A mortgage broker FIRM That understands Non Bank loans & mortgages

As one of the first mortgage broker firms in New Zealand to offer Non Bank lending financial solutions, we also recognised the need to promote this information to the New Zealand public to let them know that their Bank manager does not hold all the strings, there are other options. We then launched the first website dedicated totally to providing you with Non Bank information to help you, when your bank or current lender says NO! Non Bank gives you more lending options if you are looking for low deposit home loans, home loans with bad credit, have hard to prove income, if you need help refinancing, possibly due to a mortgagee sale, or for second mortgages and commercial property finance.

The term "Non Bank Lending", "NonBank", "Bank Alternative" or "Second Tier" simply refers to those lenders who are involved in the business of providing finance, but are not the traditional registered banks like ANZ, ASB, HSBC, Kiwibank, Bank of New Zealand, TSB & Westpac.

Our mortgage broking firm deals with many Non Bank lenders who are more flexible when structuring loans or mortgages so that they fit the purpose you need them for, rather than complying with the policy of a faceless back-office credit department that you have no access to or control over.

Whilst our mortgage brokers are based in Auckland, we deal with Non Bank clients & lenders all over New Zealand and have the benefit of being able to present your loan direct to the decision makers. We are then able to explain any challenges you are facing, such as gifted deposits, bad credit, hard-to-prove income, and missed repayments, rather than you trying to negotiate your own way through layers of bureaucracy.

Non Bank, where you go when your Bank say no!

The Non Bank Specialist

Kim Lyons is the owner of First Rate Mortgages Ltd. The Non Bank website was built by him as a New Zealand first, and Kim works with a very experienced support team in his Orewa office, along with two additional mortgage brokers helping with enquiries in Auckland and throughout NZ.

Non Bank Home Loans

Non Bank lending solutions when your bank says no, including low deposit, bad credit, self-employed income or complex income.

Non Bank Low Doc

Low doc home loans in NZ are normally used to help self-employed individuals, commission-only contractors and small business operators who may not have pay slips or up to date financial accounts for their bank. Low doc mortgage lenders, which are generally Non Banks, can offer terms from 12 months to 30 years, and assist when buying a property or looking to release equity.

Second Mortgages

A second mortgage may be the answer you are looking for, even if you have bad credit or your income has suffered a setback. If you are applying for second mortgage financing from $10 000 to $1.0 million, for personal costs, consolidating debts, or for commercial, construction, or business finance, even IRD tax arrears, then we know of 2nd mortgage Non Bank lenders that might be able to help you.

Commercial

Do you want to know more about commercial financing or property development loans, or are you investing in commercial property? As commercial mortgage brokers dealing with New Zealand lenders, we specialise in commercial financing, with property loans up to 65%. A Non Bank lender will have greater flexibility and less hoops to jump through.

Contact Us

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Where you go when your Bank says NO!™