“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

“Yvonne and Kim have transformed our lives with the lender they were able to source for us. Yvonne was very thorough, genuinely cared and really went the extra mile. I will be forever grateful to First Rate Mortgages for the help they gave my family. I highly recommend them and have already referred a friend.”


First Rate Mortgages have advised me on two occasions about my financial situation and lending. On both occasions they have been excellent. Kim Lyons and his team are highly professional, extremely organised and all of my dealings with them have been handled in a very timely manner.

Dealing with Kim Lyons and his team have been a real pleasure to work with, and I highly recommend them.


“Fantastic, solved the problem of getting us into our home in a non bank capacity. We are self employed, just returned from the UK. Being non bank the costs were greater than a bank but better than no options at all. Thanks for the great service guys.”


“Danielle has been a revelation to our business down here in Christchurch. We hadn't physically met Danielle for the 6 months of dealing with her but that didn't matter at all! Her communication was fantastic, strides ahead of any service we'd received from other brokers. Both email and telephone communication was unparalleled. We work in a specialist niche of Christchurch property and Danielle managed to get her head around our needs in no time. She provided us with new avenues for funding that were previously untapped resources. We've now expanded our operation and due to Danielle's efficiency, the funding aspect is no longer the huge laborious task it was with other brokers! I would, and I do, recommend Danielle to anyone who is looking for the best broker.”


“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.”


“Great team and result from a difficult set of requirements, Natalie and the team worked very hard and obtained a positive result and we now have a family home we will all treasure.”

Brian Mahy

I was in a desperate position after COVID forced me to close my company.

My bank did not want to help me because of the state of my accounts – because of COVID. I applied for a mortgage with a non-bank entity but was declined.

With my financial position, and my credit rating, hitting rock-bottom, I contacted First Rate Mortgages and was greeted by a friendly and understanding, yet very professional team. They have been very thorough in their investigation into my requirements and position and got me a mortgage just in time.

Thank you so much, Rosemary and team!


Absolutely incredible service, we are beyond happy we had Raymond walk us through from start to finish. We were astounded with the level of patience, persistence and performance. These guys really work for you and give you results. We would have asked hundreds upon hundreds of questions and ours was a tricky application but Raymond was incredible and helped us reach our dream. So much advice and great communication throughout the entire process, could not fault First Rate Mortgages, this team are your best choice for achieving your goals!

Thank you Raymond, we will be forever grateful and will never forget the amazing work you did for us!

Claudine & Iain

“First Rate Mortgages are professional, friendly and encouraged us to keep going when we had almost given up hope of owning a home. Thanks again - we are grateful for all your help!”

Debbie & Fred

“I was introduced to Kim Lyons from First Rate Mortgages through a mutual friend. I found myself in a complicated financial situation and required the experience of a mortgage broker who could provide the solution I was looking for. After I made contact with Kim he came to visit me at my home the very next day. The paperwork was completed swiftly and thoroughly and in a matter of days Kim presented me with a few different financial options that met my criteria. Throughout the refinance process he was professional, honest and reliable. Kim Lyons and his team at First Rate Mortgages come highly recommended and I will most certainly be passing on his details to family and friends should they require financial assistance.”


“We had a tight deadline on getting finance for our dream home, and the banks process was very slow. We were panicking as it did not look like we would get our finance in time, so we decided to meet with Sarah and Kim at First Rate Mortgages. They were very positive and reassuring, and they got us our finance within two days, even though we needed to get a 90% loan. During the whole process Sarah kept following up with us regularly to let us know how everything was proceeding, which removed the stress from the situation, as we constantly had a clear idea of what was happening. Both Sarah and Kim were very helpful and even made themselves available outside of normal business hours to assist us. They gave such great advice and support throughout the whole house purchasing process which was incredibly valuable to us seeing we never bought a house before and had no idea what we were doing. The team at First Rate Mortgages are knowledgeable, helpful and completely transparent. We highly recommend them.”

Helene Taito-Jensen & Apollo Taito

“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

"First Rate Mortgages have given us guidance and assistance when preparing our application to purchase our first investment property. They were patient and supportive and knew exactly how to present our application in it's best light. When our own bank was unable to lend to us, First Rate Mortgages provided a few options that have allowed us to move closer to our investment goals. "


Allan and his team are miracle workers! We were able to consolidate debt and get the house all in one go and we couldn't be happier with the outcome. Allan was prompt with his replies, and he was very patient with us (seriously, I must have asked over 100 questions). We highly recommend Allan and First Rate Mortgages to everyone looking to mortgage a house and we look forward to asking for their assistance again in the future :)


“I used Kim and First Rate Mortgages for my 1st build and then stayed with them for my 2nd and 3rd. The process can sometimes be stressful; these guys know their stuff and realise its about people and their lives, not just banks. I highly recommend them and will definitely look to them again when I do my 4th build!”


