For Noel Johnston, the journey with MTF Finance began in 1985.
Starting as a car dealer, Noel was drawn to the company’s cooperative model, where every shareholder had an equal stake and shared the profits.
“We could write the loan on the spot,” Noel recalls, highlighting the simplicity and fairness that set MTF apart from the start.
From Dealer to Director
Over the years, Noel’s role has evolved significantly. In March 2019, he was elected to the board as a shareholder director. Along the way, he established two franchise models with partners and owns two franchises himself. His motivation? “I like being able to genuinely help people with their finance. A car is the next biggest purchase next to your home and being part of that is special.”
Today, MTF goes beyond vehicle finance, helping Kiwis move forward with personal and business loans built around real-life goals.
About MTF Finance
Proudly Dunedin-based since 1970, MTF Finance is deeply rooted in local communities. “We’re all local business owners who work and play in our communities,” Noel explains. Customers range from first-time borrowers to long-term clients, from start-up businesses to established fleets, and even homeowners looking to renovate.
“The stories where we’ve made a genuine positive difference for someone. That’s what matters,” Noel explains. “The feedback we get is amazing – how quick we are through the loan process and how we’re there when needed.”
Looking ahead, Noel is confident in MTF’s future: “Our unique operating model has set us up for the long term and we’re looking forward to continuing our journey as New Zealand’s local money experts for decades to come.”
MTF has faced challenges, but Noel emphasises the importance of adaptability: “Grow with the business and bring your team along. Seek advice early and pay your tax first.”
His advice for aspiring business owners is to surround yourself with great people and take time to work on your business.
And when it comes to PKF Dunedin? “When you click with someone who gets immersed in your business and keeps up with advice, why would you change?”