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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 why non-bank lenders are gaining traction in New Zealand, offering flexibility and faster decisions for borrowers amid tighter banking regulations.

The Rise of Non-Bank Lenders in New Zealand: Why More Borrowers Are Choosing Flexibility

Luminate

Over the past 18–24 months a noticeable shift has emerged in New Zealand’s lending landscape: an expanding role for...

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Results Over Excuses

Results Over Excuses

Luminate

As Director of Luminate Financial Group, he’s helped clients secure 1.5 billion in lending by doing what others won’t:...

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A great mortgage broker gives you choice, clarity, and strategy. Here is why working with one can save you time, money, and stress — now and long term.

Five Reasons to Use a Mortgage Broker

Luminate

Whether you are a first-home buyer or a property investor, navigating the lending market can be overwhelming. With...

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Discover whether renting or buying your first home is the right choice for you with insights from Luminate Financial Group.

Renting vs Buying: What’s Right for First Home Buyers?

Luminate

For many Kiwis, the dream of homeownership starts with a simple question: should I keep renting, or is it time to buy...

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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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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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