Specialists in commercial property for INVESTMEnT, development, land banking & BUSINESS LOANS

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%. Commercial property development loans with Non Bank lenders can be arranged for residential development and commercial projects, such as spec builds, investment, or home and land developments. We find that many of our clients, who struggle to meet all the conditions when dealing with a bank, want to work with a more hands on Non Bank lender with greater flexibility and less hoops to jump through.

We also have found many clients struggle with business loans to renovate, expand, hire more staff or take advantage of a new opportunity. Dealing with a Bank can take weeks, we have a Non Bank option where you can apply in 10 minutes and possibly have the money in your account next day.

Our team have experience with commercial property, investment and business funding, so if you are having trouble securing a loan through your Bank Commercial or Business Manager, you may find a Non Bank option is the right one for you.

Bank’s can make this process difficult or slow to the point that you may miss an opportunity, but we are fortunate to have partnered with a small business Non Bank lending specialist.

We will respond quickly to your loan enquiries and can generally provide advice 7 days a week, or complete our online enquiry form for Non Bank commercial property finance.

”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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