David has been operating this public practice since 2004. He is very customer focused taking time to understand client issues and applying creative thought to find the best solutions.
An accomplished world ocean racing sailor and skipper, with a skill to be able to think outside the square.
The more you understand, the better you sleep.
We have a very capable team who look forward to assisting you with your accounts. Meet our team ...
Based in Silverdale our services include -
Accounting - Preparation of accounts & taxation returns for businesses (incl trusts), rental properties (incl LTC), and personal tax returns.
Taxation - Ensuring your business or rental property operates in the most tax effective way. This includes advising on business ownership structures.
Business Purchase - Review of prospective businesses from an accountants view point.
Business Structure - Ensure your business structure achieves efficiency for tax and security for your assets
Business Accounting - We use modern efficient accounting software to monitor your business. Working together we can achieve the best results. Tax efficiency is a component of maximising business returns. Our aim is to ensure you fully understand your structure.
Rental Accounting - Ensuring your rental property operates in the most tax effective way. Depreciation is still allowed on chattels, which is commonly not claimed. Ownership structure is critical to best outcome, which we can advise you on.
Trust Accounting - Keeping your trust accounts up-to-date to ensure that your assets are protected. Correct administration of the trust is critical for its ability to perform as desired.
Read More on our Services and Rates ...
With the choice of lenders still very limited and credit policy becoming increasingly tight, there are many genuine potential borrowers just looking for help when their bank has turned them away.
Non Bk Ltd pride themselves on having a strong focus on finding Non Bank lending solutions for all New Zealanders.
The Non Bank Lending Specialist. Kim Lyons is the owner of First Rate Mortgages Ltd. The Non Bank website was built by him as a New Zealand first, and Kim works with a very experienced support team in his Orewa office, along with two additional mortgage brokers helping with enquiries in Auckland and throughout NZ.
While dealing with most mainstream banks, Kim can also offer specialist Non Bank lending advice and services.
Non-Bk is accredited with four Non Bank Australian funders operating in New Zealand and helping Kiwis with urgent business finance.
Quick decisions can be made, often just by looking at business bank statements, and offering both secured and unsecured options. Credit issues are not a deal breaker, it is all about cash flow and businesses can be helped across all sectors including construction, retail, hospitality, manufacturing and the rural sectors.
We can look at short term finance up to $500,000 based on your turnover or real estate equity and either business loans or a business line of credit could be available depending on circumstances.
Check out our Business Finance Loans information page and apply now.
Non Bank lenders specialise in Non Bank financing for spec builds, rental investments, those wanting to apply for a bad credit home loan, refinancing and debt consolidation or clients needing top ups and bridging finance. Click on the following links for further information
Bad Credit Home Loans | Non Bank Credit Refinance | Non Bank Bridging Finance | Non Bank New Builds | Non Bank Rental 80%.
Non bank low doc home loans, equity release, and refinancing is now available in NZ for up to 80% of valuation with minimal income verification required.
A low doc home loan can allow those who are self-employed, on contract or seasonal work, or those who run a small business to apply for a loan from a Non Bank provider. Click on the following links for further information -
Non Bank Low Doc Equity Release | Non Bank Low Doc Home Loans | Non Bank Low doc Refinance.
With the RBNZ LVR limitations of 80% lending on owner occupied homes and 65% on rentals, we are often asked to assist first home buyers with 90% funding, using a second mortgage, or rental investors looking for additional funds for renovations, or additional purchases. Often referred to as second tier lending Non Bank can help you find the best deal. Click on the following links for further information -
Second Mortgage Debt Consolidation | Second Mortage Business and IRD | Second Mortgage New Homes and Bridging.
As commercial mortgage brokers dealing with New Zealand lenders, we specialise in commercial financing, with property loans up to 65%. Commercial property development loans with Non Bank lenders can be arranged for residential development and commercial projects, such as spec builds, investment, or home and land developments.
