Non Bank Home Loans, Mortgages and Finance
Mortgage Brokers in Orewa

"Huge thanks to Danielle Happy for all her hard work done in securing finance for a property purchase, such a pleasure to deal with and made things so easy, I honestly can't thank her enough. I have no hesitation in recommending Danielle if you have a challenging finance situation, she is the absolute best."

25th Mar  •  Rating by: Sarah  •  Contact: Danielle Happy  •  Job date: Mar, 2025

"As a small business owner, I faced numerous roadblocks trying to secure a home loan through traditional banks. My income was stable but didn’t fit the typical requirements many banks demanded. Then through a friend I was taken to Non Bank Home Loans, and the experience was a complete game-changer! Their team was incredibly supportive, knowledgeable, and genuinely committed to helping me navigate the process.

Non Bank Home Loans looked beyond the numbers on paper to understand my unique financial situation. They tailored the loan process to meet my needs, making everything smooth and straightforward. Unlike other lenders, they saw the value in my business and believed in my ability to make homeownership a reality. I am so grateful for their dedication and would recommend Non Bank Home Loans to anyone, especially small business owners who feel stuck with traditional banks. Thanks to them, I’m now a proud homeowner!"

30th Oct, 2024  •  Rating by: Carlyle  •  Contact: Natalie Siebrits  •  Job date: Oct, 2024

"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. Danielle saved us from financial hardship and my family and I will be forever grateful for the hard work she did in order to resolve our situation. Thank you Danielle and Non Bank Ltd."

6th Jul, 2024  •  Rating by: Llewis  •  Contact: Danielle Happy  •  Job date: Jul, 2024

"Murray was extremely professional and knowledgeable. This being our first home in NZ we were very nervous about the whole process, needless to say Murray took us through every step and answered all my silly questions. I would highly recommend talking to these guys, even if you think it's not possible to get a mortgage. Thank you again."

1st Mar, 2024  •  Rating by: Brian  •  Contact: Murray Moore  •  Job date: Feb, 2024

"Brilliant work done by Danielle Happy
I have full confidence in her advice and suggestions
Utmost friendly , respectful , professional and helpful manner.
Very highly tecommended to others
Book this lady now !!"

19th Jan, 2024  •  Rating by: ROWENA  •  Contact: Danielle Happy  •  Job date: Jan, 2024

"Danielle and the team from Non Bank previously helped us secure a mortgage through non-bank finance for a unique situation which the main-stream banks wouldn’t consider.

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, especially in situations were others would assign it to the too hard basket.

If you're doing something a little different to the norm, navigating an unusual situation or just need someone who genuinely cares about your unique needs, we can’t recommend Danielle, and the Non Bank team enough."

16th Nov, 2023  •  Rating by: Michael  •  Contact: Danielle  •  Job date: Nov, 2023

"Thank you for the lightning fast and friendly replies to both the initial query and all follow up questions along the way. Extremely professional to work with, and we could see the hard work and effort put in by your team throughout the process to get this over the line! I can't reccomend you guys enough. You all put in the hard work to complete our project on time, and were pleasant to deal with throughout the process."

2nd Oct, 2023  •  Rating by: Doug  •  Contact: Douglas Cabot  •  Job date: Oct, 2023

"Good, efficient, reliable professinal team"

27th Feb, 2023  •  Rating by: Marshall  •  Contact: Natalie, Danielle, and Kim  •  Job date: Feb, 2023

"Firstly, great people! Kim & Danielle are absolutely fantastic to work with. They are high professionals and very confident and very fast in what they do which makes us very comfortable and so easy to work with. They are both very joyful and enjoyable to work with. I recommend them very highly!"

10th Oct, 2022  •  Rating by: Sahid  •  Contact: Kim & Danielle  •  Job date: Oct, 2022

"Highly recommend First Rate Morgages - Kim & Danielle.
Ultra professional, with a meticulous, super intelligent hugely knowledgeable and positive approach which has made all the difference in enabling our property purchase.
I personally found them honest, loyal, friendly & very patient with quick and clear communication."

30th May, 2022  •  Rating by: Alex  •  Contact: Danielle & Kim  •  Job date: May, 2022

"Easy, no fuss, got the job done in a timely manner. What more could you ask for!! Highly recommend particularly for non bank lending."

