Smarter Property & Finance Decisions Start Here
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.

Latest Financial Insights
Search Articles
Filter by Topic
Sort Articles
You have probably heard the message before: Mortgage rates are low. You might be paying too much. Refinance now and...
The new year is more than just a change in the calendar. It is an opportunity to take stock, reset your priorities, and...
When you imagine buying your first home, it can feel like a simple equation. There is you, possibly your partner, the...
Buying your first home is exciting, but are you ready? Here are the key financial, emotional, and practical questions...
Buying your first home is a major life milestone but deciding when to make the move can feel overwhelming. With...
For many Kiwis, the dream of homeownership starts with a simple question: should I keep renting, or is it time to buy...
Buying your first home in New Zealand should be one of life’s great milestones. A moment filled with excitement, pride,...
Applying for a home loan can feel like a big task, especially if you’ve never done it before. You’ve saved your...
You’ve been thinking about buying your first home. You’ve probably browsed a few listings, checked a mortgage...