Mortgage Broker for East & South Auckland

Giving practical advice on home loans or refinancing.

In 2000 Allan completed 11 years working with Emery Worldwide, an American-based multi-national freight forwarder, covering a variety of roles but specialising in customs brokerage. Allan then took up a role with Owens International Freight as Senior Customs Broker providing mentoring assistance for Junior Brokers. Allan was promoted to Customs Supervisor, leading the Customs Team and reporting to the Auckland Office Manager.

Professionally, Allan left the freight forwarding industry after 15 years and began a four year involvement in education helping to establish The Mathemagic Computer Tutor as a premier mathematics tutoring product.

Having fostered a love for education with his daughter and with many other families, in June 2009 an exciting opportunity arose to join a team of very experienced financial advisers at First Rate Mortgages Limited, to help provide advice to clients, often in the East and South Auckland area, on arranging and structuring home loans and mortgages. A strong focus for Allan is the number-one hindrance to families in achieving long term financial security – that is by helping them manage their finances better to repay that mortgage quicker. In the current financial climate Allan is also helping many people refinance and consolidate their debts to help them survive as incomes may have dropped through redundancy or less hours worked.

Allan certainly understands that when you purchase a home you should not spend the next 30 years paying it off. The same rules should apply when you either move to a new home, consolidate your debt, or buy a rental property. Allan is a firm believer in helping clients with the discipline of money management. You can see what Allan's clients say on the reviews page.

Allan has a special ability to help people who may have had a financial mishap, get back on track. There are now many happy home owners that Allan has helped, who may have once thought that home ownership was impossible, due to bad credit or some missed loan repayments.

Allan has now completed the National Certificate in Financial Services (Financial Advice) (Level 5) for both Residential Property Lending and Insurance Advice, and has become a Registered Financial Adviser to meet the new Government industry standards for 2011.
If you need the services of a mortgage broker in East or South Auckland, who is a registered financial adviser, for help with home loans, refinancing your mortgage, especially as a first home buyer with a low or gifted deposit, Allan is available to meet you at your home, office or even a local cafe!

You can call Allan Nicol 7 days a week.


“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.”