16th May, 2022  •  Rating by: Amy  •  Contact: Kim Lyons  •  Job date: May, 2022

"The futures looking bright ! ????????"

2nd Oct, 2021  •  Rating by: Donna  •  Contact: Yvonne Revell  •  Job date: Sep, 2021

"Enjoyed working with Yvonne from First Rate Mortgages / Non Bank Ltd she was very
approachable , easy to contact via phone , email and correspondence was very well communicated throughout the loan procedure to the end . Felt very comfortable and confident with her being our mortgage broker . Highly recommended. ."

18th Sep, 2021  •  Rating by: Sabrina  •  Contact: Yvonne Revell  •  Job date: Sep, 2021

"Highly recommend first rate mortgages and the professional help that Yvonne Revell gave while trying to refinance my mortgage. She made the impossible possible and I appreciate everything she had done. Big 5 stars thank you heaps!"

8th Jul, 2021  •  Rating by: Trae  •  Contact: Yvonne Revell  •  Job date: Jul, 2021

"We are very impressed with the outstanding service we received from Yvonne at First Rate Mortgages.
Professional, helpful and patient!
Always happy to take time out to discuss our situation and offered suggestions based on personal experience but also past applications on how best to move forward to achieve our desired result.
Even when our requests weren't always simple or straight forward, Yvonne always gave us the opportunity to explore these options and put her best foot forward on our behalf.
Trust, empathy and communication is key in being able to best represent a client and we could not be happier with the way in which Yvonne and Rosemary looked after us.
We cannot speak highly enough and happy to recommend Yvonne and the team at First Rate Mortgages."

5th Jul, 2021  •  Rating by: Juliana  •  Contact: Yvonne Revell  •  Job date: Jun, 2021

"Rosemary is simply the ideal broker to have helped us secure a mortgage for our latest move. She easily took us through the mortgage process step by step with a perfect amount of communication (calls and emails), quick replies to our emailed questions and best of all, pre-empting our questions. All that plus a friendly personality made the experience a lot more comfortable than what we initially expected."

22nd Jun, 2021  •  Rating by: Ian  •  Contact: Rosemary Miller  •  Job date: Jun, 2021

"Kim and Yvonne were very professional, supportive and sincere from the first day my wife and I met them in their office, to the signing of agreement of the service they will provide, up to their email that its all done which was within the set timeframe. Assurance and encouragements with matching clear explanations of the process, expectations and outcomes were all there which were important to us and we were very thankful to them for all of these. We hope that they will continue what they are doing and we strongly recommend them and their company Non Bank Home Loans Mortgages and Finance to other people looking for assistance."

9th May, 2021  •  Rating by: Nelson Almazar  •  Contact: Kim Lyons and Yvonne Revell  •  Job date: May, 2021

"Amazing service. Great communication and support throughout the process. I had clear instructions and was updated throughout the process so I knew what was expected of me and were things were up too.
I felt listened to and my needs considered.
Thank you for such an awesome job"

23rd Feb, 2021  •  Rating by: Kirsten  •  Contact: Rosemary Millar  •  Job date: Feb, 2021

"We approched First Rate Mortages after being declined from our bank. We found Yvonne to be very understanding and extremely helpful. We had a long process due in part to covid lockdown but we always found Yvonne to be extremely helpful and we felt she fought hard to help us. We are very grateful."

29th Dec, 2020  •  Rating by: Wendy  •  Contact: Yvonne Revell  •  Job date: Oct, 2020

"“Having just completed our first application using First Rate Mortgages…we are super impressed with Danielle, her efficiency and ability to support as if we were her sole customer. Danielle had us trusting her from the start with her professionalism and intricate knowledge of our application at all times. With Danielle’s experience and knowledge, we achieved a non-bank lending solution supported by a first tier mortgage to secure an investment property. All of which was completed remotely and with far more ease that we have ever experienced.
We'll head to Danielle and the team at First Rate Mortgages by default as this has been stress free, and they have blitzed all expectations!
If there is a chance to refer, First Rate Mortgages is my pick!”"

