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Complete checklist of documents needed for a home loan in New Zealand. Learn what lenders require for identity, income, debts, and deposit verification. Save time with our detailed guide from Luminate Financial.

Home Loan Documents Checklist for NZ Buyers – 2025 Guide

Picture of Trent Bradley Trent Bradley

Applying for a home loan can feel like a big task, especially if you've never done it before. You've saved your deposit...

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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

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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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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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See how much you can afford to spend on your first home with Luminate's comprehensive budget guide for New Zealand first-time buyers.

How Much Can You Afford? First Home Buyer Budget Guide NZ 2025

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Quick Answer: New Zealand banks typically lend 5-6 times your annual household income, assuming modest expenses and...

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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.

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