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Not mortgage ready yet? Learn exactly what to do to fix your deposit, debts, credit score, and income. Complete action plan with timelines from Luminate Financial advisers in New Zealand.

Not Mortgage Ready? Action Plan for NZ First-Home Buyers

Picture of Trent Bradley Trent Bradley

You've been thinking about buying your first home. You've probably browsed a few listings, checked a mortgage...

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Complete guide to the home buying process in New Zealand for first-time buyers. Learn every step from pre-approval to settlement, with timelines, costs, and expert tips from Luminate Financial.

Home Buying Process in NZ: Step-by-Step Guide for First-Timers

Picture of Trent Bradley Trent Bradley

Buying your first home is exciting, but it can also feel overwhelming. There are forms, contracts, deadlines, and...

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Learn how to work effectively with real estate agents as a first-home buyer in New Zealand. Understand their role, protect your interests, and navigate negotiations confidently with expert tips from Luminate.

Working with Real Estate Agents: Guide for NZ First-Home Buyers

Picture of Trent Bradley Trent Bradley

If you're buying your first home in New Zealand, you're going to encounter real estate agents early in the process....

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Many first-home buyers find it helpful to bring a trusted friend or family member. A second person often spots things you may miss, especially when you're emotionally invested in a property.

Open Homes Checklist for First-Time NZ Property Buyers

Picture of Trent Bradley Trent Bradley

Walking through your first open home is an exciting step in your journey to buying a property. You're finally off the...

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Learn how to withdraw your KiwiSaver for your first home in New Zealand. Complete guide covering eligibility, amounts, application process, and expert tips from Luminate Financial.

KiwiSaver First Home Withdrawal: Guide for NZ Buyers 2025

Picture of Trent Bradley Trent Bradley

For many first-home buyers in New Zealand, KiwiSaver is the key that unlocks the door to homeownership. Since the...

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Bank or mortgage adviser for your first home loan in NZ? Compare options, costs, benefits, and learn why 70%+ of first-home buyers choose advisers in 2025.

Bank or Mortgage Adviser? Complete Guide for NZ First-Home Buyers

Picture of Trent Bradley Trent Bradley

If you're buying your first home in New Zealand, one of the earliest and most important decisions you'll face is: Who...

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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.

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