Financial mortgage brokers & consultants with a difference

Financial mortgage brokers with many years of Non Bank lending experience to help find a solution for you.

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. While dealing with most mainstream banks, Kim can also offer specialist Non Bank lending advice and services.

With the choice of lenders still very limited and credit policy becoming increasingly tight, there are many genuine potential borrowers just looking for help when their bank has turned them away. This is why was launched, and receives thousands of visitors, just like you, looking for help.

We pride ourselves on having a strong focus on finding Non Bank lending solutions for all New Zealanders, whether it is first home buyers, borrowers with bad credit, investors, developers or business operators needing to raise much-needed finance when their mainstream bank has said no. As highly experienced mortgage brokers based in Auckland, we have a can-do attitude to home loans and financing.

If you are a financial mortgage broker and you have a client that you are unable to assist, or you feel uncomfortable with presenting the loan offer that you have obtained for your client, as it may have what you consider unreasonable terms, interest rates or fees, you are welcome to contact us to see if there are better lending options available from our pool of Non Bank lenders.

”Hi Kim, Thank you so very much for all your help over these last stressful weeks. You’re an absolute life saver and I really can't convey how grateful we are.”

DB North Shore Auckland

”We have been dealing with Kim Lyons for approximately six years. Our requirements have changed during this time necessitating some quite creative thinking by Kim, he has the ability to think outside the cube. He has a relaxed, friendly way of dealing with clients while still maintaining a high standard of professional efficiency. Nothing ever seems to be the slightest trouble, meeting at venues and times that are convenient to you and explaining everything clearly and concisely.”

E & N Auckland

”Our situation was complicated, time frames were restricted. Discussed situation and needs with Kim and he delivered a solution which we were really pleased with. What a great guy to deal with very knowledgeable and professional.”

L & C

”We are so pleased with the help and advice we received from Kim. We were very unsure about how we could sort our finances out and had been turned down by the bank. Kim was extremely helpful and so easy to deal with. We conducted almost all the correspondence via email, which made things much easier for me. Kim made everything very easy and really reduced our stress at a difficult time. Thank you for your great service.”

M Nelson NZ

”Having dealt with Kim Lyons from First Rate Mortgages & Non Bank Ltd, I highly recommend his services. He was easy to work with and was able to arrange my facility easily, all done by email & phone. With me being in the South Island and Kim in Auckland one would assume the task at hand to be difficult, not so, it all came together easily. Kim also understands the difficulties presented by banks, when self employed people wish to raise funds to purchase property. Once again I highly recommend his services, and would certainly use him again if the need arose.”

Malcolm (South Island)

These people are absolutely wonderful, fast, friendly and go to all extremes to help. Their friendly natures make you feel so comfortable and I would never go anywhere else again. Would highly recommend to anyone who wants a good honest deal done.


We had the good fortune to meet with Kim Lyons, following a google search. Kim was diligent, informative and determined to help get us back into the property market, following our bad experience with a leaky home. Throughout the entire process we were kept informed of developments. Kim was also great in negotiating the way through obstacles that presented themselves. I have no hesitation in recommending Kim Lyons. His integrity speaks for itself.

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