First Rate Mortgages Ltd
Finance and Mortgage Brokers in Orewa

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"I have nothing but great things to say about Danielle and the First Rate Mortgages team. From the first point of contact Danielle did everything she could to get us back to the main banks, and explained everything in great detail at all times. The follow up was great, and we were informed all the way along. The advice continued after settlement, when we were looking at fixing our rates. Highly recommend both Danielle and First Rate Mortgages as the best people to use for your mortgage advice."

5th Oct, 2025  •  Rating by: Kirsten  •  Contact: Danielle Happy  •  Job date: Oct, 2025

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"First Rate Mortgages were most helpful in getting us the mortgage we needed and both Natalie and Kim understood the process inside out and gave us a most personalized experience . Natalie is amazing ,patient and on the ball"

18th Aug, 2025  •  Rating by: charlie  •  Contact: Natalie Siebrits  •  Job date: Jul, 2025

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"My second experience with Murray and First Rate Mortgages and once again we are extremely happy with the result and mortgage arrangements Murray has arranged for us. Great communication and a real understanding of what our needs were and finding the very best solution. Highly recommend and will be sticking with First Rate in the future."

10th Jul, 2025  •  Rating by: Philippa  •  Contact: Murray Moore  •  Job date: Jul, 2025

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"I cannot thank Leanne enough. She is an absolute miracle worker. I told her my story and what my goal was and without hesitation Leanne went to work at the worst time of year and the outcome was absolutely fantastic. I would highly recommend Leanne and the team at First Rate Mortgages Ltd. Prompt, Efficient, Caring with amazing outcomes."

21st Jan, 2025  •  Rating by: Kylie  •  Contact: Leanne Wallace-Smith  •  Job date: Jan, 2025

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Leanne achieve a better than expected result considering my age and the fact that i am a gambler. I would recommend her to anyone wanting a mortgage. Leanne kept me informed throughout the process it was a five star effort on her part."

20th Jan, 2025  •  Rating by: Robert  •  Contact: Leanne Wallace Smith  •  Job date: Jan, 2025

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"My experience with Leanne and First Rate Mortgages Ltd has been 5 star! From the start of the process to now Leanne has been supportive, gone above and beyond to achieve the desired outcome for my husband and I. She has made this process so much easier and been there the whole way to explain and support us. She is absolutely amazing. I will be recommending her and her company to anyone that needs this support. Outstanding service and support."

6th Nov, 2024  •  Rating by: Leanne  •  Contact: Leanne Wallace-Smith  •  Job date: Nov, 2024

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"We have engaged Natalie and First Rate Mortgages on many occasions and we find Natalie to have the utmost professionalism and always friendly, respectful and helpful to find us the right solution. She also liaised throughout the build with the lender on our behalf. Would highly recommend Natalie and any of the team at Frist Rate Mortgages."

26th Jul, 2024  •  Rating by: Claudia  •  Contact: Natalie Siebrits  •  Job date: Jul, 2024

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Excellent work, very helpful"

1st Dec, 2023  •  Rating by: Daryl  •  Contact: Raymond Daniels  •  Job date: Nov, 2023

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Danielle was great in providing advice throughout the refinance process. She was so helpful in setting us up for success and has helped us sort out our mortgage with back with a prime lender.

Really proactive and stayed in touch over quite a long period. Would recommend Danielle and first rate mortgages to anyone."

3rd Nov, 2023  •  Rating by: Richard  •  Contact: Danielle  •  Job date: Nov, 2023

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"I have once said this and will proudly say it again “We have been blessed with the best (Raymond)”. For the second time round, again Raymond have never failed to impress us. Raymond you have proved to us once again that you are the best person to deal with in terms of mortgage and re-mortgage. Your knowledge is impeccable and I would not ask for anything more. With very little time we had to re-mortgage, you only needed just that to successfully deliver a much lower interest rate and to top it all an unexpected amount of cash back. I cannot recommend Raymond enough; you just have to make contact with him to experience how fast, keeping you well informed, efficient and proactive Raymond is. Keep up the great work!"

25th Aug, 2023  •  Rating by: Katokakala  •  Contact: Raymond Daniels  •  Job date: Aug, 2023

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Danielle was an absolute rockstar! I had a slightly more complicated mortgage then most people but she handled it extremely well. She also tried everything she could to get me the best mortgage on the market and made sure I knew what I was doing, answered all my questions and made me feel really supported and informed through out the whole process, I would recommend her to anyone."

24th Jul, 2023  •  Rating by: Bridie  •  Contact: Danielle Happy  •  Job date: Jul, 2023

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Raymond is the person to contact if your wanting a professional, honest, prompt service. Anything to do with a mortgage, re-mortgage. I feel it's been a privilege that I've had Raymond assist me over the past five years with my mortgage needs and some of this was not strait forward. Raymond didn't give up, just his knowledge and patience helped me to achieve my mortgage needs. Raymond takes the stress out of the process. I can honestly say I've never felt stressed thru the process, how amazing is that, with Raymond on your side you can achieve your mortgage dreams and goals.
Nga mihi Bonnie"

23rd Jul, 2023  •  Rating by: Bonnie  •  Contact: Raymond Daniels  •  Job date: Jul, 2023

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"We had a complex situation to overcome with offshore investments and salaries combined with owning an SME domiciled in NZ and UK and US establishment branches. The AML was lengthy but had it not been for Natalie and Kim, we would have been left floundering and perhaps rejected given our unusual circumstances. I implore all expats returning to NZ to consider using First Rate Mortgages who made our experience seamless. Their advice was first rate as was their execution."

29th May, 2023  •  Rating by: Jen  •  Contact: Natalie Siebrits  •  Job date: May, 2023

Communication:	100%
Quality:	100%
Reliability:	90%
Value:	100%
Overall:	98%

"Yvonne was great to work with. She went above and beyond to get me a homeloan at a very difficult time in the market.
I would definitely use First Rate Mortgages again."

16th Jan, 2023  •  Rating by: James  •  Contact: Yvonne Revell  •  Job date: Jan, 2023

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Tën? koutou
My company Pongaroa Land Co Limited has been utilising the financial services of Kim Lyons and Rosemary Miller of First Rate Mortgage Brokers Ltd for the past 4yrs.
They have been instrumental in helping my business achieve its financial goals to enable various projects to be implemented and completed.
I highly recommend they're professional expertise, advice and support when sourcing finance for whatever your financial endeavours may be."

13th Jan, 2023  •  Rating by: George  •  Contact: Rosemary Miller  •  Job date: Dec, 2022

Communication:	90%
Quality:	100%
Reliability:	100%
Value:	90%
Overall:	95%

"Hi Natalie

Now that we have completed settlement on our new property we just want to say a massive 'thank you' to you and the First rate mortgage team.
We know we were tough customers with us being self and part time employed and wishing to purchase a larger rural property it wasn't going to be easy. We initially approached ten mortgage brokers country wide with the same generic request with only 3-4 of them having any value to add and yourself being the only one to get the deal done with a mainstream bank.
We would highly recommend yourself to others with challenging financial circumstances.

Best regards

Lyall & Trish"

26th Oct, 2022  •  Rating by: Lyall  •  Contact: Natalie Siebrits  •  Job date: Oct, 2022

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"I speak for my entire family in giving Kim Lyons, Danielle Happy and the whole team at First Rate Mortgages Ltd our highest recommendation. We have been fortunate enough to have them represent us for the past 20+ years, with successful outcomes for multiple members of our family. Our most recent dealings with Danielle have been complex, and have spanned both time and place. With four people in different parts of the country, it has not been an easy task. However Danielle managed to keep each of us individually on track, informed and updated at every turn. She also afforded us with her knowledge, respect and uplifting humour when times were tough. It is fair to say, our recent positive outcome would have been very difficult to achieve elsewhere.
We are deeply grateful for their expertise and will continue to recommend and ask for their services well into the future."

16th Sep, 2022  •  Rating by: Joanne  •  Contact: Danielle Happy  •  Job date: Sep, 2022

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Our settlement on the 09/08/22 wouldn’t be possible without the help from you Raymond. Your help started from that first phone call I can boldly remember. You have so much knowledge that we really needed as a first time buyer. You have so much patience in providing us with information we needed to know and understand to make an informed decision. Words are not enough to express the service and outcome provided by Raymond our brilliant adviser. When we thought hope was lost Raymond found hope and came through for us. We are grateful for your service Raymond. You are professional and very efficient. We re blessed with the best!"

29th Aug, 2022  •  Rating by: Kato & Isi  •  Contact: Raymond Daniels  •  Job date: Aug, 2022

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"For the second time around, Yvonne and the company really proved their competence, care and overall superb service as she was able to successfully assist us in moving to a better and lower interest rates for our mortgage. Definitely will seek their assistance again in the future. Keep up the great work."

