At First Rate Mortgages we understand that every individual is in a unique situation financially, and that what works for one person may not work for another. We are a lender that specialises in Non Bank lending and home loans that banks can’t always help with, such as self-employed, a start-up business, release of equity, payment of IRD tax arrears, saving a mortgagee sale, or applying for a bad credit home loan.

We deal with a large number of Non Bank lenders and mortgage providers, which means we can look at non-traditional lending solutions to help you. Chat to one of our friendly and experienced financial advisers today to see how we can assist you with Non Bank home loans or second mortgages if you are struggling with your bank. We have helped many clients who have bad credit, difficulty being able to provide evidence of their income, or who just don’t fit their bank’s credit policy.

We can help you find a Non Bank lending solution to get back on top of your monthly repayments, or get a home loan to buy that home or commercial property that you have always wanted.

“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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