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Learn how to refinance your mortgage in New Zealand after income changes—whether increases, decreases, job changes, or self-employment. Discover strategies for successful refinancing.

How to Refinance When Your Income Has Changed

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Income changes are a natural part of life—you might receive a promotion, change careers, start your own business,...

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Let's demystify rental yield comprehensively so you can use this metric effectively in your property investment strategy.

Rental Yield Explained: What's a Good Yield in the NZ Market?

Picture of Trent Bradley Trent Bradley

Rental yield represents one of the most commonly cited metrics in property investment, yet it's also one of the most...

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This comprehensive guide explains the entire resource consent process, from initial planning through final approval, providing practical strategies for achieving successful consent outcomes.

Resource Consent Process in New Zealand: A Complete Guide for Developers

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The resource consent process represents one of the most critical and potentially complex aspects of property...

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Let's explore this decision comprehensively, examining the advantages and challenges of each approach to help you determine where your first investment property should be.

Auckland vs Regional NZ: Where Should You Buy Your First Investment Property?

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For aspiring property investors making their first purchase, one of the most consequential decisions is whether to...

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Navigate refinancing after separation or divorce in New Zealand. Learn how to remove an ex-partner from your mortgage, understand your options, and protect your financial future.

Refinancing After Separation or Divorce in New Zealand

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Separation and divorce are among life's most challenging experiences, bringing emotional turmoil alongside complex...

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This comprehensive guide explores all aspects of development lending in New Zealand, from application processes through successful loan completion.

Development Loans in New Zealand: Complete Guide to Specialized Lending

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Development loans represent the backbone of New Zealand's property development industry, providing the specialized...

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This detailed guide explores all major subdivision financing options and provides strategic guidance for optimizing funding arrangements to support successful subdivision outcomes.

Finance Options for Subdivision in New Zealand: Comprehensive Funding Solutions

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Subdivision development requires specialized financing solutions that accommodate the unique characteristics of land...

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Considering consolidating personal loans into your mortgage in New Zealand? Understand the benefits, risks, and whether rolling loans into your home mortgage makes financial sense.

The Pros and Cons of Rolling Personal Loans into Your Mortgage

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Personal loans serve various purposes in New Zealand—financing vehicles, consolidating smaller debts, funding home...

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As we move through 2025, several New Zealand locations stand out for their combination of these fundamental attributes, offering compelling opportunities for property investors.

Top 5 Property Investment Hotspots in New Zealand for 2025

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Location selection represents perhaps the single most consequential decision property investors make. The difference...

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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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