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Complete checklist of documents needed for a home loan in New Zealand. Learn what lenders require for identity, income, debts, and deposit verification. Save time with our detailed guide from Luminate Financial.

Home Loan Documents Checklist for NZ Buyers – 2025 Guide

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Applying for a home loan can feel like a big task, especially if you've never done it before. You've saved your deposit...

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Not mortgage ready yet? Learn exactly what to do to fix your deposit, debts, credit score, and income. Complete action plan with timelines from Luminate Financial advisers in New Zealand.

Not Mortgage Ready? Action Plan for NZ First-Home Buyers

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You've been thinking about buying your first home. You've probably browsed a few listings, checked a mortgage...

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Complete guide to the home buying process in New Zealand for first-time buyers. Learn every step from pre-approval to settlement, with timelines, costs, and expert tips from Luminate Financial.

Home Buying Process in NZ: Step-by-Step Guide for First-Timers

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Buying your first home is exciting, but it can also feel overwhelming. There are forms, contracts, deadlines, and...

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Learn how to work effectively with real estate agents as a first-home buyer in New Zealand. Understand their role, protect your interests, and navigate negotiations confidently with expert tips from Luminate.

Working with Real Estate Agents: Guide for NZ First-Home Buyers

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If you're buying your first home in New Zealand, you're going to encounter real estate agents early in the process....

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Many first-home buyers find it helpful to bring a trusted friend or family member. A second person often spots things you may miss, especially when you're emotionally invested in a property.

Open Homes Checklist for First-Time NZ Property Buyers

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Walking through your first open home is an exciting step in your journey to buying a property. You're finally off the...

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Learn how to withdraw your KiwiSaver for your first home in New Zealand. Complete guide covering eligibility, amounts, application process, and expert tips from Luminate Financial.

KiwiSaver First Home Withdrawal: Guide for NZ Buyers 2025

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For many first-home buyers in New Zealand, KiwiSaver is the key that unlocks the door to homeownership. Since the...

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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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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.

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