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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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Unlock the potential of your KiwiSaver to buy your first home. Learn about eligibility, the application process, and maximizing your deposit with expert guidance from Luminate.

KiwiSaver First Home Withdrawal Explained

Luminate

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

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Learn how much deposit you need to buy a home in New Zealand, including tips on low-deposit options and strategies for saving faster.

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

Luminate

Buying your first home is an exciting step, but for many New Zealanders, the biggest challenge is saving the deposit....

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First Home Loan: Are You Eligible?

First Home Loan: Are You Eligible?

Luminate

Buying your first home in New Zealand can feel like a daunting financial challenge. With rising house prices and strict...

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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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