20th Jul, 2022  •  Rating by: Nelson  •  Contact: Yvonne Revell  •  Job date: Jul, 2022

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Danielle was our broker and at all times she was professional, fast, efficient and a nice person to deal with. I can’t recommend her highly enough!"

26th May, 2022  •  Rating by: PAUL  •  Contact: Danielle Happy  •  Job date: May, 2022

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Yvonne was amazing, she was so patient with our several attempts at buying a property in Auckland. After approx. 18months of failed auctions and bids we finally secured a property; without Yvonne's hard work negotiating with the lenders this would not have been possible."

25th Feb, 2022  •  Rating by: Barbara  •  Contact: Yvonne Revell  •  Job date: Feb, 2022

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Natalie was awesome, from start to finish. As first home buyers, she took us through every step of the process, answered all of our (many) questions and really educated us. She really helped us get our accounts into line, teaching us throughout so we could present the best possible case to lenders.

In a tough, competitive housing market, she was crucial in getting us over the line and making sure we were confident with our offers we were presenting. Once the loan was secured, she was still more than happy to answer any questions.

100% would recommend for anyone that needed a broker!"

7th Oct, 2021  •  Rating by: Heather  •  Contact: Natalie Siebrits  •  Job date: Oct, 2021

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"My wh?nau and I are very pleased that we made contact with First Rate Mortgages, after my first conversation with Rosemary, I knew then that we had made the right choice to go through First Rate Mortgages. Rosemary was kind, friendly and very witty, which made the process very comfortable. After explaining my situation to Rosemary, she told me to leave it with her and that's exactly what I did. Rosemary gave great advice and spoke to me in a way I could understand it all. Thank you Rosemary and the team at First rate mortgages for giving me and my wh?nau the opportunity to own our first home. Ng? mihi nui Rangiwahia"

23rd Jul, 2021  •  Rating by: Rangiwahia  •  Contact: Rosemary Miller  •  Job date: Jul, 2021

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"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!) to Lorraine, as I had done with several other brokers. What impressed me was that Lorraine emailed back later that day with a near-perfect recall and summary of all we had discussed, which meant...she was 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 Lorraine 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!"

24th Mar, 2021  •  Rating by: Kris  •  Contact: Yvonne, Kim, Lorraine  •  Job date: Feb, 2021

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"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!"

23rd Mar, 2021  •  Rating by: Chris  •  Contact: Rosemary Miller  •  Job date: Mar, 2021

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Raymond has been helping with our family's mortgages since 2017 and he has never let us down throughout the years. We have done a wide variety of mortgage applications, some very complex and some unusual. Examples include mortgage applications to non banks, refinancing, turn-key and construction loans. Raymond gets the job done no matter the circumstances!"

10th Mar, 2021  •  Rating by: Jun Sik  •  Contact: Raymond Daniels  •  Job date: Mar, 2021

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Raymond helped us when banks were not really listening to us. He was very calm thorough and professional we really appreciated the effort he went to for us. He explained what the requirements were and how the various factors would be interpreted by the lenders and our choices. And he delivered! We thoroughly recommend Raymond for your mortgage requirements."

4th Mar, 2021  •  Rating by: Duncan  •  Contact: Raymond Daniels  •  Job date: Mar, 2021

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"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!"

13th Feb, 2021  •  Rating by: Claudine & Iain  •  Contact: Raymond Daniels  •  Job date: May, 2020

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"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 FirstRateMortgages to everyone looking to mortgage a house and we look forward to asking for their assistance again in the future :)"

12th Feb, 2021  •  Rating by: Jared  •  Contact: Allan  •  Job date: Feb, 2021

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Raymond Daniels from "First Rate Mortgages" has advised me on two occasions about my financial situation and lending. On both occasions he has been excellent. He is highly professional, very calm and patient with explaining everything in detail and extremely organised and all of my dealings with him has been handled very well. Dealing with Raymond has been a real pleasure to work with. He is a person who will make it happen if you have been denied or ignored from other lenders. I was so fortunate to find him and I will always use him in future "Very Highly Recommended""

25th Jan, 2021  •  Rating by: Arvin  •  Contact: Raymond Daniels  •  Job date: Jan, 2021

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Raymond was just amazing! He helped us to refinance our mortgage and get a top up to help renovate & for our daughter wedding. We had some issues with the bank who declined us but as with many reviews I have read, Raymond got us over the line. He was patient, calm & listened to our story without any judgment. We are so grateful for your guidance, suggestions and overall service - so highly recommend First rate mortgages. Thank you Raymond, I’ll be referring my kids over to you when they go for their mortgage.
Lani"

18th Jan, 2021  •  Rating by: Lani  •  Contact: Raymond Daniels  •  Job date: Jan, 2021

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"I am so thankful to have Raymond as our advisor. All the hard that he had done for us we appreciate it so much. God Bless and give you more strength to continue serving people with a kind heart and a trustworthy person to deal with.

Best Regards
Damaris Afato and Teofilo Afato"

11th Jan, 2021  •  Rating by: Damaris  •  Contact: Raymond Daniels  •  Job date: Jan, 2021

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Allan Nicol, exceeded our expectations. We were projected to lose our home we had purchased in 2019, due to accepting a loan with people that were interested in lining their own pockets. Allan took on our own case, with all the challenges, and gave us back our home, freedom but most of all. A renewed faith in brokers. Allan you truly helped us- you saved our home and kept our mental state stable. Thank you is never enough. Your a really nice person, and I will continue to recommend you."

14th Dec, 2020  •  Rating by: Pollyanna  •  Contact: Allan Nicol  •  Job date: Dec, 2020

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Raymond went above and beyond to help us purchase our new home. His communication was second to none; timely, efficient and he kept us in the loop every step of the way. I would highly recommend Raymond to anyone and everyone. Thank you for all of your help!"

23rd Sep, 2020  •  Rating by: Jennifer  •  Contact: Raymond Daniels  •  Job date: Aug, 2020

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Allan was a great help in realising our dreams of owning a house despite our financial circumstances. He was able to get us a home loan from generous private lenders when banks turned us down. He maintained regular contact and after one and half years, he was able to help us transfer to a bank. We are now in a much better state with our mortgage and overall financial status because of his help. First rate mortgages has delivered their promise despite the challenges amidst COVID restrictions . We will be forever grateful . Highly recommended for their genuine support and quality service."

14th Sep, 2020  •  Rating by: Melida  •  Contact: Allan Nicol  •  Job date: Sep, 2020

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Allan Nicol, he is an awesome advisor. Very helpful, prompt and efficient person. We had been rejected quite a few times by almost all the banks and most of the brokers until I met Allan from First Rate Mortgages. Now that Allan has made our dream come true, we have bought our very first home. We managed to work through in this desperate time of Covid-19 and am glad we made it through. We highly recommend Allan and First Rate Mortgages. We are really pleased with the service and will continue to work with Allan in future."

4th Sep, 2020  •  Rating by: Manjeeta  •  Contact: Allan Nicol  •  Job date: Sep, 2020

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Raymond was helping us purchase our first home . Withour him we couldnt be able to purchase our first home. Highly recommended for everyone"

1st Sep, 2020  •  Rating by: Amy  •  Contact: Raymond  •  Job date: Sep, 2020

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"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."

18th Aug, 2020  •  Rating by: Alice  •  Contact: Natalie Siebrits  •  Job date: Aug, 2020

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Raymond was awesome with getting us across the line. We had so many hurdles and Raymond never gave up on us when banks and other brokers said they couldn't help. Raymond was efficient with keeping us in the loop with everything. Thanks so much Raymond and to the team for your exceptional service. Will definitely use you again. Nga mihi."

13th Aug, 2020  •  Rating by: Anonymous  •  Contact: Raymond  •  Job date: Aug, 2020

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"We never thought we would get a mortgage before we talked to Raymond. Thanks for your dedication and constant communication with us through this stressful process. It was always going to be stressful but you made it so much easier!!"

10th Aug, 2020  •  Rating by: Jordan  •  Contact: Raymond Daniels  •  Job date: Aug, 2020

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	80%
Overall:	95%

"Great service, superb communication. Very satisfied."

25th Jun, 2020  •  Rating by: Barry  •  Contact: Hayley  •  Job date: May, 2020

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"First Rate were excellent at helping me get a mortgage during less than ideal circumstances , Lorraine liased with the lawyer and organised pretty much everything and nothing was a drama to sort out , I would highly recommend these guys ."

23rd Jun, 2020  •  Rating by: Jeremy Smart  •  Contact: Lorraine Macdonald  •  Job date: Jun, 2020

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Would Like to say thank you for the best service provided by Raymond!!!
Kept me up to date with everything and communication was great!!!
Will definitely recommend as a Broker!!!"

