Refinance

 
 
 
  EXCELLENT  
    
 Based on 175 reviews 
 
 
  
 
 
 
 
 
 
 
 
  
 
 
 
  
 
 
 Raul Martin 
 
2026-03-04
 
 
 Trustindex verifies that the original source of the review is Google. 
I wholeheartedly recommend First Rate Services! The team is incredibly skilled and always supportive, making the experience smooth and reassuring. They’re highly efficient and consistently find innovative solutions to overcome any challenge that comes their way.
  
 
  
 
 
 
  
 
 
 Mateusz Piotrowski 
 
2026-03-03
 
 
 Trustindex verifies that the original source of the review is Google. 
We couldn’t have chosen a better mortgage broker than First Rate! Kevin, Rachel and Patricia were amazing and incredibly helpful throughout the whole process. Thanks to their support, we were able to collect the keys to our new home. And look at the lovely card we received from them!
  
 
  
 
 
 
  
 
 
 Christopher Suia 
 
2026-03-02
 
 
 Trustindex verifies that the original source of the review is Google. 
I recently worked with First Rate Financial Planning on my mortgage, and I couldn’t be happier with the service I received. Kevin, Rachel, and Patricia were incredibly helpful throughout the entire process. As a first time buyer, everything felt overwhelming at the start, but they made the whole experience so much easier and far less stressful.
They were always quick to answer any questions I had, explained everything clearly, and guided me through each stage. Their communication was excellent, and I always felt supported. Even small touches, like the card they sent to my new home really showed how much they care about their clients.
I’m now settled into my new place, and thanks to their help, everything went smoothly from start to finish. I’ll definitely be recommending them to friends and family. Fantastic service from start to finish.
Highly recommend!
  
 
  
 
 
 
  
 
 
 Conor Naylor 
 
2026-02-19
 
 
 Trustindex verifies that the original source of the review is Google. 
We couldn’t recommend Kevin and the team highly enough. They were instrumental in helping us buy our first home and were responsive and helpful in navigating the mountain of paperwork along the way.
  
 
  
 
 
 
  
 
 
 Máirín McCabe-Carroll 
 
2026-02-17
 
 
 Trustindex verifies that the original source of the review is Google. 
We have worked with First Rate Financial Planning many times and I honestly couldn’t speak more highly.

Shay, Cathal and the team have been by our side since we bought our first home many years ago and the kindness, patience and genuine commitment have made them the only team we trust for financial guidance. We have recommended First Rate Financial Planning to many friends over the years and everyone has come back with the same glowing experience. Thank you for everything you do — we look forward to working with you again in the future.
  
 
  
 
 
 
  
 
 
 Joyraj Reddy 
 
2026-01-26
 
 
 Trustindex verifies that the original source of the review is Google. 
I had an excellent experience working with Kevin and his team on my mortgage and home purchase. They were incredibly helpful throughout the entire process, answering all my questions, guiding me through each step, and making everything feel smooth and stress-free. Their professionalism and clear communication made a big difference. I’d highly recommend First Rate to anyone looking for a mortgage.
  
 
  
 
 
 
  
 
 
 paul whyte 
 
2026-01-23
 
 
 Trustindex verifies that the original source of the review is Google. 
We have worked with First Rate twice now, and both times we have found them to be absolute life savers. Navigating the logistical and admin heavy nightmare that is a mortgage transfer, while juggling parenting and maintaining your day job is just not something I can ever claim to be mentally equipped to do well. Kevin and the team at First Rate honestly make it almost too easy. If you have a question, you generally get a reply within the hour and if you are confused about some financial concept you haven't come across before, they break it down in a way that is easily understandable. They have a path to the end of any problem that you bump into, and a vast wealth of experience and expertise to draw from.  This is a no brainer. Highly recommend.
  
 
  
 
 
 
  
 
 
 Emily Riondato 
 
2026-01-22
 
 
 Trustindex verifies that the original source of the review is Google. 
We had an excellent experience working with Kevin and the team at First Rate. He was hugely helpful and responsive during the entire house purchasing process, giving additional support and recommendations when we hit a few snags in the road. He really went above and beyond during this time, answering all of our questions and giving excellent advice. We were able to clear these hurdles and purchase our home largely thanks to him and the team - really couldn’t have done it without them. Would highly recommend First Rate to anyone looking to buy.
  
 
  
 
 
 
  
 
 
 michael Barnes 
 
2025-12-19
 
 
 Trustindex verifies that the original source of the review is Google. 
Thanks so much to Des and his team for helping us buy our forever home. really cant fault 1st rate mortgages , been there every step of the way. took the time to outlay what we needed and was with us all the way. thanks again
  
 
  
 
 
 
  
 
 
 G B 
 
2025-12-18
 
 
 Trustindex verifies that the original source of the review is Google. 
We had a fantastic experience with Des at First Rate Mortgages. He was incredibly helpful from start to finish, always available to answer questions and explain things clearly.

The whole process would have been far more stressful without his guidance — honestly, we couldn’t have done it without him. His professionalism, knowledge, and genuine support made a huge difference, and we felt confident every step of the way.

We would highly recommend Des to anyone looking for a reliable and supportive mortgage broker.