First Place Mortgages

The first place to go for home finance
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We will be with you every step of the way to ensure that you have the best possible guidance when making any financial decisions. Eveything will be fully explained in plain language so that you completely understand your options and responsibilities.
Market Research

Because we are in touch with the finance market on a daily basis, we have already done the homework, research and analysis which could take individual clients weeks to do. Arranging home finance yourself can be a daunting experience. FPM will do everything for you and ensure that we approach the lender that offers the best possible product for you and your situation.
Free & Easy

FPM’s mortgage advising business is absolutely free of charge to our clients. We are paid by lending institutions for introducing new individual clients.

To ensure that you will want to work with us again and again in the future, we always offer the best possible finance solution tailored to your specific needs. Add first class service plus a genuine desire to help, and it’s not surprising that FPM enjoys great client relationships

Frequently asked questions.

Answers to our most frequently asked questions

If it costs us nothing, how do FPM get paid?

We are paid an arranging fee from the selected lender. It doesn’t cost any more to use our services, and in fact often we can save you money as well as time and effort.

Is it difficult to get a loan if I'm self-employed or a contract worker?

It depends. It can be very difficult. And that’s where we can make a significant difference. We’ve represented many self-employed people over the years. We know which lenders are likely to be most sympathetic to your situation. And we know the very best way to make your case.

What are the benefits of using an FPM adviser?

We make the process as easy as possible and work with you to obtain the best deal. We can arrange valuation, credit checks and inspection report if required. We work with your real estate agent, lawyer and the bank, which saves you time and effort. You also receive free independent advice covering a large number of lenders and banks.

Can I get a pre Approval?

Yes, Pre-approvals are useful for first home buyers to establish your maximum borrowing ability before you commence looking for a home. They are also useful for those who prefer to have the peace of mind of having a pre-approval particularly those looking to purchase at auction.

Why should I deal with you and not the lender direct?

Hunting down the right home loan or finance arrangement for an investment property can be a daunting task. Today, there are more organisations offering finance than ever before, and there are more options available. The increased number of players, the new options and an increased ability to switch lenders without penalty means there are more opportunities than ever to get the arrangement you want – but only if you know where to look and what you’re looking for. By trusting FPM, you can be sure you’re getting the best recommendation from a professional who’s truly in the know.

What are some of the questions I should be asking before I make a decision?

What is the best type of loan for my situation?
Which lender has the best interest rates?
Who has the lowest fees?
What are the costs of redraws?
Should the loan be fixed rate or variable or some form of blended rate?
What happens when the loan matures? What are the costs of early repayment?
Do I qualify for any specials?
Is a variable loan the best way to go?
How much can I borrow?

Contact Us Today

As an accredited member of the Financial Advice New Zealand association, our passion is helping New Zealanders to achieve the dream of home ownership