3rd Dec, 2020  •  Rating by: Christian  •  Contact: Christian  •  Job date: Dec, 2020

"I recently contacted First Rate Mortgages after being declined by mainstream banks as a first home buyer. I had a live deal with not much time left before unconditional date in a home I was very passionate about. Amanda got in touch with me very soon after my email, and was absolutely wonderful the entire time I dealt with her. I gave her a huge challenge with barely any time and she worked her magic and I got my house! I am so so very thankful for Amanda, without her, I would not have my home that I now am in. She constantly communicated with me and kept me up to date the entire time. I highly recommend her service. A++++"

2nd Sep, 2020  •  Rating by: Alannah  •  Contact: Amanda Bennett  •  Job date: Aug, 2020

"Yvonne was very professional and supportive during the whole process, her kindness and communication made it so much easier."

26th Aug, 2020  •  Rating by: Ebony  •  Contact: Yvonne Revell  •  Job date: Aug, 2020

"From the very beginning I felt that Rosemary and the team genuinely wanted to make this happen for us. She shopped around for the best deal and we even managed to get a great interest rate. Not only have we been able to start fresh by consolidating our other debts, we are finally on the property ladder. It would not have been possible without the help from First Rate/Non-Bank Mortgages.
Home Ownership seemed like such an unattainable dream, but here we are now, First Home Owners with the help of a Non-bank lender!
Thank you so much Rosemary & Yvonne.

For those of you seeking to engage in a non-bank or even a bank lender for your Home Loan, it helps a lot if you are organised with your own documents.
Make sure you have your payslips, debt statements, ID, KiwiSaver letters etc all in order. This helps to speed up the process for your broker, so they can work on getting you that approval!"

26th Aug, 2020  •  Rating by: Ngahi  •  Contact: Rosemary Miller  •  Job date: Aug, 2020

"We have dealt with other mortgage brokers in the past but Kim Lyons and Lorraine McDonald are by far the best. Communication was fast, friendly, honest and detailed. They secured us a great mortgage and went above and beyond. A huge thank you to them.

We highly recommend First Rate Mortgages!"

24th Aug, 2020  •  Rating by: Jo  •  Contact: Kim Lyons and Lorraine McDonald  •  Job date: Aug, 2020

"My experience was excellent with Lorraine. She went above and beyond to make everything happen for us. we really appreciate all the work she has done for us arranging our refinancing and new mortgage details."

24th Jul, 2020  •  Rating by: Toni  •  Contact: Lorraine MacDonald  •  Job date: Jul, 2020

"Thank you so much to Rosemary Miller & Kym for helping me achieve my home owner dream. I could not have done it without you. Rosemary was amazing , I felt hopeless before I found her and I am so eternally grateful. Buying my first home was very overwhelming and stressful, I almost gave up before Rosemary Came along and helped me. Thank you so so much!"

22nd Jul, 2020  •  Rating by: Brooke  •  Contact: Rosemary miller  •  Job date: Jul, 2020

"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. Thankyou so much!"

20th Jun, 2020  •  Rating by: Clare  •  Contact: Danielle Happy  •  Job date: Jun, 2020

"I applied for a mortgage just before the covid 19 lockdown and with my situation not meeting any bank lending criteria i was hopeful for a mortgage but didnt think i would ever be approved.Also with the lockdown situation i assumed i would be too much of a risk for any lender and had decided it would end up being really bad timing for me.
But danielle said my situation was tricky but possible,so i kept my fingers crossed and in the end i was approved for a mortgage.I was so happy and danielle genuinely appeared to be chuffed for me too.I appreciate the help from first rate mortgages,i now have my own home and security for my children and i."

17th Jun, 2020  •  Rating by: fiona  •  Contact: Danielle Happy  •  Job date: Jun, 2020

"My husband and I would like to say a huge thank you to Rosemary Miller for her support with helping us to refinance our home so we could clear accumulated debt from our past.
We started our journey with Rosemary in the 18th March. We submitted all our information and then the country went into Level 4 lockdown.
During the lockdown period Rosemary continued to touch base with us ensuring we were set up to proceed once we come out of lockdown.
Rosemary was prompt with following up our queries and coming back with clarification.
Right up to settlement day Rosemary was in contact with us including this week Rosemary called to ensure we were fine and told me she would continue to touch base with us over the next year.
It is such an enjoyable experience to come across a person who is genuinely interested in the well being of her client.
My husband and I highly recommend Rosemary as an excellent Mortgage Broker from First Rate Mortgages.
Cheers JnJ"

