Out-the-box thinking with debt consolidation & mortgage refinancing

First Rate Mortgages is one of New Zealand’s leading experts when it comes to debt consolidation, mortgage refinancing, and helping clients with top ups on an existing mortgage. We offer a comprehensive range of services that are tailored to your specific needs, and have helped hundreds of clients with mortgage refinancing when traditional banks have been unable to.

As most mortgages are approved on a 25 - 30 year term, it makes sense that what worked for you as a first home buyer may not suit your needs later in life. Interest rates change, new products are developed, incomes will change, your priorities may shift, from minimum payments on interest only to more aggressive debt reduction with higher or lump sum repayments. Just like wills and insurance, your home loan should be reviewed and you can talk to us.

“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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