Rating based on 11 reviews

First Rate Mortgages

  • Home loans up to $2,000,000
  • Repayment up to 30 years

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First Rate Mortgages homepage
Author First Rate Mortgages. Screenshot of First Rate Mortgages website.
[Accessed March 7, 2023]

About 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.

First Rate Mortgages Services

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.

First Rate Mortgages – Home loan

  • Loan Type Home loans
  • Loan Amount up to $2,000,000
  • Repayment 1 year to 30 years

Benefits of First Rate Mortgages

  • Low deposit home loans
  • Apply with a bad credit history
  • Quick and easy online loan applications

Get the perfect loan to finance your real estate purchase with First Rate Mortgages

A trusted mortgage broker that operates in New Zealand, First Rate Mortgage is a reputable home loan lender. For years they have been helping locals get affordable loans to finance real estate purchases.

Beyond helping you find a loan that suits your needs, they will walk you through the entire loan application process in order to ensure your best chances for success.

Easy application with First Rate Mortgage

Applying for a home loan at First Rate Mortgage cannot be quicker or easier. When you enter their website, you will see a small area at the top of the screen where you can enter your name, phone and email and a ‘submit button.

A First Rate Mortgage advisor will then contact you in relation to their affordable home loans in New Zealand.

Customer Reviews & Testimonials

Great value for your money.

Wren M
— Christchurch —

At 23, I decided to move out on my own. Sadly, I didn't realize how expensive being independent actually is. FRM made it all possible with a few clicks of a button. I received confirmation of my ...

Darryl J
— Dunedin —

First Rate Mortgages Contact

Physical Address

  • Level 2, 16 Florence Ave Orewa Auckland Region 0946 New Zealand
  • Get Directions

Postal Address

  • PO Box 314 095, Orewa, 0946, New Zealand

Opening Hours

  • not available