“Kim and Natalie from First Rate Mortgages provided an outstanding service to us as we were looking to refinance. Kim made contact with us immediately and came to our home where he offered us sound advice and made the refinance process really clear for us. Natlalie and Kim, both provided ongoing contact with us throughout the process and were able to quickly obtain refinancing for us despite us being in a difficult financial situation. Their financial advice for future consideration by us has proved invaluable and we have no hesitation in working with them again in future or recommending their team for the use by others.”


“The process of using kiwi saver and the home start grant was complicated at times and I would have found it overwhelming without Amanda's support. She guided me through each step of the process and kept me up to date the whole way through. She was easy to contact and so helpful. Couldn't have done it without her!”


Our family are so happy we came across First Rate Mortgages. I knew we were in great hands after my initial call to enquire about their services. I laid out our situation (which was complex!), as I had done with several other brokers. What impressed me was that they emailed back later that day with a near-perfect recall and summary of all we had discussed, which meant...they were listening! Our house purchase was being conducted during a particularly busy time. At least 3 mortgage brokers still haven't got back to me and we've been in our new house nearly a month so it's a little late now! Within 48 hours they had an application on the way, and First Rate was onto it from that moment on. We then continued to work with Kim and Yvonne, who were excellent in their communication, availability, and determination to push things forward. We had some stressful moments, and tight deadlines to work through, but Yvonne and Kim pressed forward and weren't phased by the challenges. They really "fought for us", and this resulted in us being able to purchase the home we wanted, at the time we wanted. Put simply First Rate Mortgages live up to their name, a rarity these days, and we were super encouraged by their honesty, integrity, and dedication to their clients. Would certainly recommend them highly to anyone - you won't be disappointed!


“Our situation was complicated, time frames were restricted. We discussed our situation and needs with Kim and he delivered a solution which we were really pleased with. What a great guy to deal with very knowledgeable and professional.”

Lee-Anne & Chris Higgins

“Outstanding service and resolution to my problem within a short time frame enabling settlement prior to Christmas. The team listened to our circumstances and suggested a pathway through, then with careful co-operation through my Solicitor the required finance was provided on time and within budget. The services of First Rate Mortgages Ltd were professional and delivered smoothly to achieve my goal.”


“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.”


“I had a great experience with Yvonne at First Rate Mortgages.
Yvonne managed to provide a responsive and highly professional service during a very busy and stressful time. Yvonne has excellent contacts in the industry and helped me arrange a very competitive and flexible deal. I highly recommend her.”


“We have been working with Kim and his team for a few years now. We have found them to be persistent in obtaining the best outcome for us; sometimes under trying circumstances. This is now the fourth property we are financing with Kim and would recommend them for their dedication to service, exploring the best possible solutions and negotiating the most competitive interest rates for their clients. Thanks to Kim, Natalie and the team for your support!! ”

Sageran and Pinkie

“We used Kim Lyons for our recent purchase of a commercial factory unit , we also switched banks. Kim made this a very easy transition doing all the ground work on our behalf and negotiating a very good financial package for our companies, business and property portfolio. We would not hesitate to recommend his services and look forward to dealing with Kim in the future.”

Sharon Ward

“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

“We first dealt with Allan back in 2015 to try and secure our first step on the property ladder. He took the time to discuss what our options would be and how we could make it work. Needless to say he made it work - we secured the home loan and moved into our new home within 3 months of starting the process. As our 2 yr term was coming to an end and we could refinance to secure additional lending for renovations, Allan was our first port of call to discuss options again. Once again he came through with exactly what we were looking for. First Rate Mortgages is perfectly named - Allan's service, communication and abilities were First Rate.”


“I would recomend First Rate Mortgages to anyone who needs help with financing their house or who needs to consolidate debts. Special mention goes to Yvonne and Kim for their lovely service and the way they helped my husband and I to save our family home! There service was extradionary and they made us feel very comfortable about our situation.”

Tepa Pomale

“Natalie provided a first rate experience from start to successful finish.
My aims and dreams have been achieved with some unexpected extra bonuses negotiated for me! Wonderful, great communication throughout, and I can't thank you enough for your support.”


“We have used Kim at First Rate Mortgages for many years and when we were looking to purchase a property this year he was the first person we contacted, he is always professional, helpful and friendly and he always gets us the best rates with the banks. I have no hesitation in recommending him to anyone.”


“We were lucky enough to find Allan when we were just about to despair. Despite being young professionals with good incomes we needed a high LTV mortgage at a time when the banks were reluctant to even entertain them. We'd been turned down by several banks before finding First Rate Mortgages. Thankfully Allan was able to find us a deal with a main high street lender and even after the deal was concluded he continued to keep in touch and offer both great advice and a new perspective on paying off our loan. I wouldn't hesitate to recommend Allan to anyone who finds themselves in a more complicated or challenging situation. His personal approach to business shows that he actually cares about his clients and their financial well being.”

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