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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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Start the new year with a clear financial strategy. From budgeting to debt to investment, here are six practical steps to help you move forward with purpose.

Setting Your Financial Goals for the New Year

Luminate

The new year is more than just a change in the calendar. It is an opportunity to take stock, reset your priorities, and...

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Wondering if you're ready to buy your first home? Discover key financial, emotional, and practical considerations to help you make a confident decision.

Am I Ready to Buy My First Home?

Luminate

Buying your first home is exciting, but are you ready? Here are the key financial, emotional, and practical questions...

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Hidden Costs of Buying a Home (That First Timers Miss)

Hidden Costs of Buying a Home (That First Timers Miss)

Luminate

Buying your first home is a huge milestone – exciting, emotional, and just a little bit stressful. Most people spend...

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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

Luminate

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

Luminate

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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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.

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