Privacy Policy

This statement discloses the privacy practices for First Rate Mortgages Limited, New Zealand Web site.

Because First Rate Mortgages Limited and our mortgage brokers want to demonstrate their commitment to your privacy, we have agreed to disclose our information practices and to notify you of:

  • What personally identifiable information or third-party personally identifiable information is collected from you through our NZ Website.
  • The organisation collecting the information.
  • How the information is used.
  • With whom the information may be shared.
  • What choices are available to you regarding collection, use, and distribution of the information.
  • The kind of security procedures that are in place to protect the loss, misuse, or alteration of information under First Rate Mortgages Limited control.
  • How you can correct any inaccuracies in the information.

Q. What personally identifiable information or third-party personally identifiable information is collected by First Rate Mortgages through our NZ Website

A. At First Rate Mortgages Limited we respect your right to privacy and we understand that, as a visitor to First Rate Mortgages Limited, you prefer to control your own personal information and preferences. For this reason, we may ask you to register or to provide personal information and preferences when you visit certain areas of First Rate Mortgages Limited, request information, or subscribe to First Rate Mortgages Limited Newsletters.

We will guard the personal information you share with us to ensure the content, services, and advertising that we provide on First Rate Mortgages Limited are always tailored to your current, designated preferences.

When you provide First Rate Mortgages Limited with your name (or alias), e-mail address, mailing address, or telephone number, and you "opt in," First Rate Mortgages Limited and First Rate Mortgages Limited representatives may use the provided information to alert you to product upgrades, special offers, updated information, classes, new services, and other First Rate Mortgages Limited related information. ("Representatives" include value-added resellers and authorised training partners.) First Rate Mortgages Limited does not offer, or allow the selling of, any user-provided information to third parties.

First Rate Mortgages Limited respects the rights users give us when opting to receive e-mail communications and enforces internal policies to preserve those rights. It is our objective to retain the long-term ability to continue to communicate with our users.

If you do not want First Rate Mortgages Limited or First Rate Mortgages Limited representatives to contact you, you may "opt out" of this preference at any time, whether you're online or by contacting First Rate Mortgages Limited directly. As part of your preference flexibility, you'll always have the option to opt back in and have First Rate Mortgages Limited contact you based on your previous or new preferences. For instructions, please see the "Contact Us," page.

If you choose not to register or provide personal information, you can still visit our web site; however, you will not have access to areas that require personal identification.

Q. How First Rate Mortgages Limited will protect your personal information

A. First Rate Mortgages Limited will always protect the personal information that you share with us. First Rate Mortgages Limited stores information internally in a controlled, secure environment. If First Rate Mortgages Limited requests general demographic information, this information is limited to reporting purposes only; members remain anonymous. Phone numbers, e-mail addresses, and postal addresses are never shared for demographic reports with outside entities.

First Rate Mortgages Limited may occasionally present a special contest or promotion that is sponsored by another company. To qualify for entry, we may ask you to provide personal information. If we plan to share that information with the sponsor(s), we will provide an up-front statement to that effect.

Q. How do I update my personal information and preferences

A. You can help First Rate Mortgages Limited maintain the accuracy of your personal information by notifying us when you change your name, address, title, phone number, e-mail address, or your content preferences. If at any time you wish to update your information or preferences, or you prefer to stop receiving communication from First Rate Mortgages Limited, feel free to contact us at any time. First Rate Mortgages Limited.

Privacy contacts include:

Postal Mail:
First Rate Mortgages Limited
Attn: Privacy
P O Box 314095
Orewa, Rodney 0931
New Zealand

If you change your e-mail or postal address, please contact First Rate Mortgages Limited. In order to make the appropriate corrections, please include both your old and new address.

First Rate Mortgages Limited would like to receive your comments and questions about this Privacy Policy Please address comments or questions regarding the First Rate Mortgages Limited Privacy Policy to one of the addresses listed above (e-mail, or postal mail). First Rate Mortgages Limited may occasionally update, amend, or change this Privacy Policy based on user feedback and as needed or appropriate. All policy changes will be posted, and you will always have the opportunity to change your preferences.


First Rate Mortgages Limited Web sites may contain links to other "non- First Rate Mortgages Limited" sites. First Rate Mortgages Limited assumes no responsibility for the content or the privacy policies and practices of such Web sites. First Rate Mortgages Limited encourages you to read the privacy statements of these linked sites; their privacy practices may differ from ours.

“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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