Rental Investments & commercial Property



Do you know why you should talk to us first before investing in property? The team at First Rate Mortgages have collectively lived and worked in New Zealand for over 85 years and have a strong working knowledge of property investment. We offer flexible non-traditional solutions to investing in property, with advice on interest rates, debt consolidation, mortgage refinancing and competitive home loans.

With Banks currently limited to 70% on existing rental investment, unless linking in equity from say your own home, we are pleased to now be able to offer a product with up to 80% through a “new to market” lender. Interest rates are still favourable with a maximum lend of $3.0M across multiple properties.

Investing in property in New Zealand has become popular and to be successful you need to avoid the common mistakes investors make. Talk to the rental investment specialists for money management and debt advice and make smarter choices and decisions. We go above and beyond traditional banks and mortgage advisers, to help you buy your first rental and look after your rental investments. Call one of the team at First Rate today to find out more about our comprehensive range of professional property and rental investment services.


“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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