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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.

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Bank or mortgage adviser for your first home loan in NZ? Compare options, costs, benefits, and learn why 70%+ of first-home buyers choose advisers in 2025.

Bank or Mortgage Adviser? Complete Guide for NZ First-Home Buyers

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If you're buying your first home in New Zealand, one of the earliest and most important decisions you'll face is: Who...

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Who qualifies as a first-home buyer in NZ? Learn the official definition, eligibility criteria, second-chance buyer rules, and how it affects KiwiSaver and First Home Loan access.

Who Qualifies as a First-Home Buyer in NZ – 2025 Guide

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Buying your first home is an exciting milestone, but before you dive into property listings and open homes, you need to...

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Complete guide to Kāinga Ora First Home Loan in NZ. Learn eligibility requirements, income caps, price limits, and how to buy with just 5% deposit in 2025.

Kāinga Ora First Home Loan: Complete Guide for NZ Buyers in 2025

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For many aspiring homeowners in New Zealand, saving a 20% deposit feels like an insurmountable challenge. Property...

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Learn how to combine KiwiSaver withdrawal, First Home Loan, and cashback incentives to buy your first home in NZ with as little as 5% deposit in 2025.

Using KiwiSaver, First Home Loan & Deposit Tools Together in NZ

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Saving a house deposit can feel overwhelming, especially in New Zealand's challenging property market. The good news?...

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Beyond the deposit: discover 10+ hidden costs first-home buyers miss in NZ. From legal fees to LIM reports, learn what to budget for when buying your first home in 2025.

Hidden Costs of Buying a Home (That First Timers Miss)

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Buying your first home is one of the biggest financial milestones you'll ever reach – exciting, nerve-wracking, and...

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How much deposit do you need to buy a home in NZ? Learn about 5%, 10% and 20% deposit options, First Home Loan eligibility, and strategies to save faster in 2025.

How Much Deposit Do You Need to Buy a Home in NZ?

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Buying your first home in New Zealand? The deposit is often the biggest hurdle between dreaming about homeownership...

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Discover how to calculate how much money you may be able to borrow for a home loan in New Zealand and understand key influencing factors.

How to Calculate Your Borrowing Power NZ 2025

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Quick Answer: New Zealand banks typically approve loans of 5-6 times your gross annual income, adjusted for debts and...

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See how much you can afford to spend on your first home with Luminate's comprehensive budget guide for New Zealand first-time buyers.

How Much Can You Afford? First Home Buyer Budget Guide NZ 2025

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Quick Answer: New Zealand banks typically lend 5-6 times your annual household income, assuming modest expenses and...

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Discover how New Zealand's First Home Loan can help you buy your first home with just a 5% deposit. Check eligibility, application tips, and avoid commo...

First Home Loan: Are You Eligible? Complete 2025 Guide

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Quick Answer: To qualify for New Zealand's First Home Loan scheme, you need to be a first-time buyer (or second-chance...

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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.

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