22nd Jun, 2020  •  Rating by: Marzanne  •  Contact: Raymond Daniels  •  Job date: Jun, 2020

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Yvonne has talked to me about so many different great options to get onto the property ladder.
If I have questions she has always made herself available to answer them.
Couldn't recommend her enough as a fantastic Customer service oriented representative.
Look forward to dealing with her more in the future!"

10th Jun, 2020  •  Rating by: Solomon  •  Contact: Yvonne  •  Job date: Jun, 2020

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"We had a bit of a more complicated mortgage application and wanted to use a broker but had no idea who. We found Allan and from the first minute on he was there for us. Everything was easy to understand, Allan communicated well and he went well above and beyond! Professional, helpful, friendly, supporting and very patient when I again didn't understand something :-). There was nothing we were missing and we were always fully informed of what was going on. I can only recommend Allan - you won't find a better broker in NZ! :-) Thank you Allan! We are now happy and relieved home owners - because of you. Our dream is now reality."

8th Jun, 2020  •  Rating by: Alexandra and Hans  •  Contact: Allan Nicol  •  Job date: Jun, 2020

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"We decided to use a mortgage broker for our first home and found First rate mortgages, where we were introduced to Allan. Straight away he got to work helping us, sorting through our situation and finances. He didn't disappoint, kept everything as simple as he could and explained everything, which wasn't easy for first home buyers, as we had no experience with these things. Allan made it look easy. Even with all the uncertainty around home loans and then the covid lockdowns, we had a long road ahead. Allan continued helping us everystep of the way and thanks to his hardwork we secured our first ever home loan and now own our first home. Thank you so much Allan! We couldn't have done it without your help ????"

8th Jun, 2020  •  Rating by: Rose and Ben  •  Contact: Allan Nicol  •  Job date: Jun, 2020

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"I never actually thought I would achieve getting a loan after the way the bank had treated me. Yet it all happened so quickly and efficiently it really blew me away. I’m so totally impressed by the whole experience. And so grateful. Danielle was so easy and delightful to work with. She did an amazing job. Danielle was clear about what I needed to bring to our first meeting and she helped me fill out all the forms and work out the figures. It was quick, not drawn out and basically after a couple of clarification phone calls Avanti granted me a mortgage. Amazing! Thankyou All!!!"

29th Feb, 2020  •  Rating by: Clare  •  Contact: Kim Lyons/Danielle Happy  •  Job date: Feb, 2020

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"I went to Danielle with a tricky mortgage application that another broker in the same market wasn't able to help with. She was polite, communicated well, and got the job done in no time. Highly recommend these people."

28th Feb, 2020  •  Rating by: Fletch  •  Contact: Danielle Happy  •  Job date: Feb, 2020

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"First Rate Mortgages are my go to people and they never fail to deliver. Magicians that's what they are. Kim's calm manner is comforting when you think the wheels are going to fall off your latest projects and then bingo he helps put the wheels back on.
But it is Danielle Happy that really casts the spells...she is a wizard"

25th Feb, 2020  •  Rating by: KAREN MILLS  •  Contact: KIM LYONS  •  Job date: Feb, 2020

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"I have used First Rate Mortgages in the past and have been completely satisfied on each occasion. Their staff and follow up is excellent. I would highly recommend them to anybody seeking a loan on a residence."

19th Feb, 2020  •  Rating by: Bob  •  Contact: Danielle Happy  •  Job date: Feb, 2020

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"My communication and acceptance was the smoothest transaction. Danielle is extremely professional, engaging and encouraging. Very open communication both by phone n email. I highly recommend First Rate Mortgage and Danielle as the first point of contact. 5 stars"

19th Feb, 2020  •  Rating by: Anne  •  Contact: Danielle Happy  •  Job date: Feb, 2020

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Raymond gave us top service not just from start to finish but also after to ensure that we were happy and had all our questions and concerns were addressed quickly. Raymond and the PA were very responsive and always ensured we understood everything. We are so pleased with the service and wouldn't use anyone else now. I have also recommended him to a couple of friends. Thank you Raymond!"

13th Dec, 2019  •  Rating by: Praveena  •  Contact: Raymond Daniels  •  Job date: Nov, 2019

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Best experience ever with First Rate Mortgages, Raymond treated me so well from start to finish and helped us in so many ways, I highly recommend it to anyone who's looking to buy or invest in property."

11th Dec, 2019  •  Rating by: Rubens and Eliana  •  Contact: Raymond Daniels  •  Job date: Dec, 2019

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	80%
Overall:	95%

"Raymond Daniels has been the light to guiding our way to purchasing our first home. From using a second tier lender to mortgaging with the bank of our choice.
Raymond has saved us time money and stress. We are forever grateful. We highly recommend him and will continue to work with him on our next project. Thank you."

10th Dec, 2019  •  Rating by: Betty  •  Contact: Raymond Daniels  •  Job date: Dec, 2019

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Genuine people who consistently went above and beyond for us. So happy with their work and would 100% recommend them. Danielle was our point of contact and she was amazing- such a hard worker and so kind! We were very lucky to have their help through this process!"

10th Dec, 2019  •  Rating by: Ro  •  Contact: Danielle Happy  •  Job date: Dec, 2019

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Raymond Daniels has made my process as a "first home buyer" transitioning from a "second tier bank loan" to an actual bank as carefree as possible of a transition. His help, his guidance and his understanding of the home loan process has saved me time, money and my senses. A+ Customer service, highly recommend Raymond Daniels and will be working with him in future :)"

9th Dec, 2019  •  Rating by: Nikolas  •  Contact: Raymond Daniels  •  Job date: Dec, 2019

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Danielle was amazingly helpful. I was not an easy customer to get over the line due to age over 50, single income and on a casual contract, but Danielle got me my wish to own my own home again. She rung and re-rung the lenders. The lender turned out to be my own bank. Thanks Danielle."

5th Dec, 2019  •  Rating by: Tracey-Lee  •  Contact: Danielle Happy  •  Job date: Nov, 2019

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Lorraine Macdonald was brilliant just when we thought it was impossible to get into our first home and were told it couldn't be done Lorraine came to the rescue and made it happen. She never gave up and went above and beyond to make it work. I honestly can't thank her and the crew at first rate mortgages enough for all the hard work and dedication to getting this over the line a year down the track and we are now with a mainstream lender which could not have happened without their help. Anyone out there who has been told it can't happen don't give up speak with Lorraine and she will put you on the right path. Her experience and knowledge of the business is exactly what you need. Thanks again Lorraine!"

5th Dec, 2019  •  Rating by: Trae Austin  •  Contact: Lorraine Macdonald  •  Job date: Dec, 2019

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"This is to say how happy and pleased we are with the service Raymond provided us in purchasing a home. So very patient and professional with every request. Thank you Raymond"

3rd Dec, 2019  •  Rating by: john  •  Contact: j, p & t  •  Job date: Dec, 2019

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"I am very with the help I received in securing a mortgage with 'First Rate Mortgages' Lorraine and Kim were very efficient and professional in there work and kept me on target to get the desired outcome. I would definitely recommend there services.

Many thanks,
Mark"

2nd Dec, 2019  •  Rating by: Mark Brockie  •  Contact: Lorraine Macdonald  •  Job date: Nov, 2019

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"We cant thank the team at First Rate enough for the hard work and commitment in securing our beautiful land. Rarely do you find a company with such dedicated staff that's so dedicated to their customers. Thank you team"

26th Nov, 2019  •  Rating by: Mark  •  Contact: Lorraine MacDonald  •  Job date: Nov, 2019

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	0%
Overall:	75%

"We have used First Rate Mortgages twice now &highly recommend this company. Raymond Daniels you have been an absolute angel through the whole stressful 2 times and we totally appreciate all that you have managed to do for us. Thank You Thank You Thank You :)"

21st Oct, 2019  •  Rating by: Charlene & Darren  •  Contact: Raymond Daniels  •  Job date: Oct, 2019

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Yvonne made the whole process of buying a house easy and stress free :)

She had great communication, and made us feel completely secure throughout the whole transaction."

21st Oct, 2019  •  Rating by: Bayley  •  Contact: Yvonne Revell  •  Job date: Sep, 2019

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Danielle was absolutely amazing to deal with. Went above and beyond and even managed to help us get a reduced interest rate. I have passed her details onto several people as I found her extremely easy to deal with and a real pleasure. Thank you so much Danielle I will forever be grateful for you helping us into our first home."

