First Rate Mortgages Home Loans NZ
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Read what our many happy clients have to say........

Mortgage Brokers First Rate Mortgages

It has been a pleasure dealing with your team...

Hi Yvonne,

We would like to extend a warm thank you to both yourself and Kim for the support and service you have given us during the process of financing our new house build.

Your open, honest and very personable approach to doing business has been really refreshing and it has been a pleasure dealing with your team.

We will certainly have no hesitation recommending First Rate Mortgages to others in the future.

Kind Regards,

N & R

Your advice in many areas were remarkable...

Dear Allan

Shirley & I would like to sincerely thank you for the great job you’ve done in approving our home loan application.

We approached many banks and many brokers and all of them turned us down, you were the only broker who actually wanted to know more about our financial status and showed interest in helping us.

We are still unable to believe that you made it possible for us to own a house in this difficult property market and banks high demand lending criteria.

You worked through our application very carefully and your advice in many areas were remarkable.

If we hadn’t come across you Allan we still would have been renting and wouldn’t have dared to think of owning a house.

Please accept our sincere and BIG thanks to you.

Shirley & Raghuel

negotiating a very good financial package for our companies........

We used Kim Lyons for our recent purchase of a commercial factory unit , we also switched banks

Kim made this a very easy transition doing all the ground work on our behalf and negotiating a very good financial package for our companies, business and property portfolio

We would not hesitate to recommend his services and look forward to dealing him again in the future

Sharon Ward

Good morning Allan,

Hope you and your family are fine and well. Just an update on the renovation around the house. Work started on Monday the 9th, started with the roofing and spouting it's all done, the second day the 10th was the weather boards outside and around the house slowly but getting there, today is the last day and they finishing off outside and bathroom, painting and clearing the rubbish, the boys doing a fantasic job. A big big THANK YOU to you Allan for your help throughout the whole process. Thank you so much have a lovely day.

Once again Allan, from the bottom of our hearts........

Once again Allan, From the bottom of our hearts we would both like to thank you very much for the sterling job. It is so lovely to be able to start sleeping at night again - unless I'm called out lol. Sharyn and Bruce

I highly recommend his services........

Having dealt with Kim Lyons from First Rate Mortgages & Non Bank Ltd, I highly recommend his services. He was easy to work with and was able to arrange my facility easily,all done by email & phone.With me being in the South Island and Kim in Auckland one would assume the task at hand to be difficult, not so, it all came together easily. Kim also understands the difficulties presented by banks, when self employed people wish to raise funds to purchase property.Once again I highly recommend his services, and would certainly use him again if the need arose. Thanks Kim.

(South Island)

we got the best rate........

Thanks Kim for all your help, according to our Solicitor we got the best rate she's seen all year, Merry Christmas.

T & S. West Auckland

Dear Kim

Just a quick note to say thank you so much for helping us get into our first home!! We know it's your job but appreciate your patience with us "rookies" and advice. It made the whole process that much easier to deal with and understand, We hope you have a wonderful 2012 and look forward to the possibility of dealing with you in the future. Jo Rollings and Craig Fever, Auckland.

Construction / Build finished

We look forward to many future wines on the deck, and continuing to work with you as we continue to manage our mortgage with the bank via yourself.

Thank you Kim...we would be only too happy to be a referee for your and your services if you so wish.

Karen Carter, Milford, North Shore, Auckland

Construction Home Loan the progress payments, and finally settling on a long term plan - your support has been second to none. We sincerely appreciate your knowledge and clear understanding of the options/process - but even more the friendship we have formed.

New Build Home Loan

From discussing in the early stages the feasibility and options (sell/rent/renovate) to getting the mortgage worked through and the financing accepted by the bank....

New Build Home Loan finances

We could not be happier re our resulting home, and we would like to sincerely thank you for the role you played in getting us there.

Hi Kim, Wow....what a year it has been!

New Home Loan Finance for Construction

We could not be happier re our resulting
home, and we would like to sincerely thank you for the role you played in getting us there.

We rate Allan very highly........

We rate Allan very highly. He was very professional and efficient throughout the whole process. We had a complex situation having bought one house without having sold the other so Allan went the extra mile in preparing a "Plan B" even though we didn’t end up using it which gave us peace of mind whatever should happen.

His advice on which bank to go with and how to structure the loans was much appreciated and we are now reaping the benefits of having chosen the best solution.

Thanks Allan!

I was very privileged to have Allan as my Mortgage Adviser...

To whom It may Concern,

My Name is Cherie Bracey I was very privileged to have Allan as my Mortgage Advisor, And I am pleased do say that he did such an awesome job concerning my refinancing that I would recommend him to anyone and if I have people who need one I will definitely get Allan to do the job for them, He kept me up to date with emails of what was going on.

Cherie. Wattle Downs, Manukau, Auckland

A Big Thank you :o)

Subject: A Big Thank you :o)
Hi Kim,
Thank you for the gorgeous flowers that arrived on Monday and for all your help in obtaining finance to allow us to get our first home. We have taken our first step to an exciting future in achieving our goals and dreams and look forward to working with you to make it happen. Again, many thanks.
Kind Regards,
Sandy & Trevor

Allan you have done such a great job...

A very big thank you to Allan Nicol who has worked so hard in helping us purchasing our second home. Allan you have done such a great job in helping us buy our first home in 2011 and now again your assistance has helped us to buy our second home. Me and Jason are so grateful for your assistance


We'd been turned down by several major banks...

