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Want to improve your credit score before refinancing in New Zealand? Follow this practical 90-day plan to boost your creditworthiness and secure better mortgage rates.

Improving Your Credit Score Before Refinancing: A 90-Day Plan

Picture of Trent Bradley Trent Bradley

Your credit score significantly influences refinancing outcomes—affecting whether lenders approve your application,...

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Self-employed in New Zealand and need to refinance? Learn what documentation lenders require, how to prove income, and strategies for successful mortgage refinancing as a business owner.

How Self-Employed Kiwis Can Successfully Refinance Their Mortgage

Picture of Trent Bradley Trent Bradley

Self-employment offers flexibility, independence, and potentially unlimited earning potential, but it creates unique...

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Wondering if you can refinance with bad credit in New Zealand? Learn about your options, how to improve your credit score, and strategies for successful refinancing despite credit challenges.

Can You Refinance with Bad Credit in New Zealand?

Picture of Trent Bradley Trent Bradley

Credit challenges affect many New Zealanders at some point in their lives—unexpected financial hardships, medical...

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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.

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.

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