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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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Latest Financial Insights

Learn how much deposit you need to buy a home in New Zealand, including tips on low-deposit options and strategies for saving faster.

How Much Deposit Do You Need to Buy a Home in NZ?

Buying your first home is an exciting step, but for many New Zealanders, the biggest challenge is saving the deposit....

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Learn how to get pre-approved as a first home buyer in New Zealand with this step-by-step guide from Luminate Financial Group.

How to Get Pre-Approved as a First Home Buyer

Getting pre-approved is one of the most important steps in buying your first home. It gives you clarity around your...

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Discover how to calculate how much money you may be able to borrow for a home loan in New Zealand and understand key influencing factors.

How to Calculate Your Borrowing Power

If you're thinking about buying your first home, one of the biggest questions is, "How much can I actually borrow?"

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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? A First Time Buyer’s Budget Guide

Buying your first home is a huge milestone. But before you start browsing listings or heading to open homes, the most...

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First Home Loan: Are You Eligible?

First Home Loan: Are You Eligible?

Buying your first home in New Zealand can feel like a daunting financial challenge. With rising house prices and strict...

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Find the right loan structure to fit your needs. Discover the best mortgage options for first-home buyers in New Zealand with Luminate Financial Group's comprehensive guide.

What Type of Mortgage Is Best for First Home Buyers?

If you're buying your first home in New Zealand, you’ve probably already discovered that mortgages aren't...

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