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Granny flats in NZ

Could Granny Flats Be a Smart Move for Kiwi Homeowners?

Picture of Trent Bradley Trent Bradley

I’ve been having more and more conversations lately that start the same way.“We’re not investors… but we’re thinking...

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Queenstown lakes

Queenstown-Lakes’s $3M surge: Why high-end Investors are ditching the cities

Picture of Trent Bradley Trent Bradley

There’s a quiet wealth migration happening in New Zealand. It’s not loud, it’s not flashy - but it’s real. More and...

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Back to school 2026 and buying a home in the right school zone

Back to school 2026 and buying a home in the right school zone

Picture of Trent Bradley Trent Bradley

A quiet driver of home loan decisions in New Zealand

Every year around back to school, I notice the same shift in...

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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

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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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Comparing fixed, floating, revolving credit & more. Expert advice on choosing the right mortgage for your first home in New Zealand. Free consultation a...

Best Mortgage Types for First Home Buyers NZ 2025 | Complete Guide

Picture of Trent Bradley Trent Bradley

Quick Answer: Most first-home buyers in New Zealand choose a combination of fixed-rate (70-80%) and floating-rate...

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Get mortgage pre-approval in NZ in 3-5 days. Complete guide covering required documents, step-by-step process, common mistakes, and how to maximize your approval amount as a first-home buyer.

How to Get Pre-Approved for a Mortgage NZ 2025 | First Home Buyers

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Quick Answer: Mortgage pre-approval in New Zealand takes 3-5 working days and requires proof of income (payslips or...

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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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