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Smart upgrades like fresh paint, better lighting, and modern appliances can lift your home’s value without a full renovation. Here’s what works best.

How to Increase Your Home Value: Smart and Simple Ways That Work

Picture of Trent Bradley Trent Bradley

If you are looking to boost your property’s value before selling, or simply want to make smarter upgrades that build...

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Refinancing can lower your repayments, but it’s not always the right move. Here’s how to know if it makes sense for your goals, timing, and finances.

Thinking About Refinancing Your Mortgage? Here’s How to Know If It’s the Right Move

Picture of Trent Bradley Trent Bradley

You have probably heard the message before: Mortgage rates are low. You might be paying too much. Refinance now and...

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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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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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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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