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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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Buying your first home is exciting, but it can also feel overwhelming. There are forms, contracts, deadlines, and...
If you're buying your first home, you're going to encounter real estate agents early in the process. They’ll show you...
Walking through your first open home is an exciting step in your journey to buying a property. You’re finally off the...
For many first-home buyers in New Zealand, KiwiSaver is the key that unlocks the door to homeownership. Since the...
If you’re buying your first home, one of the earliest decisions you’ll face is who to turn to for your home loan....
Buying your first home is a big milestone, but understanding whether you qualify as a first-home buyer is an essential...
For many first-home buyers in New Zealand, saving a 20 percent deposit can feel out of reach. The Kāinga Ora First Home...
In May 2024, the New Zealand Government scrapped the First Home Grant, a decision that means many first-home buyers...
Buying your first home is a huge milestone – exciting, emotional, and just a little bit stressful. Most people spend...