11th Oct, 2019  •  Rating by: Kylie  •  Contact: Danielle Happy  •  Job date: Oct, 2019

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"To be honest without Danielle’s help over the past 6 + months non of this would have been possible! She has been with us every step of our journey so far and we look forward to dealing with her as we progress through our build stage. When other companies gave up and said it was too difficult Danielle stuck in and found us a solution. We are ever so grateful with her help and Kim’s even coming to meet us on his way through on his holidays. First rate mortgages are,in my thoughts a truly inspiring company stopping at nothing to help their customers"

27th Sep, 2019  •  Rating by: Simon  •  Contact: Danielle Happy  •  Job date: Sep, 2019

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Raymond has helped our family twice in the past 12 months. First one was getting a home loan approved through a non bank lender, as we had some issues with the credit history and no other main banks and other brokers weren't able to help us out. When everyone has turned around us, Raymond was there for us and he made it happen. It is as simple as that - Raymond is so good at what he is doing, so he makes the entire loan process appear seamless and easy, which is in fact was a very complex and hard case that no other broker even dare tried to help. He is credible and friendly and always takes a further step to help out as much as he can. After 10 months of being in a non bank lender, he has also helped us refinancing to a MAIN BANK, substantially reducing the amount of interest we were paying. We could not even think we made this far if it wasn't for Raymond. I am definite that I will be using his service for my next mortgage and will continue to do so in the future. Thanks Raymond for making this happen and to anyone reading this, you can take my word and ask for his advice and service. I am certain that he will exceed your expectations and deliver results."

26th Sep, 2019  •  Rating by: Jun Sik  •  Contact: Raymond Daniels  •  Job date: Sep, 2019

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"First Rate mortgages is first rate, We had never thought about using a broker before, and Allan was the best, We had a lot of struggles trying to buy our first home, we had been with 1 bank for 30 years, and they turned us down, so we left it to Allan, and we now have a home. I would highly recommend First Rate and Allan Nicol if you want to by a home. They are the best."

18th Sep, 2019  •  Rating by: Brendan  •  Contact: Allan Nicol  •  Job date: Sep, 2019

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"We are first time buyers and have purchased a lifestyle block through first rate mortgages. Yvonne was fantastic right from the beginning. Always willing to answer our questions and and give helpful information. We would not hesitate to recommend this company to friends and family. We will be in touch when we are ready to build! :-)"

5th Sep, 2019  •  Rating by: Emma  •  Contact: Yvonne  •  Job date: Aug, 2019

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Allan was the best broker I had worked with, very helpful, was there till the end of the day of settlement. Very reliable, good communication skills to be trusted. I would recommend him to every good clients I know."

3rd Sep, 2019  •  Rating by: Marilyn Morell  •  Contact: Allan Nicol  •  Job date: Sep, 2019

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	60%
Overall:	90%

"This was our first time using First Rate Mortgages and it certainly won’t be the last! Very impressive team, that went out of their way to understand our very difficult situation, tight timeframe and tailor a funding package to assist us. I can’t rate them highly enough and strongly recommend them. You won’t be disappointed!"

20th Aug, 2019  •  Rating by: GT  •  Contact: Danielle  •  Job date: Aug, 2019

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Raymond has helped us twice now.
He is in constant contact, he cases the providers and gets the answers.
He got us the answers we wanted and needed. I fully recommend Raymond. And we will use again.
Thanks from William and Terri."

19th Aug, 2019  •  Rating by: William  •  Contact: Raymond Daniels  •  Job date: Aug, 2019

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Danielle and team were very thorough in their communication from application to approval. Succinct and precise with their requests for information from us understanding challenging requirements from lenders. A++ service. Thank you Danielle and team."

16th Aug, 2019  •  Rating by: Amos  •  Contact: Danielle Happy  •  Job date: Aug, 2019

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Yvonne was amazing, she organized the finance for our first home with ease. She was very proactive remaining one step ahead of the bank and was constantly keeping us informed of the process. It was great to know what to expect next and to have an expert only a call or email away. Yvonne got our finance approved in about a week and than didn't hassle us while we spent three months finding the right place to buy, wish we could say the same for real estate agents!
We would not hesitate to recommend Yvonne or First Rate Mortgages and will be using them in the future."

5th Aug, 2019  •  Rating by: Gareth  •  Contact: Yvonne Revell  •  Job date: Jul, 2019

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Danielle has been a pleasure to deal with in getting our land purchase and build over the line. Extremely happy with service and communication. Thanks Danielle and the team for all your hard work and patience!"

17th Jul, 2019  •  Rating by: Aarron  •  Contact: Danielle Happy  •  Job date: Jul, 2019

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Raymond is a very calm and passionate person. Because of him I got my dream home ????"

4th Jul, 2019  •  Rating by: Adriano  •  Contact: Raymond Daniels  •  Job date: Jul, 2019

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Raymond Daniels @ First Rate Mortgages is a good listener, kind and very patient in dealing with his clients.
He carries a mindset to help people own a house, and he tirelessly works along with you at your pace, excellent communication,timing and good work ethics - Raymond, Our family is very grateful for the services you rendered, I dealt with several mortgages brokers in the past, they just treat you as number and they don't listen. Contact Raymond Daniels @ First Rate Mortgages explain your situation, be honest and he will find a way to help you. Thank you Raymond"

9th Jun, 2019  •  Rating by: ENOCK  •  Contact: Raymond Daniels  •  Job date: Jun, 2019

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Raymond was fantastic! He helped my get into my first home and didn’t stop until we got everything over the line. Was easy to deal with and always answered my panicked phone calls! Thanks again Raymond!"

30th May, 2019  •  Rating by: Jade  •  Contact: Raymond Daniels  •  Job date: May, 2019

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Great team, Excellent communication, and services."

12th May, 2019  •  Rating by: VIPUL  •  Contact: lorraine Macdonald  •  Job date: May, 2019

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Danielle was at all times very helpful, positive and informative about all the various aspects of the job and made the whole process so much easier for us.
Thanks Danielle for all your help in getting us from a to b"

9th May, 2019  •  Rating by: Paul  •  Contact: Danielle Happy  •  Job date: May, 2019

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"After finding ourselves in some financial difficulties due to Amy wife being off work for over a year with a major health issue, Raymond was able to arrange a mortgage refinance with a compassionate lender and sorted out all our problems. We are so grateful to First Rate mortgages and Raymond for helping us through this difficult time."

16th Apr, 2019  •  Rating by: Len  •  Contact: Raymond Daniels  •  Job date: Apr, 2019

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Raymond Daniels has provided me and my mother the reassurance that our hopes of buying a house is certainly obtainable and now a reality. We had already been declined by ASB Bank after a pre-approval was granted. However this time around the process and journey in buying our home with Raymond has been at every point a calming and understanding conversation with guidance on so many levels. He is truly a good lad and I thank him for his patience and persistence with our various demands. We first met with him we have purchased our first home and it was with his contacts and his commitment to us that we were able to achieve this. Thank you so much Raymond, we really appreciate your hard work."

21st Mar, 2019  •  Rating by: Nikolas  •  Contact: Raymond Daniels  •  Job date: Mar, 2019

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	90%
Overall:	98%

"Raymond was recommended to my son and I by a work colleague. She couldn't remember his contact number but luckily she remembered the name.
We had applied to the bank way back when my son first started working. 8 years on with the awesome help from Raymond we are proud first home buyers.
The bank hum and ha but Raymond cut the chase got an investor and voila we are happy homeowners. Thank you Raymond for your humble service. You are softly spoken patient stress free person and we are very grateful for your support in getting our first home buy. Thank you kindly. God bless. Betty and Nik."

21st Mar, 2019  •  Rating by: Betty  •  Contact: Raymond Daniels  •  Job date: Mar, 2019

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Conduct their business in a very professional and approachable manner. You are immediately confident that First Rate Mortgages will have the right tailored personal solutions, which alleviates stress for the customer."

7th Mar, 2019  •  Rating by: Keryn  •  Contact: Keryn Ryan  •  Job date: Mar, 2019

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Yvonne was absolutely polished, professional and friendly. She was also efficient, astute and diplomatic. I would recommend Yvonne to anyone seeking assistance with a mortgage, under all these grounds. My husband and I appreciate and value the expertise of Yvonne, and thank her sincerely for all of her expert assistance and advice at the 11th hour when we so needed help."

13th Feb, 2019  •  Rating by: Marcia  •  Contact: Yvonne Revell  •  Job date: Feb, 2019

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"I could definitely say that building our first home is such a roller coaster experience but the level of difficulty has dropped significantly with Danielle's help and support. We could not imagine sorting and going through all the financial matters without her. We've been through several difficult situations during the land and house build but she managed to find ways for us to get through it. There were times that the road block seems impossible to cross and we even thought that maybe the property was really not for us and it's better to back out but we're here now living in our humble home and it's because of Danielle's help. Also, she's not just a mortgage broker support person for us but she has given us tips on what to do on our new home based on her personal experience. This is one of the reasons that we trust her more than anyone else when it comes to making decision during the build for our home. We are very grateful of finding her as our mortgage broker support person. I would definitely recommend her to someone I know."

