Non Bank lending solutions when your bank says no!

Non Bank lending, Home Loans, Rental Investments and Personal Loan solutions when your Bank says NO, including low deposit, shared or co-ownership, bad credit, self-employed income or complex incomes.

Non Bank lenders can help with low deposit home loans, this can even be with a deposit less than 20%. Low deposit home loans give you the opportunity to live in your own home, despite the new post Covid-19 Bank criteria, which continues to limit support for first home buyers with low deposits. A good employment record and credit history always assist with lenders, but non bank lenders are often more open minded and understand your personal circumstances better.

We also specialise in Non Bank financing for spec builds, 80% rental investments or those wanting to apply for a bad credit home loan. Refinancing and debt consolidation are also a common request, also clients needing top ups and bridging finance.

Another exciting new opportunity is co-ownership from as little as a 5% deposit! Shared or co-ownership is the purchasing of a first home between buyers and a business partner, sometimes requiring as little as 5% deposit from buyers.

We always looking for new ways to say “Yes” rather than “No”.

The 80% rental investment option can be on a stand alone basis or if you choose to refinance both your home loan and a rental rates can be under 3%! Terms and conditions are stricter for such a low rate, but it is proving very attractive to investors who wish to use equity in their own homes.

Has your Bank or Broker said no to your lending application? We work with Non Bank lenders that assess each loan proposal on its merits, Home Loans, Rentals, Refinancing, Debt Consolidation and now we can also offer online applications for Personal Loans.

If you have a low mortgage deposit, require 80% finance on a rental investment, or circumstances that just do not seem to work for your Bank, it costs nothing to chat with us. If you are not getting the answers you want for your home loan, because of a low deposit, insufficient savings, part-gifted deposit or too much short term debt, then contact us for a second opinion.

If you are not a home owner yet, we are now able to help New Zealanders with their personal and vehicle finance needs. We have partnered with One Partner to refer you to for help with Personal Loans for Cars, Cash & Choices. Apply online now!

Non Bank Low Deposit Buyers

Non Bank Low Deposit Buyers

Desperate to get on the property ladder, but it just seems to get harder each day?
The restrictions on low deposit home loans continue and prices have increased significantly.
Our Non Bank options continue to help so many low deposit first home buyers.
Why wait?

Non Bank Bad Credit Home Loans

Non Bank Bad Credit Home Loans

Do you want to know more about getting a bad credit home loan in NZ? Many of our clients find themselves needing a bad credit mortgage due to a financial hiccup, business failing, unexpected unemployment, a separation, reduced hours, or a critical illness in the family.

Personal Loans

Personal Loans

We specialise in helping New Zealanders with their personal and vehicle finance needs. We have partnered with Select Asset Ltd. to help you with personal loans for Car's, Cash & Choices. Apply online Now.

Non Bank Bad Credit Refinance

Non Bank Bad Credit Refinance

Do you have bad credit or bank problems and are looking for refinancing? You might be needing a second chance, and want to refinance up to 80% but have bad credit or late repayments. For many of us bad credit was the result of unfortunate circumstances.

Non Bank Bridging Finance

Non Bank Bridging Finance

Bridging finance is most commonly use to bridge the gap, as you have bought one home prior to selling your existing home. Whilst the banks may assist if you have sold your home unconditionally this is not always the case.

Non Bank New Builds

Non Bank New Builds

We specialise in arranging Non Bank construction finance for new builds in New Zealand, which means finance to build your own new home, for renovations, or for spec builds. In some cases your bank has not approved sufficient finance, leaving you short. 

”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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