When you imagine buying your first home, it can feel like a simple equation. There is you, possibly...

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.
When you imagine buying your first home, it can feel like a simple equation. There is you, possibly...
Buying your first home is exciting, but are you ready? Here are the key financial, emotional, and...
Buying your first home is a major life milestone but deciding when to make the move can feel...
For many Kiwis, the dream of homeownership starts with a simple question: should I keep renting, or...
Buying your first home in New Zealand should be one of life’s great milestones. A moment filled...
Applying for a home loan can feel like a big task, especially if you’ve never done it before....
You’ve been thinking about buying your first home. You’ve probably browsed a few listings, checked...
Buying your first home is exciting, but it can also feel overwhelming. There are forms, contracts,...
If you're buying your first home, you're going to encounter real estate agents early in the...
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.