Apply Now

Smarter Property & Finance Decisions Start Here

From expert mortgage tips to must-know market updates, Luminate is here to help you move forward with clarity.

luminate-financial-group-insights-blog

Topic: interest-rates-savings(3) Back to Blog

Search Articles
Filter by Topic
All Topics ▾
All Topics Property Investments (44) Property Development & Subdivisions (40) Refinancing (34) First Home Buyers (22) Luminate Services (12) Construction Financing (10) Deposits Explained (7) Insights (7) Non-Bank (7) Budget & Affordability (5) Explore (5) Getting Started (5) How It Works (5) Deposit & Savings (4) Eligibility & Schemes (4) Guide (4) Legal & Structure (4) Picking the Right Site (4) Planning and Zoning Rules (4) The Buyers Journey (4) The Development Process (4) What is Property Development? (4) After the Build (3) Costs & Fees (3) Councils and Consultants (3) Credit & Eligibility (3) Debt Consolidation (3) Equity & Property Value (3) Feasibility and Financial Modelling (3) Finance Structures for Investors (3) Foundations (3) Funding Your Development (3) Growing Your Portfolio (3) Interest Rates & Savings (3) Intro (3) Investment Goals (3) Investment Properties (3) Investment Strategy (3) Lending Switching (3) Life Changes & Refinancing (3) Market Conditions & Timing (3) Mindset & Education (3) Mortgage Basics (3) Picking The Right Location (3) Property Management (3) Property ROI (3) Property Types (3) Refinancing Basics (3) Rental Yields & Cashflow (3) Risks (3) Rules & Restrictions (3) Stakeholders & Key Players (3) Subdividing Land (3) Subdivision Basics (3) The Consents Process (3) The Refinance Process (3) Why Invest in Property? (3) Why Luminate Financial Group (3) Working Capital (3) Bridge Loans (2) Comparison (2) Discovery (2) Documents & Preparation (2) Starter (2) Success (2) Tax Rules (2) Advanced (1) Alternative Lending Solutions (1) Best Practices (1) Deep-Dive (1) Deposit Requirements (1) Emergency Property Finance (1) Employment Transition Finance (1) Equity Deposits (1) First Home Deposits (1) Investment Deposits (1) KiwiSaver Deposits (1) Lender Comparison (1) Optimize (1) Portfolio Lending (1) Property Compliance Funding (1) Property Development (1) Property Invesments (1) Savings Strategies (1) Use Cases (1) Why Choose (1)
Sort Articles
Wondering about mortgage break fees when refinancing in New Zealand? Learn how break fees are calculated, when they're worth paying, and strategies to minimize or avoid them entirely.

Understanding Break Fees: Are They Worth Paying to Refinance?

Picture of Trent Bradley Trent Bradley

Break fees are often the biggest obstacle preventing New Zealand homeowners from refinancing their mortgages, even when...

Read Full Article
Choosing between fixed and floating mortgage rates when refinancing in NZ? Learn the pros and cons of each option, when to choose fixed vs floating, and how to make the best decision for your situation.

Fixed vs. Floating Rates: Which is Best When Refinancing in New Zealand?

Picture of Trent Bradley Trent Bradley

One of the most important decisions you'll make when refinancing your mortgage in New Zealand is choosing between fixed...

Read Full Article
Discover how much money you could save by refinancing your mortgage in 2025. Learn how to calculate potential savings, understand break-even points, and maximize your refinancing benefits in New Zealand.

How Much Can You Save by Refinancing Your Mortgage in 2025?

Picture of Trent Bradley Trent Bradley

One of the most common questions New Zealand homeowners ask when considering refinancing is: "How much will I actually...

Read Full Article
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.