We specialise in helping first time home buyers in NZ

With banks forced to restrict low deposit home loans, we are focused on helping first home buyers in NZ with our bank and non-bank options for a first time buyers home loan. Our registered and experienced mortgage brokers based in Auckland and operating throughout NZ can work with you to increase your deposit with KiwiSaver and HomeStart grants, a second mortgage or even a guarantor.

Low deposit home loans are creating opportunities for many first time home buyers in NZ to beat the rent trap, and first home buyers are building a new home even though they have minimal savings as a deposit with our help. With just 5% deposit we may be able to assist you with building a new home using a nationally recognised building brand.

If you think your deposit for a first home buyers loan is too small or your bank does not understand your circumstances, contact the friendly and knowledgeable team at First Rate Mortgages today.

“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 to you, we still would have been renting and wouldn’t have dared to think of owning a house. ”

Shirley & Raghuel