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THE NON BANK LENDING SPECIALISTS

We are a team of Financial Advisers who specialise as Non Bank Mortgage Brokers, dealing with lenders who provide Non Bank or Second Tier lending options. 

Our team offer specialist Non Bank lending advice and we are recognised as having one of the largest networks of Non Bank lenders in New Zealand. A recent client said that they were working with another broker and got 7 declines in a row, while they got approval in 24 hours from NonBk Ltd, so you know you are in good hands.

With the wide choice of Non Bank lending solutions still not fully understood by so many clients and brokers, plus with the ongoing restrictions and changes to credit policy, there are many genuine potential borrowers just looking for help when their Bank has turned them away. This is why NonBk Ltd was launched, and receives thousands of visitors, just like you, looking for help. 

We pride ourselves on having a strong focus on finding Non Bank lending solutions for all New Zealanders, whether it is first home buyers, borrowers with bad credit, investors, saving mortgagee sales, developers, farmers or business operators needing to raise much-needed finance when their mainstream Bank has said NO.

Meet Our Team

As highly experienced Auckland Mortgage Brokers, we have a can-do attitude and are happy to discuss what options are available to help you. 

Meet Our Team

nonbk owner kim lyons

Kim Lyons

FINANCIAL ADVISER - BUSINESS OWNER

Kim Lyons initially left ANZ Bank to join a commercial broking firm to assist them expand into the residential home loan & rental market. After doing his “apprenticeship” as a Mortgage Broker, he has over the last 23 years set up his own business to allow other key team members to join him, bringing their own skills and passion to help clients with a far greater choice of solutions from a variety of lenders. They can now offer, refinancing, bridging, rental investment, commercial, development and business finance options.

Kim Lyons

FINANCIAL ADVISER – BUSINESS OWNER

 Kim Lyons initially left ANZ Bank to join a commercial broking firm to assist them expand into the residential home loan & rental market. After doing his “apprenticeship” as a Mortgage Broker, he has over the last 23 years set up his own business to allow other key team members to join him, bringing their own skills and passion to help clients with a far greater choice of solutions from a variety of lenders. They can now offer, refinancing, bridging, rental investment, commercial, development and business finance options.

Allan Nicol

FINANCIAL ADVISER – EAST & SOUTH AUCKLAND

I am an experienced Financial Adviser in East & South Auckland and I can assist you with your property goals. Are you buying a new home, refinancing, after a better interest rate, looking to consolidate debt, if you are, I can help. Let’s find a solution through either Bank or Non Bank lenders.

MURRAY MOORE

FINANCIAL ADVISER

Murray is a welcome addition to our brokerage team to assist with strong commercial, first home buyers, new builds, and rural loans. Murray is an Auckland Mortgage Broker and an accredited Financial Adviser. Murray can assist with refinancing, consolidation of short term debt, new home buyers and rental investors, whether you are on wages, self employed, or even have a poor credit history.

DANIELLE HAPPY

FINANCIAL ADVISER

Prior to joining First Rate Mortgages I had 10 years lending experience working in Home Loans with Sovereign (owned by ASB). I have an excellent understanding of the more complex deals including of development and construction fundings plus relocatable homes, no Code of Compliance, as is where is, and “outside the square” funding.

Natalie Siebrits

FINANCIAL ADVISER

After finishing my Bachelor’s degree at the University of Stellenbosch in Cape Town South Africa I started in the Banking industry. I joined First Rate Mortgages in 2015 after 14 years at Sovereign Home Loans where I gained invaluable experience in mortgage lending. As a homeowner myself I have been on the roller coaster ride of falling in love with my first home, starting a family, and doing renovations. Bank Home Loans and Rentals are my speciality.

