and Christian workers and provide for church buildings interest free. As well as benefiting your leaders you are giving into God’s Kingdom and helping many others at the same time.
Is it Safe?
Liberty Trust has been operating since 1989 and reports to two local churches. The Trust’s $7.5million capital is legally secured by homes and churches. Our trustees are un-paid volunteers and our overheads are minor, enabling your donation to be lent and re-lent to assist many other New Zealanders. We are endorsed by independent computer models, a University of Waikato study, and by a Public Actuary and by the High Court of NZ. Our accounts are audited annually and are available on our website. As we do not borrow we are not subject to cost fluctuations and are more secure than banks.
Tell Me More
You can learn more by viewing our website www.libertytrust.org.nz. This includes teaching, newsletters, application forms, interactive examples, endorsements from Christian leaders and scholars, and inspiring testimonials from New Zealanders who have received interest free loans.
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A Better Way to Own a Home |
