Privacy Policy

This statement discloses the privacy practices for NonBk Limited, New Zealand Web site, which is operated by First Rate Mortgages Ltd.

Because NonBk Limited and our mortgage brokers want to demonstrate their commitment to your privacy, we have agreed to disclose our information practices and to notify you of:

  • What personally identifiable information or third-party personally identifiable information is collected from you through our NZ Website.
  • The organisation collecting the information.
  • How the information is used.
  • With whom the information may be shared.
  • What choices are available to you regarding collection, use, and distribution of the information.
  • The kind of security procedures that are in place to protect the loss, misuse, or alteration of information under NonBk Limited control.
  • How you can correct any inaccuracies in the information.

Q. What personally identifiable information or third-party personally identifiable information is collected by NonBk Limited and First Rate Mortgages Limited  through our NZ Website

A. At NonBk Limited we respect your right to privacy and we understand that, as a visitor to NonBk Limited, you prefer to control your own personal information and preferences. For this reason, we may ask you to register or to provide personal information and preferences when you visit certain areas of NonBk Limited, request information, or subscribe to NonBk Limited and First Rate Mortgages Limited  Newsletters.

We will guard the personal information you share with us to ensure the content, services, and advertising that we provide on NonBk Limited are always tailored to your current, designated preferences.

When you provide NonBk Limited with your name (or alias), e-mail address, mailing address, or telephone number, and you "opt in," First Rate Mortgages Limited and NonBk Limited representatives may use the provided information to alert you to product upgrades, special offers, updated information, classes, new services, and other NonBk Limited related information. ("Representatives" include value-added resellers and authorised training partners.) NonBk Limited does not offer, or allow the selling of, any user-provided information to third parties.

NonBk Limited and First Rate Mortgages Limited respects the rights users give us when opting to receive e-mail communications and enforces internal policies to preserve those rights. It is our objective to retain the long-term ability to continue to communicate with our users.

If you do not want NonBk Limited or NonBk Limited representatives to contact you, you may "opt out" of this preference at any time, whether you're online or by contacting NonBk Limited directly. As part of your preference flexibility, you'll always have the option to opt back in and have NonBk Limited contact you based on your previous or new preferences. For instructions, please see the "Contact Us," page.

If you choose not to register or provide personal information, you can still visit our web site; however, you will not have access to areas that require personal identification.

Q. How NonBk Limited will protect your personal information

A. NonBk Limited will always protect the personal information that you share with us. NonBk Limited stores information internally in a controlled, secure environment. If NonBk Limited requests general demographic information, this information is limited to reporting purposes only; members remain anonymous. Phone numbers, e-mail addresses, and postal addresses are never shared for demographic reports with outside entities.

NonBk Limited may occasionally present a special contest or promotion that is sponsored by another company. To qualify for entry, we may ask you to provide personal information. If we plan to share that information with the sponsor(s), we will provide an up-front statement to that effect.

Q. How do I update my personal information and preferences

A. You can help NonBk Limited maintain the accuracy of your personal information by notifying us when you change your name, address, title, phone number, e-mail address, or your content preferences. If at any time you wish to update your information or preferences, or you prefer to stop receiving communication from NonBk Limited, feel free to contact us at any time. NonBk Limited.

Privacy contacts include:

Postal Mail:
NonBk Limited
C/- First Rate Mortgages Limited
Attn: Privacy
P O Box 314095
Orewa, Rodney 0931 

New Zealand

If you change your e-mail or postal address, please contact NonBk Limited. In order to make the appropriate corrections, please include both your old and new address.

NonBk Limited would like to receive your comments and questions about this Privacy Policy Please address comments or questions regarding the NonBk Limited Privacy Policy to one of the addresses listed above (e-mail, or postal mail). NonBk Limited may occasionally update, amend, or change this Privacy Policy based on user feedback and as needed or appropriate. All policy changes will be posted, and you will always have the opportunity to change your preferences.


NonBk Limited Web sites may contain links to other "non- NonBk Limited" sites. NonBk Limited assumes no responsibility for the content or the privacy policies and practices of such Web sites. NonBk Limited encourages you to read the privacy statements of these linked sites; their privacy practices may differ from ours.

”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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