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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

Picture of Trent Bradley Trent Bradley

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

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Who qualifies as a first-home buyer in NZ? Learn the official definition, eligibility criteria, second-chance buyer rules, and how it affects KiwiSaver and First Home Loan access.

Who Qualifies as a First-Home Buyer in NZ – 2025 Guide

Picture of Trent Bradley Trent Bradley

Buying your first home is an exciting milestone, but before you dive into property listings and open homes, you need to...

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Complete guide to Kāinga Ora First Home Loan in NZ. Learn eligibility requirements, income caps, price limits, and how to buy with just 5% deposit in 2025.

Kāinga Ora First Home Loan: Complete Guide for NZ Buyers in 2025

Picture of Trent Bradley Trent Bradley

For many aspiring homeowners in New Zealand, saving a 20% deposit feels like an insurmountable challenge. Property...

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Learn how to combine KiwiSaver withdrawal, First Home Loan, and cashback incentives to buy your first home in NZ with as little as 5% deposit in 2025.

Using KiwiSaver, First Home Loan & Deposit Tools Together in NZ

Picture of Trent Bradley Trent Bradley

Saving a house deposit can feel overwhelming, especially in New Zealand's challenging property market. The good news?...

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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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