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This guide explores how to structure property loans strategically to maximize portfolio growth, maintain flexibility, and optimize your position for long-term success.

How to Structure Your Property Loans for Maximum Growth

Picture of Trent Bradley Trent Bradley

Loan structuring represents one of the most overlooked yet impactful decisions property investors make. How you...

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This comprehensive guide explores all major exit strategies with practical frameworks for selection and implementation.

Exit Strategies for Property Development in New Zealand: Maximizing Returns and Managing Risk

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Exit strategy planning represents one of the most critical yet often overlooked aspects of property development success...

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Learn how to properly compare refinancing offers from different New Zealand banks. Understand rates, fees, features, and total costs to make the best refinancing decision.

How to Compare Refinancing Offers from Different NZ Banks

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Receiving multiple refinancing offers from different banks is excellent—it means you have options and negotiating...

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Let's explore the key tenancy law requirements and recent changes every New Zealand landlord must understand in 2025.

Tenancy Law Changes Every NZ Landlord Needs to Know in 2025

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New Zealand's tenancy law landscape has undergone substantial changes in recent years, fundamentally altering the...

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This comprehensive guide explores all aspects of property development refinancing in New Zealand's dynamic finance market.

Refinancing Property Development in New Zealand: A Complete Strategy Guide

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Refinancing represents a critical transition point in property development, enabling developers to move from high-cost...

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Deciding whether to refinance with your current bank or switch lenders in New Zealand? Compare the pros and cons, understand loyalty vs. better rates, and make the best choice.

Should You Refinance with Your Current Bank or Switch Lenders?

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When your fixed mortgage term is ending or you're considering refinancing, one of the first decisions you face is...

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Let's explore the most significant legal pitfalls facing New Zealand property investors and the steps to avoid them.

Legal Pitfalls to Avoid When Buying Investment Property in NZ

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Property investment involves significant legal complexities that can create costly problems for unwary investors. From...

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This comprehensive guide provides a structured framework for evaluating hold versus sell strategies across different development types, market conditions, and investor circumstances.

Should I Hold or Sell My Property Development? A Strategic Decision Framework for New Zealand

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One of the most critical decisions facing property developers in New Zealand is whether to sell completed developments...

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Want to improve your credit score before refinancing in New Zealand? Follow this practical 90-day plan to boost your creditworthiness and secure better mortgage rates.

Improving Your Credit Score Before Refinancing: A 90-Day Plan

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Your credit score significantly influences refinancing outcomes—affecting whether lenders approve your application,...

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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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