Apply Now

Smarter Property & Finance Decisions Start Here

From expert mortgage tips to must-know market updates, Luminate is here to help you move forward with clarity.

luminate-financial-group-insights-blog

Latest Financial Insights

Search Articles
Filter by Topic
All Topics ▾
All Topics Property Development & Subdivisions (39) Refinancing (30) Property Investments (29) First Home Buyers (22) Luminate Services (12) Construction Financing (10) Deposits Explained (7) Insights (7) Non-Bank (7) Budget & Affordability (5) Explore (5) Getting Started (5) How It Works (5) Deposit & Savings (4) Eligibility & Schemes (4) Guide (4) Legal & Structure (4) Picking the Right Site (4) Planning and Zoning Rules (4) The Buyers Journey (4) The Development Process (4) What is Property Development? (4) Costs & Fees (3) Councils and Consultants (3) Credit & Eligibility (3) Debt Consolidation (3) Equity & Property Value (3) Feasibility and Financial Modelling (3) Foundations (3) Funding Your Development (3) Interest Rates & Savings (3) Intro (3) Investment Goals (3) Investment Properties (3) Investment Strategy (3) Life Changes & Refinancing (3) Mindset & Education (3) Mortgage Basics (3) Picking The Right Location (3) Property ROI (3) Property Types (3) Refinancing Basics (3) Rules & Restrictions (3) Stakeholders & Key Players (3) Subdividing Land (3) Subdivision Basics (3) The Consents Process (3) The Refinance Process (3) Why Invest in Property? (3) Working Capital (3) After the Build (2) Bridge Loans (2) Comparison (2) Discovery (2) Documents & Preparation (2) Lending Switching (2) Rental Yields & Cashflow (2) Starter (2) Success (2) Tax Rules (2) Advanced (1) Alternative Lending Solutions (1) Best Practices (1) Deep-Dive (1) Deposit Requirements (1) Emergency Property Finance (1) Employment Transition Finance (1) Equity Deposits (1) Finance Structures for Investors (1) First Home Deposits (1) Investment Deposits (1) KiwiSaver Deposits (1) Lender Comparison (1) Optimize (1) Portfolio Lending (1) Property Compliance Funding (1) Property Development (1) Property Invesments (1) Savings Strategies (1) Use Cases (1) Why Choose (1)
Sort Articles
Considering refinancing to consolidate debt in New Zealand? Learn how debt consolidation works, calculate potential savings, understand the risks, and determine if it's the right strategy for you.

Refinancing to Consolidate Debt: Is It Right for You?

Picture of Trent Bradley Trent Bradley

Debt consolidation through refinancing is one of the most common reasons New Zealand homeowners refinance their...

Read Full Article
Let's explore both lending types comprehensively so you can make informed decisions about financing your property investments.

Bank vs Non-Bank Lending: Which Is Right for NZ Property Investors?

Picture of Trent Bradley Trent Bradley

When most New Zealanders think about property finance, they automatically think of the major banks – ANZ, ASB, BNZ,...

Read Full Article
Let's examine each property type comprehensively to help you determine which suits your investment strategy best.

Should You Invest in Apartments, Townhouses, or Family Homes in NZ?

Picture of Trent Bradley Trent Bradley

Property type represents one of the most consequential decisions property investors face. Should you invest in...

Read Full Article
This comprehensive guide provides a structured framework for conducting development feasibility analysis that supports informed decision-making and successful project outcomes.

Development Feasibility in New Zealand: A Comprehensive Analysis Framework

Picture of Trent Bradley Trent Bradley

Development feasibility analysis forms the cornerstone of successful property development, determining whether projects...

Read Full Article
Learn how to refinance and access home equity for renovations or property investments in New Zealand. Discover smart strategies, potential returns, and how to maximize your property wealth.

Refinancing to Access Equity for Renovations and Investments

Picture of Trent Bradley Trent Bradley

Refinancing to access equity is one of the most powerful wealth-building strategies available to New Zealand...

Read Full Article
Discover how property valuations impact refinancing in New Zealand. Learn what valuers look for, how to prepare, and what to do if your valuation comes in lower than expected.

How Property Valuations Affect Your Refinancing Application

Picture of Trent Bradley Trent Bradley

Property valuation is one of the most critical steps in the refinancing process, yet many homeowners underestimate its...

Read Full Article
Let's explore what LVR restrictions are, how they affect property investors, and most importantly, how to build successful investment portfolios despite these constraints.

Understanding LVR Restrictions and What They Mean for Investors

Picture of Trent Bradley Trent Bradley

Loan-to-Value Ratio (LVR) restrictions represent one of the most significant regulatory constraints affecting property...

Read Full Article
This detailed guide provides comprehensive analysis of all subdivision consent costs, from initial application through final approval, with regional variations and optimization strategies.

Subdivision Consent Costs in New Zealand: A Comprehensive Cost Analysis

Picture of Trent Bradley Trent Bradley

Understanding subdivision consent costs is crucial for accurate project budgeting, feasibility analysis, and...

Read Full Article
This comprehensive guide explores the fundamentals of land subdivision in New Zealand, from basic concepts through practical implementation.

Subdivision of Land in New Zealand: Understanding the Basics

Picture of Trent Bradley Trent Bradley

Land subdivision represents one of the most fundamental property development activities in New Zealand, enabling the...

Read Full Article
Luminate Financial Group
Important Information
Useful Links

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.

© 2025 Luminate. All rights reserved.