Mortgage First is a Christchurch mortgage adviser at Shop 3, 573 Springs Road in Halswell, and it has been advising since 1996. It works with banks and other lenders to find a home loan, prepares the application, and negotiates on the client's behalf. Advice is free unless a fee is agreed in advance. The website says the firm is usually paid by the lender chosen, as set out in its disclosure statement. Its services include first home loans, KiwiSaver options, refinancing, top-up loans for renovations, debt consolidation and investment property finance. Most of the work is done by phone and email, and clients deal with one of four named advisers. The website says 95 per cent of business comes from repeat or referred clients. Phone 03 343 5432.
Customers say the team explains things clearly, and that they were quick to help. Many buyers of a first home came through a friend or colleague, and one buyer of a land-and-build found the process stressful but well handled. Staff are described as easy going. Our pick in Christchurch for a first home loan, or a build loan with advisers who explain each step.