Bank and Non Bank Product Providers

We will provide you with financial advice in relation to your Home Loan, Commercial Loan or Business Loan.

We are accredited through a recognised Aggregator, Newpark Group, to provide financial advice on products from a wide range of lenders on their Panel including:

ANZ, ASAP, ASB, Avanti, Bank of China, Basecorp Finance, Bluestone, Cressida Finance, BNZ, First Mortgage Trust, Heartland, Liberty, NZCU, Plus Finance, Prospa, Resimac, SBS, Southern Cross, Sovereign, Spotcap, The Cooperative Bank, TSB and Westpac.

In some instances, we may feel that your finance proposal may be able to be priced better, with less conditions, or have greater appeal to another lender outside of their Panel, this may be due to nature of the property, loan size, income details or complexity. In this case after gathering information and undertaking some research we may approach an alternative lender that would better suit your needs.

To meet our selection criteria, they need to be Registered on the Financial Service Provider Register refer: This may then allow us to provide a loan offer that meets your requirements, that would otherwise have not been available from your Bank or another Financial Adviser.


”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.

Read more
Get in Touch