26th Jan, 2019  •  Rating by: LORIMER  •  Contact: Danielle Happy  •  Job date: Jan, 2019

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Raymond Daniels provided me with his vast professional experience, very efficient services and undoubtedly the most friendly and supportive manner throughout the whole process of the loan application.
Raymond returned my first call almost immediately and we made an appointment for the following day, a Saturday. Unlike my own bank, Raymond listened to me and respectfully asked me all the questions he needed to understand the whole picture of my financial situation. We spent more than 2 hours discussing and collecting the data for the application which was complex due to the involvement of a trust. Added to it was the urgency to have it all sorted before I was leaving for an extended period of time to look after my elderly father overseas.
Raymond was always confident, reassuring and patient answering all my questions.
Thank you Raymond and First Rate Mortgages for helping me regain control of my financial affairs. Now I have a plan for the future and I'm able to be there for my family as well. I have only praise for your work and unreservedly recommend your services."

3rd Jan, 2019  •  Rating by: Vanda  •  Contact: Raymond Daniels  •  Job date: Dec, 2018

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Danielle Happy has gone above and beyond to land us an affordable mortgage. She was professional and non judgemental and worked through each process with us. She never gave up and was detailed on what was required. Her hard work and commitment was greatly appreciated. She made a daunting process simple and easy. We always had the reassurance that she was working towards getting the best result for us which was not always the easy option. First Rate mortgages is an awesome company to deal with and i would 100% recommend using the service."

26th Oct, 2018  •  Rating by: Jenny  •  Contact: Danielle Happy  •  Job date: Oct, 2018

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Ray Daniels has been amazing from the outset, and has never stopped!! We are an older couple and was wondering if we were ever going to own our own home in Auckland after 4 years of a terrible experience with EQC in Chch which resulted in having to sell our ChCh property at a loss. Within 10 mins of contacting Ray, he replied. We took ownership of our AUCKLAND house late last week (30 Aug) which was a wonderful birthday present too! I can’t speak highly enough of Ray Daniels and I haven’t even met him face to face yet????????????"

5th Sep, 2018  •  Rating by: Raymond  •  Contact: Raymond Daniels  •  Job date: Sep, 2018

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Excellent service, support,help given to us by Raymond. It was amazing as we took over a year to finally get the house we liked. During this period Raymond was always there to guide us advising on possible pitfalls pointing out things and issues we should be aware of
We have now bought our home and now after a year or more actually met Raymond!
He is the man to go to!
Approaching First Rate Mortgages Ltd was the best safest and simplest way for us to buy our first home"

27th Aug, 2018  •  Rating by: Terince James  •  Contact: Raymond Daniels  •  Job date: Aug, 2018

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"First rate were awesome! Will definitely go back to them again for any mortgage.

Yvonne gives it that personal touch. She really cares."

24th Aug, 2018  •  Rating by: Janelle  •  Contact: Yvonne Revell  •  Job date: Aug, 2018

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"First Rate Mortgages have worked so hard to get us refinanced when no one else would. We were 100% financed on our own home and some rental properties. No one would refinance us unless we sold a couple of houses which would have been at a big loss to us financially as the market was at its worst. They helped us out at a bad time and have now got us lending with a mainstream bank at very good interest rates. I would highly recommend them. Thank you so much Amanda and Kim for all your hard work."

8th Aug, 2018  •  Rating by: Susan  •  Contact: Amanda Bennett  •  Job date: Aug, 2018

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Yvonne provided a professional and friendly service when I needed to refix my mortgage. She listened to my needs and delivered prompt results to a high standard. She was also very personable with her interactions, and was polite, friendly and clear with her communication throughout the process. I would highly recommend Yvonne and First Rate Mortgages for A+ service :)"

7th Aug, 2018  •  Rating by: Natalie  •  Contact: Yvonne Revell  •  Job date: Aug, 2018

Communication:	100%
Quality:	80%
Reliability:	100%
Value:	100%
Overall:	95%

"I worked with Amanda to refinance a property over July 2018, and it was a successful transaction. As an offshore Kiwi, I was especially grateful to Amanda for her willingness to take on my account and deliver a solid result to schedule, supported by responsive clear communication. Thanks Amanda!"

7th Aug, 2018  •  Rating by: Rowan  •  Contact: Amanda Bennett  •  Job date: Aug, 2018

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Lorraine was brilliant to work with. She understood our needs and her excellent timely and efficient work brought about a very professional positive result. We were given updates and all our questions were answered. We felt at ease dealing her. We also appreciated the call from Mr Lyons giving us confidence that a competent team is working on getting us the best possible result.
We will have no hesitation in recommending, Lorraine and First Rate Mortgage to our families and friends.
Thank you very much for a job well done."

31st Jul, 2018  •  Rating by: Savenaca  •  Contact: Lorraine Macdonald  •  Job date: Jul, 2018

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Excellent people. Did a wonderfully professional job in an amazingly short time frame. Yvonne and Kim came up with solutions to a sudden situation with real expertise. Communication was faultless and timely.
Most of all, they are decent caring people who are a pleasure to deal with. I recommend them unreservedly."

26th Jul, 2018  •  Rating by: Vicky  •  Contact: Yvonne Revell  •  Job date: Jul, 2018

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"I am sure during the whole house buying process you see people at their worst and they were just really patient and helpful through the whole process. However our experience with First Rate mortgages is just amazing since day1.

Amanda is so brilliant and she was the only broker who gave me the hope when I first got in touch everyone else dismissed me - she went the extra mile to try and contact lenders and find me a mortgage and I was really happy with what she found me and turning it all around.

I felt really looked after as a first time buyer especially with lots of queries that I had.

I think the fee I paid was really good considering all the work Amanda did to make this happen - I have just bought and me and my young family have moved into the most beautiful house with an affordable mortgage only possible because of her efforts. Thanking you by words is just not enough!"

13th Jul, 2018  •  Rating by: Prabu  •  Contact: Amanda Bennett  •  Job date: Jul, 2018

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"From the moment we made contact with First Rate Mortgage I spoke to Danielle, she was absolutely amazing, super helpful and on top of everything. As we were first home buyers we had no idea how the process worked, but Danielle advised us every step of the way, without her it would have been a nightmare! Danielle was professional, knowledgeable and very prompt on her responses. We would highly recommend this company to family and friends."

7th Jul, 2018  •  Rating by: Nalanie  •  Contact: Danielle Happy  •  Job date: Jul, 2018

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"We contacted Danielle late last year as we were in a desperate financial situation but had kiwisaver for a second-chance house deposit. Due to some personal adverse circumstances beyond our control over the past 10 years, we did not fit any criteria for mainstream lending. Danielle put our financial story together and presented it to some of her lenders who were willing to take a chance with us. Throughout the entire process and during the following months, Danielle has been outstanding to deal with and has kept in constant communication. Nothing has been too much trouble and at no stage did she ever make us feel like we were "losers" or that we weren't worth bothering with. We have now refinanced to mainstream lending and, again, have had the full support and encouragement that Danielle has always offered us. We will be singing her praises far and wide including the great team who assisted us. This has literally been life changing for us. YOU ROCK!!!!!!! Thank you, thank you, thank you"

25th Jun, 2018  •  Rating by: Michelle  •  Contact: Danielle Happy  •  Job date: Jun, 2018

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"In short, the whole process was smooth, effective and pleasant experience from start to finish. Raymond took the time to make sure the needs of everyone involved were met and organised the best deal available. I could not be happier!"

18th Jun, 2018  •  Rating by: Darryl  •  Contact: Raymond Daniels  •  Job date: Jun, 2018

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"First Rate mortgages are just that, first rate. Our dealings with Raymond were professional, efficient , just all round outstanding. Not only did he secure our finance , he helped find us the house. You could not ask for better service"

11th Jun, 2018  •  Rating by: Brett  •  Contact: Raymond Danials  •  Job date: Jun, 2018

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"I never thought it would be possible to purchse my own home. I contacted First Rate mortgages and felt at ease from the start. I was kept informed through every step of the process which went smoothly My dream came true when Amanda called and said my fiancé had been approved, I was so excited and emotional and so grateful for such an amazing experience and would definitely recommend Amanda and the team."

27th Mar, 2018  •  Rating by: Denise  •  Contact: Amanda  •  Job date: Mar, 2018

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Raymond has been absolutely Amazing and made every step of the way smooth and non stressful.
Every question was answered and solutions where found. I am eternally greatful."

22nd Mar, 2018  •  Rating by: Anna  •  Contact: Raymond Daniels  •  Job date: Mar, 2018

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Raymond is fantastic! He managed to secure us a mortgage before we even arrived in NZ. Once we had arrived, he helped us through the process of buying a house with patience, sincerity and understanding. The process was foreign to us and made more complex by our unusual financial situation. He guided us all the way, acting as a liaison between us and the bank. We feel like we made a friend in Raymond and couldn’t recommend him more highly."

