First Rate Mortgages Home Loans NZ

Accredited and Registered Mortgage Brokers - Nationwide

Our Mortgage Brokers are based in East, West and South Auckland, the North Shore, Orewa and the Waikato Region. With personal service and the internet we can help you with all types of Bank and Non Bank Mortgages. We arrange home loans, residential new builds, bridging finance, second mortgages and commercial construction, development and investment funding. Our panel lenders also look at Home Loans with Bad Credit or Low Docs. Our team are all Registered Financial Advisers with over 78 years experience in finance and have lived and worked all over New Zealand.

Mortgage Brokers Auckland

If you need help from a Mortgage Broker arranging a home loan for existing or a new build, refinance or commercial mortgage in Auckland, Wellington or anywhere in New Zealand contact us.

First Rate Mortgages Limited is New Zealand owned and operated by Kim Lyons, who is the principal residential and commercial Mortgage Broker. He is supported by Allan Nicol here in Auckland, who has now been with the Company 3 years. Allan has an abundance of valuable knowledge as a home owner and family man and is our Specialist Refinance and First Home Buyer Mortgage Broker in the South and East Auckland, areas such as Howick, Botany, Pakuranga, Manukau, Flatbush and Otahuhu. Together they concentrate on arranging NZ Home Loans, Investment, New Builds, Refinance, Consolidation, Construction and Commercial finance. Kim has recently moved 20 minutes North from Castor Bay to Orewa on the Hibiscus Coast but continues to look after existing clients on Auckland's North Shore, such as Takapuna, Milford, Browns Bay, Albany, Birkenhead and Auckland Central.

With Kim moving to Orewa, which is a growth area for new homes in the Millwater / Silverdale / Whangaparaoa area, he sees the opportunity to help new home buyers with construction or new build finance with a focus on low deposit home loans, helping new home buyers get on the property ladder. This has also created the opportunity to welcome Ross Smith to provide additional support on Auckland's North Shore and East Coast Bays. Ross has had 38 years experience with the National Bank and for the last 16 years was in a Senior Management role, helping Business Managers with Home Loans, Residential and Commercial Property Investments and Business Finance. He is very excited with the opportunities he now has as a Mortgage Broker with access to many Bank and Non Bank lenders.

Linda Osborne has also now joined Kim in the Orewa office helping with new enquiries, loan applications and dealing with all our lenders. Linda has worked previously with the BNZ and for many years as a Mortgage Broker.

Allan & Ross will continue to also look after the West Auckland area of Avondale, New Lynn, Henderson, Te Atatu, Hobsonville and north to Helensville. So with Kim, Allan and Ross looking after the area from say Pukekohe through to Wellsford, we are pleased that Andrew Jackson has now joined us to look after the Hamilton and Waikato area extending to Tauranga, Rotorua and Taupo. Further a field we have a network of preferred Mortgage Brokers all over New Zealand and are doing business regularly in, Wellington, New Plymouth and surrounding areas. Ross also had had many years working in banking in the South Island, so will be our "go to" man for any enquiries regarding new homes, new builds and refinancing in the Christchurch area.

Kim Lyons - Qualifications

Kim Lyons has many years of knowledge and experience, having been a Mortgage Broker for 13 years and prior to that working with ANZ Bank as an Assistant Lending Manager in Newmarket, then Branch Manager Newton and then Takapuna before becoming one of the ANZ's first Mobile Mortgage Managers in Auckland.

Together Kim, Allan, Ross, Andrew and a team of nationwide mortgage brokers can help you buy or build new your dream home, even with a low or gifted deposit, establish a rental portfolio, finance a construction project or provide urgent help, in these challenging times, with refinance, bridging finance or debt consolidation. Kim is also very experienced with commercial and development funding proposals.

Currently with activity at a new high, Kim Lyons and the team are getting many enquiries from Auckland and out of town, in particular Tauranga, Hamilton, New Plymouth and Wellington. Many of these enquiries are resulting in loans being approved to help first home buyers, commercial property investors, or commercial owner occupiers. Many are also looking to refinance and consolidate debts, plus there has been a significant increase in the number of online enquiries for bad credit home loans, second mortgages, or to catch up on mortgage payments, even personal expenses such as funerals, cars, travel, education costs etc. These smaller loans generally have security in the form of a caveat or second mortgage on the borrower's property, or that of a guarantor. We do not do unsecured loans personal loans.

Recent enquiries include a first home buyer using equity in a UK home to buy a property here in Christchurch, A farmer needing to refinance as their bank had changed the rules! Another first, a multi million dollar request to assist with re-strengthening a historic building to meet new earthquake requirements and a $1.7M second mortgage to assist with a development.

After a period of strong sales particularly in Auckland with rising prices the Reserve Bank has taken action to restrict low deposit lending beyond 80%, which does penalise first home buyers. Recognising the need to help clients through the tightening of credit policy and the reluctance to lend from many traditional Banks and other non Bank Lenders, it has been a priority to focus on keeping up to date on what can and can't be done in the current mortgage market and looking for ways to still help clients with a 10% deposit, who may as an example, have a low or part gifted deposit, maybe some minor bad credit issues, but still want to buy their first home with a 90% Home Loan and their Bank has said "NO".

Both Kim and Allan have now completed their studies and been awarded the National Certificate of Financial Services (Financial Advice) ( Level 5) in Residential Property and Insurance Advice and are both Registered Financial Advisers on the Financial Service Providers Register with the Companies Office. This is in addition to being accredited Mortgage Brokers with the New Zealand Mortgage Brokers Association, which is based in Auckland. Ross Smith and Andrew Jackson, who is new to the team, have also confirmed they will work towards the National Certificate which shows that they are very serious about their responsibilities in the role as a Registered Financial Adviser.

The slogan "Financial Fresh Air" is a commitment to respect and value you as a client and to provide you with a higher level of service than what you may currently be receiving from your current Bank Manager or Mortgage Broker. This does also mean that we are committed to provide long term personal service rather than an impersonal offshore 0800 call centre with automated numbered responses! Just check our reviews.

Our lending panel includes ANZ Bank, Westpac, ASB, Co-Op, TSB, SBS and Sovereign Home Loans. We are accredited Mortgage Brokers with them. We also have an extensive network of Non Bank 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.

We are proud that First Rate Mortgages Ltd is associated with the Professional Advisers Association, PAA, who merged with the New Zealand Mortgage Brokers Association, NZMBA, who have their office here in Auckland, which supports our industry with ongoing professional training, education & advice with regards to Home Loans, Mortgages and Risk Cover, ensuring that high standards are maintained.

Contact one of our Mortgage Brokers for more information
or Freephone 0800 699436 (0800 OXYGEN)

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First Rate Mortgages - "Financial Fresh Air"