New Zealand’s mortgage market is changing. Tighter bank criteria, CCCFA obligations, and Reserve Bank DTI rules mean...
Latest Financial Insights
Making the decision between building a new home or purchasing an existing property is one of the biggest choices you'll...
For many borrowers, the assumption is that banks are the only path to finance. But traditional banks operate with...
For many New Zealanders, getting onto the property ladder or refinancing a home loan can feel out of reach when banks...
Over the past 18–24 months a noticeable shift has emerged in New Zealand’s lending landscape: an expanding role for...
Interest rates matter—but they aren’t the only factor that determines whether a loan is right for you. Approval...
As Director of Luminate Financial Group, he’s helped clients secure 1.5 billion in lending by doing what others won’t:...
If you are looking to boost your property’s value before selling, or simply want to make smarter upgrades that build...
Whether you are a first-home buyer or a property investor, navigating the lending market can be overwhelming. With...