4th Jun, 2020  •  Rating by: Jill  •  Contact: Rosemary Miller  •  Job date: Mar, 2020

"Lorraine and the team were great, helped us get back on track financially with the such ease. Took all the stress and hassle out of the process. Will definitely use again and recommend to everyone I know"

17th Mar, 2020  •  Rating by: Arron  •  Contact: Lorraine MacDonald  •  Job date: Mar, 2020

"Yvonne did such an amazing job securing us our first home loan. Her dedication and professionalism was admirable and we were totally blown away by the service. We weren't sure if anyone was going to help us as other brokers seemed disinterested and took ages to get back to us but Yvonne went above and beyond and made it all so easy. We are so grateful."

3rd Feb, 2020  •  Rating by: Catherine  •  Contact: Yvonne Revell  •  Job date: Jan, 2020

"Fantastic service. We had a complex situation which was made a whole lot simpler by Kim and his team. 5 Stars!"

13th Dec, 2019  •  Rating by: Matt  •  Contact: Kim Lyons  •  Job date: Dec, 2019

"Yvonne and Kim brought together a great solution for my partner and I to purchase a home together, despite some historic challenges. They listened, guided us through the process, made things simple and were responsive and professional at all times. For anyone looking for a mortgage solution I would absolutely recommend you talk to Yvonne or Kim - they are brilliant at what they do! Thank you to both of you for making our process go so smoothly, we are now in our beautiful new home and we couldn't be happier!"

9th Dec, 2019  •  Rating by: Jo  •  Contact: Yvonne Revell  •  Job date: Nov, 2019

"I rang Nonbank and spoke with Rosemary. She was very friendly and helpful from that very first phone call. She made everything easy and even now after we have moved in she still makes contact. I felt so at ease with the process of everything and would be happy to work with them again."

3rd Dec, 2019  •  Rating by: Karen  •  Contact: Rosemary Miller  •  Job date: Nov, 2019

"Yvonne was outstanding in every way possible. Yvonne was communicative and helpful during the entire process. The outcome was positive and this has changed our lives significantly.
We will be recommending this service to others. I for one did not realise this option existed."

18th Nov, 2019  •  Rating by: Vicki  •  Contact: Yvonne Revell  •  Job date: Nov, 2019

"Best experience I have ever had getting my first home loan thanks to Yvonne Revell from First Rate Mortgages Ltd. She was there for me right from the start, every step of the way. She made things really easy for me and answered any questions I had. I more less just put my application in and a few documentation and she did the rest, it was as easy as that thanks to Yvonne and within a week and had been accepted for a mortgage. It was as smooth as anyone could expect. Thank you very much Yvonne. Would definitely be referring people to you and your services xox"

1st Nov, 2019  •  Rating by: Renae  •  Contact: Yvonne Revell  •  Job date: Oct, 2019

"Yvonne has made the process so simple, she was easy to talk to, made sure we understood everything. Contacted us back every time we had a question. She went above and beyond. I would highly recommend Yvonne and the team."

7th Oct, 2019  •  Rating by: Shannon Thompson  •  Contact: Yvonne Revell  •  Job date: Oct, 2019

"Rosemary was in my corner right from the get go and it was not an easy ask to get me a mortgage. I really appreciated her considered effort and excellent communication."

6th Sep, 2019  •  Rating by: Tania  •  Contact: Rosemary Miller  •  Job date: Sep, 2019

"A great company to deal with - Natalie was so helpful, gave us a range of options and delivered fantastic customer service - cant fault them!"

21st Aug, 2019  •  Rating by: Teresa  •  Contact: Natalie Sieberts  •  Job date: Aug, 2019

"Fantastic to deal with rosemary, I've dealt with a few mortgage brokers before and it was daunting but rosemary made it easier and was encouraging all the way"

19th Aug, 2019  •  Rating by: Gina millington  •  Contact: Rosemary  •  Job date: Aug, 2019

"Kim Lyons and Amanda Bennett at First Rate Mortgages are amazing people.
In this age where the large banks are being tough, demanding and extremely difficult to work with, Kim and Amanda at First Rate Mortgages make things possible again, for all New Zealanders.
They listen, they work hard, and they get it. Straight up genuine Kiwi helpfulness.
They have assisted us with securing property and business finance, and have opened new doors of opportunity with new lenders... amazing.
If you're looking for, or need assistance seeking affordable finance options (for business or private needs), we would certainly recommend First Rate Mortgages.
Charlie"

31st Jul, 2019  •  Rating by: Charlie  •  Contact: Charlie  •  Job date: Jul, 2019

"Refinancing and new finance where Banks were not interested. Exceptional service and an awesomely perfect result for my difficult situation! Constantly kept informed, communication and the expertise absolutely amazing. I recommend without reservation!"

