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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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Learn how to withdraw your KiwiSaver for your first home in New Zealand. Complete guide covering eligibility, amounts, application process, and expert tips from Luminate Financial.

KiwiSaver First Home Withdrawal: Guide for NZ Buyers 2025

Picture of Trent Bradley Trent Bradley

For many first-home buyers in New Zealand, KiwiSaver is the key that unlocks the door to homeownership. Since the...

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How much deposit do you need to buy a home in NZ? Learn about 5%, 10% and 20% deposit options, First Home Loan eligibility, and strategies to save faster in 2025.

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

Picture of Trent Bradley Trent Bradley

Buying your first home in New Zealand? The deposit is often the biggest hurdle between dreaming about homeownership...

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Discover how New Zealand's First Home Loan can help you buy your first home with just a 5% deposit. Check eligibility, application tips, and avoid commo...

First Home Loan: Are You Eligible? Complete 2025 Guide

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Quick Answer: To qualify for New Zealand's First Home Loan scheme, you need to be a first-time buyer (or second-chance...

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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.

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