Also if you would prefer to work out of your own premises instead of paying rent Non Bank can help with organising commercial development loans. Click on the following links for further information -
Non Bank Commercial Property Investment | Non Bank Development and Construction | Non Bank Owner Occupied
2024: Our adviser Danielle Happy won the 2024 New Zealand Mortgage Awards Avanti Finance Adviser of the year for Specialist Lending. First Rate Mortgages is a niche financial adviser firm based in Orewa. We have the pleasure of working with a large number of bank and non-bank lenders. Our team focus on helping clients with home loans, investments, developments, construction, difficult to prove income and/or credit issues. Solving problems with solutions is what we do best.
As well as specialising in Non-bank mortgages we also deal with all other mortgage finance service. Check out what else we can do for you through our First Rate Mortgage Brokers page on this site or visit us directly at https://firstratemortgages.co.nz
Established in 2006, the team at First Rate Mortgages Ltd have had many years experience in both banking, broking and in business as well as personal experience as home owners, investors and working on their own builds and renovations.
We are pleased that our adviser Danielle Happy won the 2024 New Zealand Mortgage Awards Avanti Finance Adviser of the year for Specialist Lending. First Rate Mortgages is a niche financial adviser firm based in Orewa. We have the pleasure of working with a large number of bank and non-bank lenders. Our team focus on helping clients with home loans, investments, developments, construction, difficult to prove income and/or credit issues. Solving problems with solutions is what we do best.
First Rate Mortgages Ltd is one of New Zealand's leading experts when it comes to debt consolidation, mortgage refinancing, and helping clients with top ups on an existing mortgage.
Their services are tailored to your specific needs, and they have helped hundreds of clients with mortgage refinancing when traditional banks have been unable to. If you would like to look at Debt Consolidation, Topping Up Your Mortgage or Mortgage Refinancing, Call Us.
First Rate Mortgages Ltd are a lender that specialises in Non Bank lending and home loans that banks can't always help with, such as self-employed, a start-up business, release of equity, payment of IRD tax arrears, saving a mortgagee sale, or applying for a bad credit home loan. Whether it's A Bad Credit Rating, you need Self-Employed / No Financials Home Loan or need a Second Mortgage, or whether you need a Low Doc loan which helps if you are self-employed or on commission only, Call Us.
Since Covid there has been an increased demand for short-term business loans and business lines of credit due to the impact of COVID-19 on business operations and many of these need to be low documentation.
Low doc loans are usually used as short-term solutions until a property is sold or financial accounts become available for long-term bank funding. However, non-bank finance will usually come with higher rates than bank lenders and this is where a mortgage broker can make the difference.
Many businesses had to scale back to survive during Covid but now require additional non-bank working capital finance for future planning. It is important to consider the cost of missed opportunities when assessing your financing needs. If you need a higher level of stock, new equipment, or more staff to take advantage of potential deals or sales, non-bank lenders can often provide faster online approval and funding for secured and unsecured options.
Visit our non-bank website for more information on business finance. The team is accredited with four Non Bank Australian funders operating in New Zealand and helping Kiwis with urgent business finance.
With over 68 years of financial and home loans experience in NZ, the team at First Rate Mortgages Ltd have a reputation for providing professional and quality services to first home buyers and understanding home loans both on the Hibiscus Coast and for clients across New Zealand.
Many banks and lenders offer attractive cashbacks as incentives for you to take advantage of when taking a loan. The team at First Rate Mortgages are able to source and help you find the best options for you with regard to cash backs on mortgages.
First Rate are committed to providing a comprehensive service with a focus on each individual client. We can help whether you are First Home Buyer, New Home Build, Buying a New Home, Using Kiwisaver Savings and a Home Starter Grant, Needing Bridging Finance or Want to find out more about interest rates, Call Us.
You are always welcome to subscribe to our newsletter which you can Subscribe here for regular articles and updates.
Talk to our rental investments specialists for money management and debt advice and make smarter choices and decisions. First Rate Mortgages Ltd go above and beyond traditional banks and mortgage advisors to help you buy your first rental and look after your rental investments. If you would like to look at Buying your first rental investment, adding to your Rental Property Portfolio or consider Commercial Property Finance, Call Us.
As advised we also service non-bank lending - please check our Non-Bk Ltd - Non bank mortgage lending page on this site or go directly to our website at https://nonbank.co.nz
If you require premises but would prefer to own your own instead of leasing First Rate Mortgages can also help you with commercial lending for your property purchase.