20th Mar, 2018  •  Rating by: Rory & Margie Boardman  •  Contact: Raymond Daniels  •  Job date: Mar, 2018

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Raymond was amazing. He managed to secure my husband and I a mortgage when no other bank would look at us because of our age. He worked tirelessly and we are so grateful and thankful as we now have a place to call home. He was professional and kept us up informed all the way."

1st Mar, 2018  •  Rating by: Angela  •  Contact: Raymond Daniels  •  Job date: Feb, 2018

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"We have been very lucky to have worked with the team at First Rate Mortgages. We went thru them to buy our first home. Our financial situation was not the best but the team here has been able find terms that works for us.
From initial contact all thru the final and post purchase, we felt that they have gone above and beyond their duties. We have made several more transactions with the team as we feel they treat us more like family than clients. If given the chance, I would do all my financial transactions with them. Very personalised, professional and just very easy to deal with.
I have recommended the team to all my friends and we hope we get to work with first rate mortgages in the future."

23rd Feb, 2018  •  Rating by: Nikko  •  Contact: AMANDA BENETTE  •  Job date: Feb, 2018

Communication:	90%
Quality:	90%
Reliability:	90%
Value:	90%
Overall:	90%

"We contacted Raymond Daniels to help us secure a loan for our first home. I did not know a lot about the process. Raymond was so reliable and patient with us. He took the time to explain the entire process and made a very stressful time in our life so easy. He kept in touch through the process and made recommendations relevant to our situation. He was empathetic and showed that he genuinely cared. In the end we got the place that we wanted with a very good deal. Thank you Raymond for all your hard work and effort."

20th Feb, 2018  •  Rating by: Roshni  •  Contact: Raymond Daniels  •  Job date: Feb, 2018

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Thanks Natalie and Kim for your efforts.
Clear and fast communication all the time."

13th Feb, 2018  •  Rating by: Sue  •  Contact: 0223140102  •  Job date: Feb, 2018

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	80%
Overall:	95%

"Yvonne went out of her way to help us to get into our first house. It was very much appreciated. We are now in our first house thanks to Yvonnes hard work."

27th Jan, 2018  •  Rating by: Ryan & Trudy Manson  •  Contact: Yvonne Revell  •  Job date: Nov, 2017

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Yvonne provided us with an efficient and friendly service. We have not had to worry about finding a suitable mortgage as Yvonnne did this on our behalf. We would recommend using First Rate Mortgages Ltd."

6th Dec, 2017  •  Rating by: Liz  •  Contact: Yvonne Revell  •  Job date: Dec, 2017

Communication:	90%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	98%

"Easy process, great service and outcome. Yvonne knowledgeable and supportive."

6th Dec, 2017  •  Rating by: Karen Oates  •  Contact: Yvonne Revell  •  Job date: Dec, 2017

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Allan has been simply outstanding. He assisted us in buying our first home despite a large amount of personal debt. He touched base with us later on to see how we were tracking with keeping our personal debt under control. He then helped us refinance our mortgage to a bank, and it incorporated all of our outstanding personal debt. It isn't over the top to say this has all been truly life changing for our family! Thanks so much Allan."

27th Nov, 2017  •  Rating by: Sid  •  Contact: Allan Nichol  •  Job date: Nov, 2017

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"To start with the process of selling and buying has been a very interesting journey. The not knowing time which way and what was going to happen. But thanks to first-rate-mortgages we made it through. Selling & buying on the same day, to us was a miracle. Meeting with Kim Lyons was probably the most encouraging time that sure gave us hope.
Wow we could do it, having no extra cash but a debt free asset was suddenly turned around. Your trust in us has enabled us to purchase, what we call a amazing property, where we can continue our work in helping families in our community. As our property of 25 year will be used over the next years for development. I learnt that nothing is impossible to you, and you place people before money where you can help. The extra contacts I had to make when more money was needed Natalie never ever left you feeling as though you were a nuisance but responded with all the help we needed. Thank You Natalie. As time goes on to settlement date, some time away yet, it is because of you that enabled us to do what we do best. And what we love doing. A special thank you to all, but those involved that we came to know. Kim Lyons, Bruce Darwin and Natalie."

14th Nov, 2017  •  Rating by: Barbara  •  Contact: Barbara Stone  •  Job date: Nov, 2017

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"I have known Kim and Yvonne for about 2 years. They have organised a non bank finance for and investment when the new rulings for banks came up about the 60% rules.
They recently organised a second mortgage for a development project. When all banks said they could not do it Kim and Yvonne were able to help me out to get the funds to complete the development project until we could gain more equity.
I would highly recommend them for all your financial needs."

11th Nov, 2017  •  Rating by: Chamira  •  Contact: Yvonne Revell and Kim Lyons  •  Job date: Nov, 2017

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

""Thank you so much for all your help. Raymond was wonderful from start to finish with what initially I thought could be very difficult due to circumstances. But as I was ensured right from start that everything will be straight forward and Raymond outlined all the requirements, each step of the way and at no stage did I feel it was too tough. Raymond did everything for us as long as all my paper works were in place. I can not thank him enough for all his help and recommend him very highly, very clam and collective!! When we buy again, we will be asking Raymond to assist us again. Many thanks."

27th Oct, 2017  •  Rating by: Arvin  •  Contact: Raymond Daneils  •  Job date: Oct, 2017

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	0%
Overall:	75%

"Amanda was very helpful and done the best she could do for us, after a long 8 weeks we finally got there!"

20th Oct, 2017  •  Rating by: Jamie  •  Contact: Amanda Bennett  •  Job date: Oct, 2017

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"A very great team to work with , they have helped me on my hardest times with trustworthy and reliability , i would reccomend them to anyone in need for sure .

100% happy !!!!"

13th Oct, 2017  •  Rating by: Atasha  •  Contact: Raymond daniels  •  Job date: Oct, 2017

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"h"

18th Sep, 2017  •  Rating by: Hyrum-Daniel Dennis  •  Contact: Yvonne Revell  •  Job date: Sep, 2017

Communication:	90%
Quality:	90%
Reliability:	90%
Value:	100%
Overall:	93%

"Very very helpful.

Much appreciate Amanda's efforts in getting our finances more under control. Liaising with lenders and the bank to come to a productive outcome was great! All was done via email and the odd phonecall :)"

11th Sep, 2017  •  Rating by: Mike  •  Contact: Amanda Bennett  •  Job date: Sep, 2017

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"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."

2nd Sep, 2017  •  Rating by: Robert  •  Contact: Kim  •  Job date: Sep, 2017

Communication:	90%
Quality:	90%
Reliability:	90%
Value:	90%
Overall:	90%

"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."

1st Sep, 2017  •  Rating by: Brian Mahy  •  Contact: Natalie Siebrits  •  Job date: Sep, 2017

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	90%
Overall:	98%

"We will like to thank Natalie for going extra mile for us. When bank said no to us we were quite hopeless regarding getting mortgage but when i called kim and he introduce us to Natalie and everything changed . Within first month we got the positive answer and now in few weeks time we r moving to our own home. Thanks Kim,Natalie, Amanda for making our dream come true."

16th Aug, 2017  •  Rating by: Bijay  •  Contact: Natalie  •  Job date: Aug, 2017

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Yvonne and Kim were prompt communicators. Very confident of their products, they reassured us from the beginning, they could help and they sure did. They have transformed our lives with the lender they were able to source for us. Yvonne was very thorough and genuinely caring and she 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:)"

1st Aug, 2017  •  Rating by: Apolonia Muldrock  •  Contact: Yvonne Revell  •  Job date: Aug, 2017

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"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.
Thank you Allan!"

8th Jun, 2017  •  Rating by: Stuart  •  Contact: Allan Nicol  •  Job date: Jun, 2017

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Natalie, has been amazing to deal with and going the extra mile to ensure we fully understood everything in regards to non bank lending for us to build our house.
She then helped us secure a bank mortgage and getting the best possible deal for us.
Without any hesitation i would return to deal with her for any mortgage changes.
Thank you so much, for making the process so simple and straught forward."

30th May, 2017  •  Rating by: Rochelle  •  Contact: Natalie  •  Job date: May, 2017

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"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."

13th May, 2017  •  Rating by: Julie  •  Contact: Kim Lyons and Natalie Siebrits  •  Job date: Apr, 2017

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Cannot say enough.
Absolutely amazing."

30th Mar, 2017  •  Rating by: Karl  •  Contact: Yvonne Revell, Kim Lyons  •  Job date: Mar, 2017

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"I would like to thank Allan Nicol for an excellent job he provided, Allan worked hard on getting me a secure loan and he made the process so easy."

11th Feb, 2017  •  Rating by: Moses  •  Contact: Allan Nicol  •  Job date: Feb, 2017

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Outstanding service and resolution to my problem within a short time frame enabling settlement prior to Christmas. Yvonne listened to my outline of the context and detail circumstances of my situation and suggested a pathway through. Then with careful co-operation through my Solicitor the required finance was provided on time and within anticipated budget.

