First Rate Mortgages Limited

Important information about our Company.

License status and conditions

First Rate Mortgages Limited (FSP271665), holds a licence issued by the Financial Markets Authority to provide financial advice. Our trading names are: First Rate Mortgages Ltd; NonBk Ltd - Non Bank Loans, Home Loans, Mortgages and Finance; A Second Mortgage.

Nature and scope of the financial advice given

We provide financial advice about products from a large range of both Bank and Non-Bank providers.
Please click here for a list of our current providers:

We do not provide advice on Personal Life Insurance, Investments such as Shares or KiwiSaver, Home and Contents Insurance.

The financial advice provided to you will only take into account the information you give us about your particular needs, financial situation or goals.

Our duties

First Rate Mortgages Ltd, and anyone who gives financial advice on our behalf, have duties under the Financial Markets Conduct Act 2013 relating to the way that we give advice. We are required to:

  • give priority to your interests by taking all reasonable steps to make sure our advice isn't materially influenced by our own interests.
  • exercise care, diligence, and skill in providing you with advice.
  • meet standards of competence, knowledge and skill set by the Code of Professional Conduct for Financial Advice Services (these are designed to make sure that we have the expertise needed to provide you with advice)
  • meet standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services (these are designed to make sure we treat you as we should, and give you suitable advice}.

This is only a summary of the duties that we have. More information is available by contacting us, or by visiting the Financial Markets Authority website at

The Code of Conduct standards can be read here:

No fees, expenses or other amounts payable for our financial advice

We do not charge any upfront fees, expenses or any other amounts for the initial financial advice given to you.

If you then choose to use our services to arrange finance we will then disclose any lender fees, brokerage fees, or other lending related costs that may be applicable. These can vary depending on which lender provides a loan offer.

How we are renumerated

The lender will pay commission and/or brokerage fees to First Rate Mortgages Ltd once the loan has settled. The amount of commission is based on the amount of the mortgage.

If we refer you to an independent Insurance Specialist, a referral commission will be paid to First Rate Mortgages Ltd if he/she writes a policy for you.

Conflicts of interest and commissions or other incentives

We will discuss with you any possible conflicts of interest at the outset and note them in our Loan Recommendation.

To ensure that our financial advisers prioritise the client's interest above their own, we follow an advice process that ensures our recommendations are made on the basis of the client's goals and circumstances.

All our financial advisers undergo annual training about how to manage conflicts of interest. We undertake a compliance audit, and a review of our compliance programme annually by a reputable compliance consultancy firm.

Our complaints process

If you have a problem, concern, or complaint about any part of the financial advice you have received from us, you may contact us using any of the following means:

In writing: Complaints Officer
First Rate Mortgages Ltd t/a NonBk Ltd
PO Box 314095, Orewa
Rodney, 0946
By telephone: 09 426 8927
By email:

When we receive a complaint, we will consider it following our internal complaints process:

  • We will acknowledge your complaint within 2 working days.
  • We may require additional information about your complaint or be able to advise how we could resolve it.
  • We aim to resolve complaints within 15 working days of receiving them. If we can't, we will contact you within that time to let you know we need more time to consider your complaint.

If we can't resolve your complaint, or you aren't satisfied with the way we propose to do so, you can contact Financial Services Complaints Limited

Dispute resolution process

If our internal complaints process does not resolve your complaint to your satisfaction, you can contact our external independent dispute resolution scheme. This service is free and may help investigate or resolve the complaint.

We are a member of the Financial Services Complaints Limited's approved dispute resolution scheme. You can contact the Financial Services Complaints Limited at:

Name Financial Services Complaints Limited
Address Level 4, Sybase House, 101 Lambton Quay Wellington 6011
Postal address PO Box 5967, Wellington 6140
Telephone 0800 347 257
Email Email Address

Contact Details

First Rate Mortgages Ltd (FSP271665), is the Licensed Financial Advice Provider. Our trading names are: First Rate Mortgages Ltd, NonBk Ltd, Non Bank Loans, Home Loans, Mortgages and Finance; A Second Mortgage.

You can contact us at:

Mail First Rate Mortgages Ltd
P O Box 314095
Orewa, Rodney, 0946
New Zealand
Physical address Level 2, 12 Florence Ave, Orewa, Rodney, 0931
Access is from Hillary Square. If stairs are an issue, a local café may suit
Email Email Address
Phone 09 426 8927

”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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