First Rate Mortgages


Buying or Building Your Own Home? Talk With The Home Loan Experts

The team at First Rate Mortgages has a unique skill set helping first home buyers, ideally with a minimum of a 20% deposit, with home loans in NZ. We are here to make your home buying journey simple and enjoyable. We help to evaluate how your home loan application will best fit a Bank’s lending criteria and their terms and conditions. You may also consider using your KiwiSaver savings or HomeStart grant to buy your first home with 20% equity avoiding the fees or higher interest rates Banks apply if you have less equity.

With over 40 years of financial and home loan experience in NZ, we have developed a reputation for providing professional and quality services to first home buyers. We will provide you with our disclosure statement which forms part of our compliance process, providing you with the terms, conditions and any fees that may apply during the home loan process.   It is important to us that you understand the benefits of using fixed and floating rates, and how a transactional flexi account could help you start paying off your first home loan quicker. This is always a very good idea, especially when interest rates are higher. 

Our team understands home loans and is here to help you get on the property ladder. We are committed to providing a comprehensive service, with expert advice, focusing on each client.

We offer assistance with home loans for first home buyers, buying a new home, building a new home, fixed or floating interest rates, or for help understanding information that is available on accessing KiwiSaver savings and HomeStart grants. As a first home buyer, we can offer you the latest information and initiatives, with regular housing updates in our newsletter.

Need additional financial assistance? Are you an existing homeowner and looking to trade up or sell down? Do you need help with remortgaging,  bridging finance, a mortgage top up, or advice on repaying your home loan quicker? First Rate Mortgages can help you out!

Contact one of the team members at First Rate Mortgages for advice on your existing home loan or to get started buying your first home in NZ today.