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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

Picture of Trent Bradley Trent Bradley

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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Are you ready to buy your first home in New Zealand? Complete readiness assessment covering finances, lifestyle, emotional preparation, and timing. Expert guidance from Luminate Financial advisers.

Am I Ready to Buy? NZ First-Home Buyer Assessment 2025

Picture of Trent Bradley Trent Bradley

Buying your first home is exciting, but are you ready? Not just financially, but emotionally, practically, and...

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Beyond the deposit: discover 10+ hidden costs first-home buyers miss in NZ. From legal fees to LIM reports, learn what to budget for when buying your first home in 2025.

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

Picture of Trent Bradley Trent Bradley

Buying your first home is one of the biggest financial milestones you'll ever reach – exciting, nerve-wracking, and...

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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 NZ 2025

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Quick Answer: New Zealand banks typically approve loans of 5-6 times your gross annual income, adjusted for debts and...

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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? First Home Buyer Budget Guide NZ 2025

Picture of Trent Bradley Trent Bradley

Quick Answer: New Zealand banks typically lend 5-6 times your annual household income, assuming modest expenses and...

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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.

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