22nd Jul, 2019  •  Rating by: Tip  •  Contact: Kim Lyons  •  Job date: Jul, 2019

"Top, no nonsense company.
Fast, helpful and reliable. Everything you want in a mortgage broker."

17th Jul, 2019  •  Rating by: Jordan  •  Contact: Danielle Happy  •  Job date: Jul, 2019

"Danielle was extremely helpful. Where standard banks had let us down Danielle and her team worked tirelessly to get us what we needed to build our dream home. As we were building our home ourselves, the standard banks would not consider us even though we had plenty of equity and a good credit rating. Thank you Danielle."

12th Jun, 2019  •  Rating by: Donald Windybank  •  Contact: Danielle Happy  •  Job date: Jun, 2019

"I really appreciated the support, patience and advice I got from Danielle"

9th May, 2019  •  Rating by: Mandifadza  •  Contact: Danielle Happy  •  Job date: May, 2019

"After being declined by two mortgage brokers myself and my partner were heartbroken. I googled ‘bad credit mortgage’ and got in contact with Lorraine who had told us within 3 days that chances were looking good. 2 months later we are all moved into our property and couldn’t be happier. I was nervous that I could not meet with Lorraine as in different cities but she kept in contact every step of the way that it wasn’t even something that was thought of as an issue. Thank you so much for all your help."

18th Apr, 2019  •  Rating by: Tayla  •  Contact: Lorraine Macdonald  •  Job date: Apr, 2019

"Words cannot express the service I received from Lorraine, I was in a very difficult position and could not see a way forward and admittedly I had buried my head in the sand. But Lorraine and the team worked hard to come up with a way forward and she never judged me or made me feel bad, but just remained positive and focused. Thanks for everything"

18th Dec, 2018  •  Rating by: Tony Parrott  •  Contact: Lorraine MacDonald  •  Job date: Dec, 2018

"We were very grateful to have found Kim in the last few years during our first messed up building projects, while Kim made our troubled easy. He helped us tidied our loans and got us great deals and extra funds to complete our building projects.
Kim is a 5 stars professional mortgage broker. Kim and his team (Danielle) are very friendly and easy to talk to while being professional, efficient and fast paced at all times and has kept in touch with us regularly throughout the various stages to completion.
We are most definitely recommend anyone looking for a mortgage or financial advice, before you commit to a bank or another broker, give Kim a call."

20th Feb, 2018  •  Rating by: Muy and Hong  •  Contact: Kim? and Danielle  •  Job date: Feb, 2018

"Kim’s experience in the industry is second to none. Kim and his team are very professional and I wouldn’t hesitate to recommend them to anyone who is looking to expand their portfolio in any lending conditions. Thanks Kim for all your help."

29th Jan, 2018  •  Rating by: Paul  •  Contact: Kim Lyons  •  Job date: Jan, 2018

"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."

25th Jan, 2018  •  Rating by: Lorna Maddock  •  Contact: Kim Lyons  •  Job date: Oct, 2017

"I have had Kim Lyons work for us on three deals and have found to be knowledgeable and very effective. When putting a loan together for a home or a commercial property development Kim Lyons and his team are top notch. As a devloper my view is if Kim can’t get the deal over the line no one will. Richard McNaughton"

30th Dec, 2017  •  Rating by: Richard  •  Contact: Kim Lyons  •  Job date: Dec, 2017

"NonBank was recommended to my investment company by my every day bank as they weren't doing construction lending when I required it.

I had limited time in which to raise the capital. Kim Lyons was my point of contact in NonBank. He was able to put together the desired facility for my company quickly. I was very impressed with the efficacy and the sharp deal they oranged for me.

A great outfit that I'm happy to recommend."

28th Dec, 2017  •  Rating by: John  •  Contact: John Shearer  •  Job date: Dec, 2017