For many first-home buyers in New Zealand, saving a 20 percent deposit can feel out of reach. The...

Welcome to Luminate Insights — where first-home buyers, growing families, and everyday Kiwis come to learn, plan, and take confident steps toward homeownership. From expert mortgage tips to must-know market updates, we’re here to help you move forward with clarity.
For many first-home buyers in New Zealand, saving a 20 percent deposit can feel out of reach. The...
In May 2024, the New Zealand Government scrapped the First Home Grant, a decision that means many...
Buying your first home is a huge milestone – exciting, emotional, and just a little bit stressful....
Buying your first home is an exciting step, but for many New Zealanders, the biggest challenge is...
Getting pre-approved is one of the most important steps in buying your first home. It gives you...
If you're thinking about buying your first home, one of the biggest questions is, "How much can I...
Buying your first home is a huge milestone. But before you start browsing listings or heading to...
Buying your first home in New Zealand can feel like a daunting financial challenge. With rising...
If you're buying your first home in New Zealand, you’ve probably already discovered that mortgages...
Luminate Financial Group Limited (FSP765531) is a licensed Financial Advice Provider (Class 2 FAP), authorised to provide regulated advice on home loans, commercial and business lending, and specialist finance.
Luminate Finance Limited (FSP449126) is registered under the Financial Service Providers (Registration and Dispute Resolution) Act 2008 to provide consumer credit contracts and non-consumer credit contracts. It is not a licensed Financial Advice Provider and does not offer regulated financial advice. Investment opportunities are available only to investors who meet specific wholesale investor criteria as defined in the Financial Markets Conduct Act 2013. These are not regulated offers and are not open to retail investors.
All lending is subject to credit assessment and responsible lending obligations under the Credit Contracts and Consumer Finance Act 2003. We follow the Responsible Lending Code to ensure loans are suitable and affordable for our clients.
¹Past performance is not a reliable indicator of future results. Fixed rates are subject to change. Terms, conditions, lending criteria, fees, and charges apply. Images may be indicative only.