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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.

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What Documents Do You Need for a Home Loan?

What Documents Do You Need for a Home Loan?

Luminate

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

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Step-by-step guide for first-time home buyers in New Zealand, from preparation to settlement, ensuring a stress-free and confident home buying experience.

The Home Buying Process Step-by-Step (For First Timers)

Luminate

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 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...

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Bank or mortgage adviser? Discover the best option for first-home buyers in New Zealand with expert insights and detailed comparisons from Luminate.

Should You Go With a Bank or a Mortgage Adviser?

Luminate

If you’re buying your first home, one of the earliest decisions you’ll face is who to turn to for your home loan....

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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? A First Time Buyer’s Budget Guide

Luminate

Buying your first home is a huge milestone. But before you start browsing listings or heading to open homes, the most...

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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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