We were lucky enough to find Allan when we were just about to despair. Despite being young professionals with good incomes we needed a high LTV mortgage at a time when the banks were reluctant to even entertain them. We'd been turned down by several banks before finding First Rate Mortgages. Thankfully Allan was able to find us a deal with a main high street lender and even after the deal was concluded he continued to keep in touch and offer both great advice and a new perspective on paying off our loan.

I wouldn't hesitate to recommend Allan to anyone who finds themselves in a more complicated or challenging situation. His personal approach to business shows that he actually cares about his clients and their financial well being. Thanks Allan!


A number of brokers had tried and failed...

Allan has been a wonderful Broker He never gave us , he went to great lengths and eventually got us a private lender and the deal was completed with minimum of fuss A number of Brokers had tried and had failed previously because of our unusual profile ( High Equity Low cash flow ) Allan Nichol is a tenacious Broker and a first rate financial advisor Highly recommended


Allan has been really helpful...

Allan has been really helpful in arranging my home loan .He is very well organised and committed to help . I will recommend Him to anyone who is looking for loan.

Rohit Sharma

great in negotiating obstacles that presented themselves...

We had the good fortune to meet with Kim Lyons, following a google search. Kim was diligent, informative and determined to help get us back into the property market, following our bad experience with a leaky home. Throughout the entire process we were kept informed of developments. Kim was also great in negotiating the way through obstacles that presented themselves. I have no hesitation in recommending Kim Lyons. His integrity speaks for itself.


he always gets us best rates with the Banks...

We have used Kim at First Rate Mortgages for many years and when we were looking to purchase a property this year he was the first person we contacted, he is always professional, helpful and friendly and he always gets us the best rates with the banks. I have no hesitation in recommending him to anyone.


I found myself in a complicated situation

I was introduced to Kim Lyons from First Rate Mortgages through a mutual friend. I found myself in a complicated financial situation and required the experience of a mortgage broker who could provide the solution I was looking for. After I made contact with Kim he came to visit me at my home the very next day. The paperwork was completed swiftly and thoroughly and in a matter of days Kim presented me with a few different financial options that met my criteria. Throughout the refinance process he was professional, honest and reliable. Kim Lyons and his team at First Rate Mortgages come highly recommended and I will most certainly be passing on his details to family and friends should they require financial assistance.


we had almost given up hope of owning a home...

We would highly recommend First Rate Mortgages. They were helpful, professional and friendly and encouraged us to keep going when we had almost given up hope of owning a home. Thanks again Natalie and Kim, we will always be grateful for all of your assistance.


Kim Lyons from First Rate Mortgages Limited has taken the stress and strain out of arranging our mortgage. As overseas customers (UK) and with limited knowledge of the type of mortgage products available we needed guidance and advice on the right type of mortgage to suit our needs. We were fortunate to come across First Rate Mortgages Ltd. Regardless of the hour our questions were always answered and the application process made easy. We tried, unsuccessfully, to arrange the mortgage ourselves only to find the process drawn out and quite painful in terms of getting the right information to the right people. Kim Lyons continued to provide advice and support after we had signed on the dotted line. We would highly recommend Kim Lyons of First Rate Mortgages Ltd if you are looking for a professional, painless approach to getting your mortgage application right!
Ruth J

I recently contacted Kim at First Rate Mortgages to help with a finance deal to purchase a commercial building. What I ended up with was not only owning our own building within 2 weeks but total re- financing of our entire business and assets with very competitive rates and term savings. Kim also helped us with our personal Home loans in a very tricky situation. I would strongly recommend using his services and am confident you would benefit as have myself, and my business partner.
Chris Bright
General Manager
Active Power Ltd

We would like to thank you for making our re-financing so effortless. Thank you for coming to our house and helping to fill in all the forms and shortcutting all the drama that goes with banks & finance companies. You made it so easy. We would definitely recommend your services to others and look forward to catching up again next time. Thanks again.
Mr and Mrs Knight

Kim Lyons has been our Mortgage Broker for approximately 4 years and throughout this period he has always demonstrated a high level of professionalism, integrity and tenacity.Over this period we have grown substantially from initially a home mortgage to multi million dollar development and build projects. His ability to obtain funds throughout this spectrum has never ceased to amaze us. We would recommend Kim to any potential borrower.

We have known Kim Lyons for approx 5 years, as our mortgage broker. Kim has always provided us with sound and realistic advice regarding our mortgage options, and is always available when needed. Kim has provided a mortgage for our family for a home in Wharf Road Herne Bay. Working with Kim is always a great pleasure, as he is efficient, approachable and willing to take on a challenge. Kim has obtained another mortgage for us recently, for a property in the Eastern suburbs, and again, was willing to be flexible to try and find us the best deal for our circumstances. What seems like the impossible does not ever appear an obstacle to Kim, who works hard to get a successful outcome for a mortgage. We recommend Kim to anyone seeking a mortgage solution.
Ann and Paul

Having used Kim Lyons expertise on numerable occasions over the last 10 years, I would be more than happy to recommend him. Kim has always given myself, family members and friends his best attention and advice, explaining the financial terms in layman language and making, what we thought a difficult and time consuming exercise, easy. We wish him well in this new company, and will be calling on him with all future financial dealings, when they arise.

First Rate Mortgages - "Financial Fresh Air"