First Rate Mortgages

Our mortgage brokers are based throughout Auckland, the North Shore right up to Orewa and we also cover the Waikato and Bay of Plenty.

With personal service and the internet, we can help you with all types of Bank, Non-Bank and Second Tier Mortgages. Our home loans services include, residential new builds, bridging finance, second mortgages and commercial construction, development and investment funding. 

A large lending panel

Our panel lenders also look at home loans with bad credit or low docs, which often assist self-employed borrowers. Our team are all registered financial advisers with over 68 years of experience in finance and have lived and worked all over New Zealand. Our lending panel includes ANZ Bank, Westpac, BNZ, ASB, Co-Op, TSB, SBS and Sovereign Home Loans. We are accredited mortgage brokers. We also have a network of other types of lenders who may be able to assist you, if you have already been to your bank or mortgage broker and they have been unable to help.

At First Rate Mortgages, we offer a variety of loans that are suited to a variety of people from different financial situations.

Bad credit loans

Have you got a bad credit history or some late loan repayments through a financial mishap caused by sickness, a bereavement, redundancy, separation, business failure, or just been overcommitted and overlooked some repayments or bills, maybe even late with payments to the IRD and have GST or tax arrears? You may need our understanding of non-bank, private investor or recovery loans, which may be your solution if you are looking to refinance, prevent a mortgage sale, or for a new start with bad credit.

You could still own a home or be able to refinance as some lenders do provide bad credit loans if you have a bad credit history with collections and judgements or you have had some missed repayments.