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Welcome to Luminate Insights — where first-home buyers, growing families, and everyday Kiwis come to learn, plan, and take confident steps toward homeownership. From expert mortgage tips to must-know market updates, we’re here to help you move forward with clarity.

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See how much you can afford to spend on your first home with Luminate's comprehensive budget guide for New Zealand first-time buyers.

How Much Can You Afford? First Home Buyer Budget Guide NZ 2025

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Quick Answer: New Zealand banks typically lend 5-6 times your annual household income, assuming modest expenses and...

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Discover how New Zealand's First Home Loan can help you buy your first home with just a 5% deposit. Check eligibility, application tips, and avoid commo...

First Home Loan: Are You Eligible? Complete 2025 Guide

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Quick Answer: To qualify for New Zealand's First Home Loan scheme, you need to be a first-time buyer (or second-chance...

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Comparing fixed, floating, revolving credit & more. Expert advice on choosing the right mortgage for your first home in New Zealand. Free consultation a...

Best Mortgage Types for First Home Buyers NZ 2025 | Complete Guide

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Quick Answer: Most first-home buyers in New Zealand choose a combination of fixed-rate (70-80%) and floating-rate...

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Get mortgage pre-approval in NZ in 3-5 days. Complete guide covering required documents, step-by-step process, common mistakes, and how to maximize your approval amount as a first-home buyer.

How to Get Pre-Approved for a Mortgage NZ 2025 | First Home Buyers

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Quick Answer: Mortgage pre-approval in New Zealand takes 3-5 working days and requires proof of income (payslips or...

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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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