Winner, 2024 New Zealand Mortgage Awards

Self employed & low doc

Low doc refinance – income hard to show?

Are you self employed or a business owner looking to refinance to expand your business, extend your home or need funds for the IRD or personal reasons, but have only been running profitably for say 6 – 18 months?

A mechanic working on a laptop in the driver's seat of a van

No financials but you want to refinance?

Are you self employed or a business owner looking to refinance to expand your business, extend your home or need funds for the IRD or personal reasons, but have only been running profitably for say 6 – 18 months? Have you approached your Bank with a new start-up business idea but they have insisted on at least 2 – 3 years of financial account prepared by an Accountant? We have access to a number of low doc lenders who might be willing to work with you, even though your Bank has said no. They understand that every business faces financial stress, and that one bad year should not ruin your chances of refinancing.

As Non Bank specialists, we have a wide selection of first and second mortgage lenders that provide up to 80% finance with low doc, easy income verification solutions. These can help you refinance, when your ability to earn income makes sense to you, but not your Bank. Get in touch with Kim or one of our team members today to see how we can help you.

Reviews

What clients say about Kim

  • “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.”

    NonBank clientAdviser: Kim Lyons
  • “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, AucklandAdviser: Kim Lyons
  • “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, aucklandAdviser: Kim Lyons

Bank said no? Let's find your yes.

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