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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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Discover if a non-bank mortgage suits your needs with our comprehensive checklist for first-home buyers and investors navigating New Zealand's evolving mortgage landscape.

Is a Non-Bank Mortgage Right for You? A Checklist for First-Home Buyers and Investors

Luminate

New Zealand’s mortgage market is changing. Tighter bank criteria, CCCFA obligations, and Reserve Bank DTI rules mean...

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Learn who qualifies as a first-home buyer in New Zealand and explore available financial benefits and eligibility criteria.

Who Qualifies as a First Home Buyer in New Zealand?

Luminate

Buying your first home is a big milestone, but understanding whether you qualify as a first-home buyer is an essential...

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Read how the Kāinga Ora First Home Loan helps New Zealanders buy their first home with just a 5% deposit. Learn eligibility criteria and application tips.

Kainga Ora First Home Loan: What You Need to Know

Luminate

For many first-home buyers in New Zealand, saving a 20 percent deposit can feel out of reach. The Kāinga Ora First Home...

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Explore how to combine KiwiSaver, the First Home Loan, and other deposit tools for a successful first-home purchase in New Zealand.

How to Use KiwiSaver, the First Home Loan & Other Deposit Tools Together

Luminate

In May 2024, the New Zealand Government scrapped the First Home Grant, a decision that means many first-home buyers...

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