New Home Buyers & Low Deposit Home Loans

The team at First Rate Mortgages has a unique skill set to help first home buyers and those needing low deposit home loans in NZ. We can also discuss your options with you if you wish to use your KiwiSaver savings or HomeStart grant to buy an existing home or a new build.

Are you an existing home owner and looking to trade up or sell down. Do you need help with your fixed rates, a top up or advice on repaying your own home loan quicker? We can help you.

With over 68 years of financial and home loans experience in NZ, we have developed a reputation for providing professional and quality services to first home buyers. We understand home loans, and in particular low deposit home loans, and are committed to providing a comprehensive service with a focus on each individual client.

We are also closely following the media releases of KiwiBuild. We will have regular updates in our email newsletter to assist first home buyers to understand the details and process of applying for a KiwiBuild home loan. Click subscribe to register.

Contact one of the friendly team at First Rate to find out more about home loans for first home buyers, new builds, low deposit home loans, fixed or floating interest rates, or for help understanding information that is available on accessing KiwiSaver savings or HomeStart grants. We can take the stress out of buying your first home in NZ.

“The team at First Rate Mortgages have looked after our financing, purchases, and new builds for 10 years now. We like the friendliness, personal touch, and professionalism of the team there, and would highly recommend them to anyone thinking of purchasing a home or refinancing.”

Paulette and Murray

“Raymond was wonderful from start to finish with what initially I thought could be very difficult due to circumstances. I can not thank him enough for all his help and recommend him very highly! When we buy again, we will be asking Raymond to assist us again.”


“From day one Allan was fantastic to deal with and help both my wife and I throughout the whole process of buying our first home. After being overlooked by so many banks and other Mortage Brokers Alan gave our family hope of finally owning our own home. We are ex aucklanders that have moved to the sunny Hawkes Bay with our young family of two children. I would recommend Alan to any one who is looking at getting onto the property ladder and wish him all the best.”


“Excellent service from Yvonne and Kim from start to finish. Nothing was ever too much for them and the service first class. Thank you for making this process so stress free and easy to understand.”

Jacqui Lumb

“I give the highest rating possible to First Rate Mortgages Ltd. I have been poorly treated by the banking community recently. The staff of First Rate Mortgages were incredibly professional and dedicated to getting me a timely loan and quality mortgage experience. I received a $200,000 loan and First Rate Mortgages helped me through all of the challenges and quickly got my new mortgage in place and to my complete satisfaction. Give them a try -- you won't be disappointed.”

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