Professional mortgage brokers in NZYou can't always bank on your Bank!™
Are you seeking a team of experienced and exceptional Kiwi mortgage brokers? We're professional financial advisers ready to help with your home loan, investment property, or jumping on the property ladder.
Every avenue considered, with bank and non bank lenders.First Rate Mortgages, since 2006
Mortgage advice you can bank on, since 2006.
Winner, Avanti Finance Adviser of the Year – Specialist Lending, 2024 New Zealand Mortgage Awards.
Accredited through Kiwi Adviser Network to advise on products from lenders including
- AIA Go Home Loans
- ANZ
- ASAP Finance
- ASB
- Avanti
- Bank of China
- Basecorp Finance
- Bluestone
- BNZ
- Cressida Finance
- First Mortgage Trust
- Funding Partners
- Heartland Bank
- Liberty
- Pepper Money
- Plus Finance
- Prospa
- Resimac
- SBS
- Southern Cross
- The Cooperative Bank
- TSB
- Unity
- Westpac
Our mortgage brokerage services
Home loans and investment property, plus refinancing your home, releasing equity, and buying a lifestyle, commercial or development property.
Home loans
Buying or building your own home? Talk with the home loan experts!
Refinancing & debt consolidation
Experts in refinancing mortgages, debt consolidation and top ups.
Property investments
Investment or residential rental property, and commercial property.
My bank said no
We are here to help you when your bank just says no!
Business, vehicle & personal loans
Business finance, working capital, vehicle, boat or personal loans when you need money fast.
Insurance
Personal insurance through Keystone Financial Solutions, for you, your family or your business.
- First home buyers
- New home builds
- KiwiSaver
- Bridging finance
- Refinancing
- Debt consolidation
- Rental property
- Commercial property
- Self employed
- Bad credit
- Second mortgages
- Business loans
About us
Specialist mortgage brokers in Auckland.
We're committed to getting your loan approved and moving forward with buying a house. Even if your situation doesn't tick all the boxes with bank lenders, our expert brokers work tirelessly to make sure all avenues are considered, with both bank and non bank prime or second tier lenders.
Learn more about us
Why use a mortgage broker
Let us do the leg work.
It's often all about the hassle. People are busy, it can be hard to get an appointment with your bank, and the local branch you've always gone to may have closed.
- Help completing the forms and gathering your documents
- Your application matched to the lenders it suits best
- Speed bumps spotted before they slow down or stop your application
Reviews
What our clients say.
Don't just take our word for it. Read what customers are saying about First Rate Mortgages.
Read all reviewsI would highly recommend First Rate Mortgages to anyone looking to purchase a home. Allan Nicol was an absolute pleasure to work with from our very first meeting! My wife and I weren't sure if owning a home was even a possibility for us given our specific circumstances, but Allan’s expertise and dedication made it happen.
Jamahl Hapi, bought a homeAdviser: Allan Nicol“We were too lucky to work with Natalie and Kim from First Rate Mortgages to secure our home. We put them under a bit of time pressure, signing a S&P agreement before even engaging with them, however they turned things around super quick and obtained the approval we needed to go unconditional. Thank you both for making what can be quite a stressful time, a really straight forward and easy process! 🙂 Would 100% recommend!”
“Highly recommend working with Danielle at First Rate Mortgages. She helped get our refinance sorted over a prolonged period and was proactive, informative and helpful throughout. Definitely looked after our best interest and get an awesome deal set up. Great to work with 🙂”
“We very much enjoyed working with Murray and the First rate Mortgages team. Helping us get 'match fit' for our mortgage applications, making the admin process as user friendly as possible, and doing the heavy lifting on shopping for the best mortgage and arrangements for us. They listened to our needs, supported and encouraged us along the way, whilst providing sound advice and guidance. We're are absolutely thrilled with the outcome - a new home, and a banking relationship we're happy with. We would happily recommend the services of First Rate Mortgages.”
“We have engaged Natalie and First Rate Mortgages on many occasions and we find Natalie to have the utmost professionalism and always friendly, respectful and helpful to find us the right solution. She also liaised throughout the build with the lender on our behalf. Would highly recommend Natalie and any of the team at First Rate Mortgages.”
Meet the team.
Financial advisers and accredited mortgage brokers with many years of experience arranging mortgages, home loans and commercial finance for New Zealanders and offshore residents.
Kim Lyons
Financial adviser, business owner
Mortgages, home loans and commercial finance with bank and non bank lenders. 23 years with ANZ before 22 years as a mortgage broker.
Allan Nicol
Financial adviser, East & South Auckland
Practical advice on home loans, refinancing and debt consolidation. Has helped many clients back on track after a financial mishap.
Murray Moore
Financial adviser
Over 20 years as a mortgage adviser. Refinancing, debt consolidation, new home buyers and rental investors, with an interest in rural lending.
Natalie Siebrits
Financial adviser
14 years with Sovereign Home Loans assessing home loans, refinances, new builds and debt consolidations before joining our Orewa office.
Danielle Happy
Financial adviser
10 years at Sovereign approving mortgages, specialising in new builds. Works with both bank and non bank lenders.
Your trusted mortgage broker in Auckland
At First Rate Mortgages, we pride ourselves on being the premier mortgage broker Auckland trusts for tailored financial solutions. Our team of experienced mortgage advisors is dedicated to guiding you through the home loan process, ensuring you secure the best mortgage options available. Whether you’re in search of a home mortgage broker or a finance broker to assist with investment properties, we are here to provide expert advice and personalised service. Our commitment to excellence makes us one of the best mortgage brokers in NZ, ready to help you achieve your property goals.
Understanding the unique needs of our clients is at the heart of what we do. As a leading mortgage advisor, we specialise in crafting bespoke solutions that align with your financial aspirations. Whether you need assistance navigating the complexities of home loans or require the insight of a house loan broker, our dedicated team is equipped to assist. By choosing First Rate Mortgages, you’re partnering with the best mortgage broker Auckland has to offer, making sure you have clear support through every step of the borrowing process.
Get started with your mortgage application.
Buying a home or investing is a time consuming process. We want to make sure you have the best financial advice and a customised mortgage for your situation.