No need to go elsewhere for Non Bank second mortgages

A second mortgage may be the answer you are looking for, even if you have bad credit or your income has suffered a setback. If you are applying for second mortgage financing from $10 000 to $1.0 million, to buy a car, go on holiday, consolidate your debts, or for commercial, construction, or business finance, even IRD tax arrears, then we know of 2nd mortgage Non Bank lenders that might be able to help you.

Often working with your traditional bank is no longer an enjoyable experience for you, or they have already declined your application for additional finance because of insufficient income, a bad credit history or RBNZ restrictions. Your application might also be outside of your bank’s lending guidelines and credit policy.

With the RBNZ LVR limitations of 80% lending ,on owner occupied homes and 65% on rentals, we are often asked to assist first home buyers with 90% funding, using a second mortgage, or rental investors looking for additional funds for renovations, or additional purchases.

We have a strong track record with a large number of Non Bank second mortgage lenders which gives us more scope to help you, even if you have missed repayments and need help with payment arrears or bad credit.  Keep in mind Non Bank lending will always require some security, either your own home or the property of a guarantor, but Non Bank lenders are often easier to deal with than your bank.

Kim Lyons and the team he works with have decades of experience assisting clients, both applying for second mortgages in NZ, or helping clients refinance them. We are the experts at dealing with Non bank second mortgage solutions for a wide variety of financial situations, personal, business, tax payments and commercial, so call us today to see if we can help you.

”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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