First Choice Mortgages

Your First Choice for Smarter Mortgage Solutions

Our Services

First Home Buyers

Purchasing your first home can seem daunting, we pride ourselves on making the process AS straight-forward and stress-free as possible.

First Choice Mortgages empowers you with the knowledge and advice you need to fully understand and select the right mortgage structure for your unique financial position.

Start Your First Home Journey

Next Home Buyers

Just because it's not your first home, it doesn't mean you deserve any less support. We make sure you have all options presented, considered, and understood.

Whether you're leveraging the equity in your current property or looking to sell it, we make sure your new mortgage is optimised and can even help restructure any existing mortgages.

Talk With The Team Today

Refinancing / Remortgaging / Refixing

First Choice Mortgages isn't tied to any specific lender, this means we can "shop around" and leverage our strong relationships to get you the best deal.

This can result in better rates, reduced monthly payments, and equity release options (depending on your specific financial position). We're experts in market comparison.

Get Your Mortgage Optimised Today

Investment Properties

We have access to specialist lenders, connecting you with the professionals around tax implications, flexible repayment options, and support for portfolio growth.

We stick with you for the duration of your investment, consistently making sure you're getting the best available rates on the market and providing expert advice and support to maximise returns.

Make Your Money Work For You

Commercial / Business Lending

Every business is different, which is why finding the right lending solution requires more than a one-size-fits-all approach - that's where First Choice Mortgages comes in.

Whether you're purchasing business premises, expanding operations, investing in commercial property, or seeking working capital, we'll help structure a lending solution that supports your business goals and future growth.

Take Your Business To The Next Level

New Build / Developments

Building a new home or undertaking a property development requires specialist lending and careful planning. First Choice Mortgages can help navigate the process from land purchase through to project completion.

We work with a range of lenders to find suitable funding solutions and help structure your lending to support your build timeline, budget, and overall project objectives. Whether you're building your dream home or developing for investment, we'll guide you every step of the way.

Make Your Dream Home A Reality

Meet Your team

Calah Chernishoff

Inspired by her own first-home journey, Calah offers a modern, hands-on approach shaped by her business and leadership background. Her focus is clear communication, confidence, and making the process feel effortless.

027 827 7473 Calah@fcm.net.nz

Kevin Burrowes

With over 25 years of industry experience, Kevin brings deep financial expertise, strong lender relationships, and a reputation for finding smart, outside-the-box solutions.

027 232 2316 Kevin@fcm.net.nz

Together, they combine proven experience with fresh perspective to deliver a seamless, tailored lending experience. Our commitment is simple: honest guidance, exceptional service, and long-term relationships built on trust.

What Our Clients Say

Here’s how we've helped our clients achieve their mortgage goals.

"I found Calah to be absolutely amazing. Our family are First home buyers so it was all new and slightly intimidating. Calah was really supportive and explained the process and helped us through everything. I would highly recommend her to anyone looking at a mortgage. She made the process a lot easier and was just absolutely fantastic."

Sonya. L

Kevin is fantastic. We've used his services over and over again, and will do again soon. His advice before hand is invaluable, and then he is excellent at assisting the client through the process

Jon. H

"I highly recommend Calah as a mortgage advisor. She was extremely helpful with getting us our first home. Very attentive and always replied very quickly even after normal working hours. She gave very good non biased advice and for that I am grateful. We wouldn’t be here in our new home if it wasn’t for her. Thank you Calah!"

Kerry G.

"Kevin has been an invaluable guide throughout our mortgage and refinance process. His expertise is obvious, but what we appreciated most was how clearly and simply he explained everything. My husband and I aren’t confident in this area, and Kevin never made us feel out of our depth — he just gave us the information we needed, in a way that made sense."

Dasha. T

What Sets Us Apart

Expert Advisors

When it comes to one of the biggest investments you can make, experience matters.

With decades of combined mortgage expertise, we know the market, the lenders, and the strategies that work. This enables us to cut through the confusion, find the best solutions, and guide you confidently from application to settlement.

Your goals are our priority every step of the way, we simply lend our expertise to empower you to achieve them as easily and effectively as possible.

Personalised Service

No two clients are the same.

We take the time to understand your unique situation and goals. From first-home buyers to investors, we create a lending strategy tailored to you rather than trying to force you into cookie-cutter systems.

Throughout this process, you're in the driver's seat - we take the time to make sure you understand and are comfortable with the chosen approach.

Commitment to You

We’re not just here for one deal - we’re here for every financial step ahead.

We nurture strong relationships built on trust and mutual respect. We take our role as your advisor seriously, meaning we're not just your financial advisors, but one of the biggest advocates for your continued success.

At First Choice Mortgages you're not a transaction number, you're our partner - and we're yours.