Apply Now

Smarter Property & Finance Decisions Start Here

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.

ezgif-367908e9282d09

Topic: getting-started(5) Back to Blog

Search Articles
Filter by Topic
All Topics ▾
All Topics First Home Buyers (22) Insights (7) Budget & Affordability (5) Explore (5) Getting Started (5) How It Works (5) Non-Bank (5) Construction Financing (4) Deposit & Savings (4) Eligibility & Schemes (4) Guide (4) The Buyers Journey (4) Foundations (3) Intro (3) Mindset & Education (3) Mortgage Basics (3) Comparison (2) Discovery (2) Documents & Preparation (2) Property Development & Subdivisions (2) Starter (2) Success (2) What is Property Development? (2) Advanced (1) Best Practices (1) Deep-Dive (1) Optimize (1) Use Cases (1) Why Choose (1)
Sort Articles
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...

Read More
Wondering if you're ready to buy your first home? Discover key financial, emotional, and practical considerations to help you make a confident decision.

Am I Ready to Buy My First Home?

Luminate

Buying your first home is exciting, but are you ready? Here are the key financial, emotional, and practical questions...

Read More
Learn how to navigate the home-buying process with real estate agents, protect your interests, and make informed decisions as a first-time buyer.

How to Work with Real Estate Agents as a First Home Buyer

Luminate

If you're buying your first home, you're going to encounter real estate agents early in the process. They’ll show you...

Read More
Explore how to combine KiwiSaver, the First Home Loan, and other deposit tools for a successful first-home purchase in New Zealand.

How to Use KiwiSaver, the First Home Loan & Other Deposit Tools Together

Luminate

In May 2024, the New Zealand Government scrapped the First Home Grant, a decision that means many first-home buyers...

Read More
Learn how to get pre-approved as a first home buyer in New Zealand with this step-by-step guide from Luminate Financial Group.

How to Get Pre-Approved as a First Home Buyer

Luminate

Getting pre-approved is one of the most important steps in buying your first home. It gives you clarity around your...

Read More
Luminate Financial Group
Important Information
Useful Links

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.

© 2025 Luminate. All rights reserved.