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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?

Picture of Trent Bradley Trent Bradley

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

Picture of Trent Bradley Trent Bradley

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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Let's explore each ownership option comprehensively to help you determine what's actually appropriate for your circumstances.

Trust, Company, or Personal Name: What's the Best Way to Own Investment Property in NZ?

Picture of Trent Bradley Trent Bradley

One of the most frequently asked questions from property investors is: "Should I own my investment properties in my...

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This detailed guide provides comprehensive analysis of consultant costs across all professional disciplines with practical strategies for cost management and value optimization.

Consultant Costs in Property Development: A Comprehensive Budget Guide for New Zealand

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Professional consultant costs represent a significant investment in New Zealand property development, typically...

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Self-employed in New Zealand and need to refinance? Learn what documentation lenders require, how to prove income, and strategies for successful mortgage refinancing as a business owner.

How Self-Employed Kiwis Can Successfully Refinance Their Mortgage

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Self-employment offers flexibility, independence, and potentially unlimited earning potential, but it creates unique...

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Let's explore the most commonly missed tax deductions for New Zealand property investors, how to claim them properly, and what documentation you need to maintain.

Top Tax Deductions NZ Property Investors Are Missing Out On

Picture of Trent Bradley Trent Bradley

Property investment generates substantial tax obligations, but it also creates numerous legitimate deduction...

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This comprehensive guide provides practical strategies for effective council engagement from initial planning through project completion.

Working with Council for Subdivision in New Zealand: Building Successful Partnerships

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Successful subdivision development in New Zealand requires positive, professional relationships with local councils...

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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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