”Fantastic, solved the problem of getting us into our home in a non bank capacity. We are self employed, just returned from the UK. Being non bank the costs were greater than a bank but better than no options at all. Thanks for the great service guys.”


”The process of selling and buying has been a very interesting journey. The not knowing time which way and what was going to happen. But thanks to first-rate-mortgages we made it through. Selling & buying on the same day, to us was a miracle. Meeting with Kim Lyons was probably the most encouraging time that sure gave us hope”


“We would like to thank Natalie for going the extra mile for us. When my bank said NO we were quite hopeless regarding getting a mortgage. I called kim and he introduced us to Natalie and everything changed. Within the first month we got a positive answer and have now moved into our own home. Thanks Kim, Natalie, Amanda for making our dream come true.”


”Thank you very much for all your work with helping me to secure the property at Point England. The process was a good experience but one I won't want to be experiencing again in the near future. It has been a real learning curve so thank you for all your guidance and hard work.”


”I have known Kim and Yvonne for about 2 years. They have organised a non bank finance for and investment when the new rulings for banks came up about the 60% rules. They recently organised a second mortgage for a development project. When all banks said they could not do it Kim and Yvonne were able to help me out to get the funds to complete the development project until we could gain more equity. I would highly recommend them for all your financial needs.”


Refinancing any commercial building / property at the moment is/was proving to be a nightmare, trying different avenues till I happen to find Kim on the internet, immediately Kim had options which became successful in the end. Efficient, timely attention to detail keep matters moving along to make the whole process easier for me.

My only regret is that I wish I had met Kim 4-5 years earlier.

Commercial Owner, Hamilton

”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

”Cannot say enough. Absolutely amazing.”


”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 recently contacted Kim for financing on a recent investment property purchase for our portfolio. We could not have been happier with the service and professionalism we received and Kim put together for us a range of potential financing options. Kim was friendly, organised and knowledgeable, and had a wide range of professional contacts.”

Property Investors

”I give the highest rating possible to First Rate Mortgages Ltd. I have been poorly treated by the banking community recently. The staff of First Rate Mortgages were incredibly professional and dedicated to getting me a timely loan and quality mortgage experience. I received a $200,000 loan and First Rate Mortgages helped me through all of the challenges and quickly got my new mortgage in place and to my complete satisfaction. Give them a try -- you won't be disappointed.”


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.


"The very next morning a fabulous girl phoned me and helped me complete my application. Within a couple of hours she phoned and told me I had $20000 approved and the funds would be in my account that same evening. I was completely blown away . I have never experienced such amazing service in my life."

Satisfied Customer

”Shout out to Kim for his awesome help in getting us refinancing of our house.Such a lovely friendly and understanding man. Cheers.”

Sue & Alex, South Auckland
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