Real stories from Kiwis the banks turned away.

“Allan Nicol, he is an awesome advisor. Very helpful, prompt and efficient person. We had been rejected quite a few times by almost all the banks and most of the brokers until I met Allan from First Rate Mortgages. Now that Allan has made our dream come true, we have bought our very first home. We managed to work through in this desperate time of Covid-19 and am glad we made it through. We highly recommend Allan and First Rate Mortgages. We are really pleased with the service and will continue to work with Allan in future.”

“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 managed 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!”

“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 every detail, ensuring that our application process was smooth and stress-free.”

“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.”

“Allan has been simply outstanding. He assisted us in buying our first home despite a large amount of personal debt. He touched base with us later on to see how we were tracking with keeping our personal debt under control. He then helped us refinance our mortgage to a bank, and it incorporated all of our outstanding personal debt. It isn't over the top to say this has all been truly life changing for our family! Thanks so much Allan.”

“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.”

“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.”

“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.”

“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.”

“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.”

“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.”

“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.”

“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.”