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.

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


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.

Danielle from nonbk


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


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.