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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

Picture of Trent Bradley Trent Bradley

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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For more than two decades, Trent Bradley and his team have been behind the scenes of some of New Zealand’s most complex property deals, structuring loans, solving funding challenges, and building long-term financial plans that actually work.

Results Over Excuses

Picture of Trent Bradley Trent Bradley

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

Picture of Trent Bradley Trent Bradley

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

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Should you rent or buy in New Zealand? Complete comparison guide for first-home buyers covering costs, benefits, and when each option makes sense. Expert insights from Luminate Financial advisers.

Renting vs Buying in NZ: Guide for First-Home Buyers 2025

Picture of Trent Bradley Trent Bradley

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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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?

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

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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.

All lending is subject to credit assessment and responsible lending obligations under the Credit Contracts and Consumer Finance Act 2003. We follow the Responsible Lending Code to ensure loans are suitable and affordable for our clients.

¹Past performance is not a reliable indicator of future results. Fixed rates are subject to change. Terms, conditions, lending criteria, fees, and charges apply. Images may be indicative only.

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