Leanne Wallace-Smith

FINANCIAL ADVISER
With over 10 years of experience in the banking and mortgage industry, Leanne has worked with banks both in New Zealand and overseas. Starting her career with BNZ after school in Napier, she spent 15 years in England working for private banks, including a stint at UBS. Returning to New Zealand, she rejoined BNZ before transitioning to Squirrel, where she gained valuable experience in mortgage support while pursuing her qualifications to become a mortgage broker. Leanne has a passion for helping clients navigate the mortgage process and enjoy the challenges of lending. Outside of work, Leanne loves travelling, spending time with family, renovating, and enjoying the beach and socialising.
Allan from nonbk

Allan

FINANCIAL ADVISER - EAST & SOUTH AUCKLAND
I am an experienced Financial Adviser in East & South Auckland and I can assist you with your property goals. Are you buying a new home, refinancing, after a better interest rate, looking to consolidate debt, if you are, I can help. Let’s find a solution through either Bank or Non Bank lenders.

Murray

FINANCIAL ADVISER
Murray is a welcome addition to our brokerage team to assist with strong commercial, first home buyers, new builds, and rural loans. Murray is an Auckland Mortgage Broker and an accredited Financial Adviser. Murray can assist with refinancing, consolidation of short term debt, new home buyers and rental investors, whether you are on wages, self employed, or even have a poor credit history.
Danielle from nonbk

Danielle

FINANCIAL ADVISER
Prior to joining First Rate Mortgages I had 10 years lending experience working in Home Loans with Sovereign (owned by ASB). I have an excellent understanding of the more complex deals including of development and construction fundings plus relocatable homes, no Code of Compliance, as is where is, and “outside the square” funding.
Natalie from nonbk homeloans

Natalie

FINANCIAL ADVISER
After finishing my Bachelor's degree at the University of Stellenbosch in Cape Town South Africa I started in the Banking industry. I joined First Rate Mortgages in 2015 after 14 years at Sovereign Home Loans where I gained invaluable experience in mortgage lending. As a homeowner myself I have been on the roller coaster ride of falling in love with my first home, starting a family, and doing renovations. Bank Home Loans and Rentals are my speciality.
"Allan Nicol, exceeded our expectations. We were projected to lose our home we had purchased in 2019, due to accepting a loan with people that were interested in lining their own pockets. Allan took on our own case, with all the challenges, and gave us back our home, freedom but most of all. A renewed faith in brokers. Allan you truly helped us- you saved our home and kept our mental state stable. Thank you is never enough. Your a really nice person, and I will continue to recommend you."
"A great company to deal with - Natalie was so helpful, gave us a range of options and delivered fantastic customer service – can’t fault them!"
"Kim has organised finance for us on a few occasions and has manged to get us very competitive rates despite us falling outside of the criteria most of the banks require. Kim has always been extremely helpful and I would definitely recommend his services; in fact I already have."
"I am so completely impressed with the whole lending process, how quickly everything was done and monies paid out immediately. Danielle made the whole process so easy taking all the stress out of it for me. She kept in constant contact and was positive and uplifting the whole way through. I’m 100% impressed and would return for further help in future. Thank you so much!"
"Danielle specialises in construction, development, subdivision, commercial loans or “outside the box scenarios” which she can thrive on problem-solving. She understands the challenges of owning your own business as a previous business owner and enjoys assisting clients to achieve their goals."
"What truly set Murray apart was his willingness to go to the extra mile. He was incredibly responsive, often answering our emails and calls outside of regular business hours. Murray meticulously followed up on everydetail, ensuring that our application process was smooth and stress-free."
"My Family and I highly recommend Danielle Happy and Non Bank Ltd. We called Danielle in a desperate need for financial help when our finances didn't align with settlement of our new home. Danielle reached out to many different providers and found the one who would work with us through our tricky situation. She was so easy to deal with and put our stress at ease through her caring nature."
"Several years on from that first property, we got in contact again for our next project, and Danielle has tackled another complicated mortgage arrangement with unwavering dedication and hard work. Danielle is amazing at patiently guiding you through the complexities, and ensuring you understand each step. Her commitment to finding solutions and going the extra mile is unmatched, specially in situations were others would assign it to the too hard basket"
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