The services of First Rate Mortgages Ltd were professional and delivered smoothly to achieve my goal.

It was a particular pleasure to deal with Yvonne Revell.."

22nd Dec, 2016  •  Rating by: richard  •  Contact: yvonne revell  •  Job date: Dec, 2016

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"We got our first house because of Sarah and Kim and the wonderful team at First Rate Mortgages.
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."

8th Dec, 2016  •  Rating by: Helene Taito-Jensen and Apollo Taito  •  Contact: Sarah Markham and Kim Lyons  •  Job date: Nov, 2016

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"I would like to thank Allan for his fantastic service and help. He has gone the extra mile for and my husband.
First rate mortgage I am happy to have used your services."

30th Nov, 2016  •  Rating by: Virginia  •  Contact: Allan  •  Job date: Nov, 2016

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Kim and Yvonne were great to deal with. They were very responsive, prompt and kept us informed of progress. We are delighted with the outcome. Highly recommended."

22nd Nov, 2016  •  Rating by: Kevi  •  Contact: Kim Lyons  •  Job date: Nov, 2016

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Yvonne was exceptional to deal with, very supportive and was an excellent communicator. Made the experience very easy."

17th Nov, 2016  •  Rating by: Sharlene  •  Contact: Yvonne Revell  •  Job date: Nov, 2016

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Kim, Natalie and the team at First Rate Mortgages are dedicated, professional and always take the clients interest at heart. Natalie went beyond the call of duty to ensure we had the best deal possible. They kept us abreast of developments at all times, with suggestions and explanations on the various options. I recommend anyone to the First Rate Mortgage Team."

26th Sep, 2016  •  Rating by: Sageran  •  Contact: Natalie Siebrits  •  Job date: Sep, 2016

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"I can well recommend these mortgage brokers. Such 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"

24th Aug, 2016  •  Rating by: Jacqui Lumb  •  Contact: Kim Lyons & Yvonne  •  Job date: Aug, 2016

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"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."

2nd Aug, 2016  •  Rating by: Rome  •  Contact: Yvonne Revell  •  Job date: Jul, 2016

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"I would recomend these to anyone who needs help with financing their house or just wanted to consolidation debts - special mention goes to Yvonne and Kim for their lovely service and the way they help my husband and I to save our family home! There service was extradionary and they fully made us feel very comfortable about our situation:)"

2nd Aug, 2016  •  Rating by: Tepa Pomale  •  Contact: Yvonne Revell  •  Job date: May, 2016

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"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."

11th Jul, 2016  •  Rating by: Andrew  •  Contact: Kim Lyons  •  Job date: Jul, 2016

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"What an amazing service First Rate Mortgages provide!! It was a long process as I kept on missing out on houses at auction, but Kim and Emma have the patience of saints and we got there in the end. I really can't say enough good things about this company, who are always available to help and support you through the mortgage process. A special thanks to Emma, who I feel I know like a friend now, as we've been in contact so often - she made the stressful time of selling and purchasing a new home a lot easier for me and is definitely an invaluable team member at First Rate. It's so good to use local people who are extremely professional but also kind and sincere. Thanks to you both so much. Warmest regards, Jo"

7th May, 2016  •  Rating by: Jo  •  Contact: Kim Lyons & Emma Rammeil  •  Job date: Apr, 2016

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Absolutely 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 and your support, Natalie Siebrits, enough."

4th Apr, 2016  •  Rating by: Tip  •  Contact: Kim Lyons  •  Job date: Apr, 2016

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"With Kim and Linda's help we are now not just existing but living our lives. Thank you when we felt no one would be able to help us. We owe a great deal to the both of you. Keep being real people and giving others hope."

3rd Feb, 2016  •  Rating by: Donna  •  Contact: Donna Hinton  •  Job date: May, 2015

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"I have had an excellent experience with First Rate Mortgages. They communicated with me on ever step and kept me up to date."

3rd Feb, 2016  •  Rating by: James  •  Contact: James Murray  •  Job date: Feb, 2016

Communication:	90%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	98%

"Linda and Kim were incredibly helpful in helping my wife and I purchase our first family home. They were able to secure a much better loan than we could directly with the banks. They also worked tirelessly to ensure we got the loan all sorted before settlement, despite the short turn around., I would thoroughly recommend and have already done so to a number of people."

30th Oct, 2015  •  Rating by: James  •  Contact: Linda  •  Job date: Oct, 2015

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"I have recently just finished building my first house and used Linda through First Rate Mortgages to help broker and manage my bank to finance the project.

Linda has been absolutely fantastic to deal with and would highly recommend her no matter what agency she was currently working for. Very responsive and understanding of our specific requirements and situation. She was able to clearly explain all facets of the build process to us (from a financial perspective) and managed all the draw down payments from the bank.

Building isn't an easy project to undertake and anyone willing to put as much time and effort into helping to make it easier is top notch in my books. Linda is one of those people."

21st Oct, 2015  •  Rating by: David Brockelsby  •  Contact: Linda  •  Job date: Oct, 2015

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"I would like to express in few words just how much I truly appreciate what First Rates Mortgage broker Linda has done for me. With in minutes of sending her an email, I had a response and form that moment I no longer felt helpless. In just a matter of one week, she help me save my house. Linda I am sincerely grateful, I could not thank you enough, I feel truly blessed by the compassion you have bestowed upon me and my children."

16th Oct, 2015  •  Rating by: Dina Pauline Te Kira  •  Contact: Linda  •  Job date: Oct, 2015

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"We would highly recommend First Rate Mortgages. They were helpful, professional and friendly and encouraged us to keep going when we had almost given up hope of owing a home. Thanks again Natalie and Kim, we will always be greatful for all of your assistance."

26th Jun, 2015  •  Rating by: Danielle  •  Contact: Natalie Siebrits  •  Job date: Jun, 2015

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Linda was absolutely fantastic. She agreed to see us on extremely short notice, like and hour or two. She did her utmost to be available at a time that worked for us. Linda was very open and honest with us about our financial situation. She quickly appraised the best course of action, telling us what all the costs would be and explained why it was the best way to go. At the very same meeting she started the application process for us and helped us complete all the forms. She told us exactly what else we needed to provide. We then received an offer of finance back within 3 working days from first seeing her. First Rate Mortgages has exceeded our expectations. Many thanks."

25th Jun, 2015  •  Rating by: Jenny Partington and Mike Pirovich  •  Contact: Linda  •  Job date: Jun, 2015

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"These people are absolutely wonderful, fast,friendly and go to all extremes to help. There friendly natures make you feel so comfortable and I would never go anywhere else again. Would highly recommend to anyone who wants a good honest deal done."

2nd Jun, 2015  •  Rating by: Maree  •  Contact: kym lyons  •  Job date: Jun, 2015

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Wow!! There are no words to describe Linda and her team!! Forget Banks.... just use First Rate Mortgages. We can highly recommend them. The Banks were giving us the 'run around' and seemed to be trying their level best to find reasons why we should not be home owners. By chance, I was going through Google to find an alternative and there was First Rate Mortgages. I was sceptical at first when I called, but when we received a return phone call from Linda and Kim, they immediately flew into action for us. Yes, it has been hard work getting to where we are now, but they stuck with us every step of the way and nothing was too much trouble for Linda. Linda is one of the most genuine, caring, understanding Ladies that I have ever known. Honestly, give First Rate Mortgages a go... We are moving into our new home tomorrow. Our dream has come true thanks to Linda, Kim and First Rate Mortgages.... No longer will we be paying for someone else's dream. Now, we are about to start living our own dream!! There are no words to thank Linda & Kim... Thank you doesn't even begin to cover it... Forget the Banks.... Use First Rate Mortgages & be prepared for the ride of your life......They should be called "Making Dreams Come True Mortgages" because that is what they do..... THANK YOU THANK YOU THANK YOU..... Linda & Kim, you are in our Prayers, and in our Dreams. We look forward to giving you updates on how our little piece of heaven progresses...."

27th Feb, 2015  •  Rating by: Jannine  •  Contact: Linda  •  Job date: Feb, 2015

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Linda has literally made my dream come true. After a failed attempt to secure a home loan with one of the banks, I pretty much gave up. It was by sheer luck that I came across First Rate Mortgages while I was googling assistance for home loans. I sent an email to Kim Lyons explaining my situation and was referred to Linda. At first I was sceptical as I’m a rookie home buyer and I honestly did not know what to expect least of all what to do. After a few phone calls and email exchanges between us about what’s required, Linda was able to secure us a home loan within a couple of weeks.
Linda really knows what she’s doing and she’s very genuine in the sense that when she thought what’s on offer was not suitable for me financially, she suggested that we find a better solution. She did not advise me to sign up for anything never mind what comes after....
Now my 9 year old daughter and I are moving into our lovely house in a couple of days. I will be forever grateful to this lady and I 100% highly recommend Linda to anyone looking to buy a house."

