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Discover if a non-bank mortgage suits your needs with our comprehensive checklist for first-home buyers and investors navigating New Zealand's evolving mortgage landscape.

Is a Non-Bank Mortgage Right for You? A Checklist for First-Home Buyers and Investors

Picture of Trent Bradley Trent Bradley

New Zealand’s mortgage market is changing. Tighter bank criteria, CCCFA obligations, and Reserve Bank DTI rules mean...

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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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Are you ready to buy your first home in New Zealand? Complete readiness assessment covering finances, lifestyle, emotional preparation, and timing. Expert guidance from Luminate Financial advisers.

Am I Ready to Buy? NZ First-Home Buyer Assessment 2025

Picture of Trent Bradley Trent Bradley

Buying your first home is exciting, but are you ready? Not just financially, but emotionally, practically, 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.

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.

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