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Discover the key differences between bank and non-bank mortgages, focusing on approval speed, documentation, income assessment, and policy flexibility to find the right loan for you.

Non-Bank vs Bank Mortgages: What’s the Real Difference Beyond Rates?

Picture of Trent Bradley Trent Bradley

Interest rates matter—but they aren’t the only factor that determines whether a loan is right for you. Approval...

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Bank won't fund your development project? Discover flexible property development finance in NZ including full funding, mezzanine & top-up options outside servicing criteria.

Property Development Funding: Beyond Bank Servicing Criteria

Picture of Trent Bradley Trent Bradley

You've got the site. You've got the plans. You've got the builder. You've run the numbers twenty times—the project...

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Asset sale pending but need cash now? Learn how short-term working capital loans bridge the gap between sale agreements and settlements for NZ businesses.

Short-Term Working Capital: When You're Selling an Asset

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You've made the decision. The business is selling a major asset—equipment, property, a vehicle fleet, inventory, maybe...

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Need breathing room during property selldown? Discover how development bridge loans help NZ developers manage surplus stock, cash flow gaps & extended sales timelines.

Development Bridging Loans: Funding the Final Sprint to Selldown

Picture of Trent Bradley Trent Bradley

Construction is complete. The CCC is issued. Your units look fantastic. You've got a few sales under contract.

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Won a big contract but payment comes later? Discover how contract-based working capital helps NZ businesses fund delivery when revenue arrives at completion or irregularly.

Contract-Based Working Capital: Funding for Lumpy Cash Flow

Picture of Trent Bradley Trent Bradley

You just won the contract. It's significant—maybe the biggest job your business has ever landed. Six figures, possibly...

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Employment gap mortgage solutions in NZ. Luminate provides bridge loans during job transitions, redundancy, relocations & career changes when banks require continuous employment.

Employment Transition Loans: Mortgage Solutions Between Jobs in New Zealand

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You've accepted your dream job. The contract is signed, the start date is confirmed, and everything is falling into...

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NZ portfolio refinancing solutions. Luminate helps multi-property owners consolidate loans, release equity, and refinance when banks decline complex property portfolios.

Portfolio Refinancing: Solutions for Multi-Property Owners in New Zealand

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You own four investment properties across Auckland and Hamilton. Your portfolio is worth $3.2 million with combined...

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Non-bank refinancing solutions in NZ when banks won't extend your mortgage. Luminate provides refinancing options for credit issues, self-employment, and complex situations.

Non-Bank Refinancing: When Your Lender Won't Extend Your Mortgage

Picture of Trent Bradley Trent Bradley

Your fixed-rate mortgage expires in three months. You've banked with the same lender for eight years, never missed a...

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Retrospective consent funding in NZ for code compliance issues. Luminate provides finance for building consent rectification when banks decline properties with compliance problems.

Retrospective Consent Funding: Financing Code Compliance Solutions in New Zealand

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You're buying your dream home. The building inspection reveals what the vendor didn't disclose: the sleepout was built...

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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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