18th Nov, 2014  •  Rating by: Silveria  •  Contact: Linda  •  Job date: Nov, 2014

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"We would like to thank Andrew very much for his professional and willing assistance, enabling us to sell and purchase a lovely new home to accomodate our changing cicumstances. The whole process was smooth and hassle free. We found Andrew to be very helpful and accommodating. If you require the services of a pleasant mortgage broker that listens, offers workable and practical solutions, then we highly recommend Andrew."

16th Nov, 2014  •  Rating by: Laurence & Dawn Paget  •  Contact: Andrew Jackson  •  Job date: Oct, 2014

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Thank you so much for all your help.
Ross was wonderful from start to finish with what initially proved to be difficult circumstances.
Everything was outlined , each step of the way which was not easy considering we moved from Auckland to a small town 300kms away.
At no stage did we feel it was too tough and Ross did everything for us.
We can not thank him enough for all his help and recommend him highly.
When we buy again, we will be asking Ross to assist us again.

Many thanks rOSS"

10th Nov, 2014  •  Rating by: Michelle & Grant  •  Contact: Ross Smith  •  Job date: Oct, 2014

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"These guys are the experts in their field! Dealt with Linda who got the job done promptly, being self employed I wasn't looking forward to the 'drama' of applying for a mortgage but not sure why as Linda got the info required and came back with a good result from a major bank within 3 days as promised. Would recommend to others!"

14th Sep, 2014  •  Rating by: Paull  •  Contact: Linda  •  Job date: Aug, 2014

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"As usual we have had excellent service from Linda and really appreciated her professional advice.
Dealing with a person of high integrity and continuity of service gives us the confidence to know we are being looked after.
I would not hesitate in recommending using the honest and professional advice that Linda offers.
Linda is always available and from our experience she continues to provide excellent service.
Nothing is too much trouble and the advice we receive from Linda has been well received."

5th Aug, 2014  •  Rating by: alan  •  Contact: Linda  •  Job date: Aug, 2014

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Our situation was complicated, time frames were restricted. Discussed 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."

30th Jul, 2014  •  Rating by: Lee-Anne & Chris Higgins  •  Contact: Kim Lyons  •  Job date: Jul, 2014

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	80%
Overall:	95%

"A very big thank you to Allan Nicol who has worked so hard in helping us purchasing our sencon home. Allan you have done such a great job in helping us buy our first home in 2011 and now again your assistence has helped us to buy our second home. Me and Jason are so grateful for your assistence."

25th Jul, 2014  •  Rating by: Isabelle  •  Contact: Allan Nicol  •  Job date: Jul, 2014

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"This is the second time we have used First Rate Mortgages. Each time our experience has been fantastic, they have the experience, the contacts and the ability to provide the best most competitive service we have ever experienced from any financial services business.
Ross Smith is a man of integrity and decency and who is prepared to go the extra mile for his clients with a capable and professional manner that makes the whole process seamless and actually quite pleasant.
The knowledge and expertise of this company combined with their wonderfully human focused ethos makes First Rate the only financial services company we will ever use."

23rd Jun, 2014  •  Rating by: Don  •  Contact: Ross Smith  •  Job date: Jun, 2014

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	80%
Overall:	95%

"Andrew from First Rate Mortgages Ltd was very helpful in obtaining a second mortgage for our subdivision. He did all the work we just provided the documents, he communicated well making the process quick and easy. He is an affable person with excellent customer service skills, he answered any questions we had in a timely manner making the process run smoothly while addressing any concerns we had. He has remained in contact throughout the course of our loan to check our progress and provide any assistance should we require it. I recommend First Rate Mortgages Ltd to anyone looking for finance, our experience has been positive and I rate them highly."

18th Jun, 2014  •  Rating by: Wayne  •  Contact: Andrew Jackson  •  Job date: Oct, 2013

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	70%
Overall:	93%

"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.

Thanks Allan!"

16th Jun, 2014  •  Rating by: Vicki  •  Contact: Allan Nicol  •  Job date: Jun, 2014

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Shirley & I would like to sincerely thank you for the great job you’ve done in approving our home loan application.
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 across you Allan we still would have been renting and wouldn’t have dared to think of owning a house.
Please accept our sincere and BIG thanks to you.
Shirley & Raghuel"

12th Jun, 2014  •  Rating by: RAGHUEL  •  Contact: Allan Nichol  •  Job date: Jun, 2014

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	60%
Overall:	90%

"Allan has been a wonderful Broker
He never gave us , he went to great lengths and eventually got us a private lender and the deal was completed with minimum of fuss
A number of Brokers had tried and had failed previously because of our unusual profile ( High Equity Low cash flow )
Allan Nichol is a tenacious Broker and a first rate financial advisor
Highly recommended"

12th Jun, 2014  •  Rating by: Hasan  •  Contact: Allan Nichol  •  Job date: Jun, 2014

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"Allan has been really helpful in arranging my home loan .He is very well organised and committed to help .
I will recommend Him to anyone who is looking for loan."

11th Jun, 2014  •  Rating by: Rohit Sharma  •  Contact: Allan Nicol  •  Job date: Jun, 2014

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"We had the good fortune to meet with Kim Lyons, following a google search. Kim was diligent, informative and determined to help get us back into the property market, following our bad experience with a leaky home. Throughout the entire process we were kept informed of developments. Kim was also great in negotiating the way through obstacles that presented themselves. I have no hesitation in recommending Kim Lyons. His integrity speaks for itself."

1st Jun, 2014  •  Rating by: Sageran  •  Contact: Sageran Naidoo  •  Job date: Jun, 2014

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"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."

15th Mar, 2014  •  Rating by: Tracey  •  Contact: Kim Lyons  •  Job date: Mar, 2014

Communication:	80%
Quality:	90%
Reliability:	90%
Value:	80%
Overall:	85%

"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."

10th Mar, 2014  •  Rating by: Grant  •  Contact: Kim Lyons  •  Job date: Jan, 2014

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

"I was introduced to Graeme's mortgage broking service through a friend of his after being told that my usual bank would not lend me the required amount to purchase an adjacent property and to undertake the intended subsidivison and further development. From the first time Graeme made contact he was very easy to talk with, down to earth and explained things in a logical manner. He was easily accessible - encouraging me to contact him by phone whenever I had further questions to be answered and kept in touch and provided very useful advice - both written and verbal.
I would highly reccommend his service to any potential property purchaser."

14th Apr, 2008  •  Rating by: Jim  •  Contact: Graeme Mahaney  •  Job date: Mar, 2008

Unauthenticated ratings (1)

Communication:	100%
Quality:	100%
Reliability:	100%
Value:	100%
Overall:	100%

This rating has not been authenticated so it doesn't count towards the overall rating

"Graeme highly impressed us with his outstanding service. He listened to our needs and delivered exactly what we needed. Thank you Graeme for a job well done!"

15th Apr, 2008  •  Rating by: Boris  •  Contact: Graeme  •  Job date: Apr, 2008

• 
  Christine Jackson 3 months ago

  ★★★★★

  Danielle has helped us into a new home 12 months ago, and then again now with a refinance. The first finance application was done under urgency in less than a week after we had been turned down by other lenders. Danielle managed to get approval for us so we could confirm our purchase contract as unconditional. She was amazing!
  And then with our latest refinance she was again on to it and wonderful to deal with.
• 
  The Samuels 7 months ago

  ★★★★★

  I have nothing but great things to say about Danielle and the First Rate Mortgages team. From the first point of contact Danielle did everything she could to get us back to the main banks, and explained everything in great detail at all times. The follow up was great, and we were informed all the way along. The advice continued after settlement, when we were looking at fixing our rates. Highly recommend both Danielle and First Rate Mortgages as the best people to use for your mortgage advice.
• 
  Scott Rowland 7 months ago

  ★★★★★

  Danielle at First Rate Mortgages was extremely helpful, and her experience with using overseas income helped us secure a mortgage to build a house for our growing family where other mortgage brokers said it wasn't possible. I would highly recommend using Danielle at First Rate Mortgages.
• 
  Ania Davidson 9 months ago

  ★★★★★

  A heartfelt thank you to Murray from First Rate Mortgages! We are truly impressed by his exceptional hard work and unwavering commitment throughout our refinancing journey. His attention to detail and dedication to going the extra mile made a significant difference in achieving a wonderful outcome for us. We cannot recommend him highly enough!
• 
  Samuel Lewis 8 months ago

  ★★★★★

  Murray and Danielle have been nothing but amazing for my partner and I's first home purchase, any question we had no matter how silly they were always happy to chat.
  
  The time, care and attention they put into our application was beyond our expectations, and now we can officially say we're home owners!
  
  Thanks again guys.