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Topic: non-bank(5) Back to Blog

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Discover how non-bank lenders offer flexible solutions for borrowers facing unique financial situations, from self-employed individuals to property investors.

When the Bank Says No: 5 Real-Life Scenarios Where Non-Bank Lending Works

Luminate

For many borrowers, the assumption is that banks are the only path to finance. But traditional banks operate with...

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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

Luminate

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

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Non-bank lending can help New Zealanders secure property and later refinance to a bank mortgage, turning current declines into future approvals.

How Non-Bank Lending Can Be a Stepping Stone to a Bank Mortgage

Luminate

For many New Zealanders, getting onto the property ladder or refinancing a home loan can feel out of reach when banks...

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Discover why non-bank lenders are gaining traction in New Zealand, offering flexibility and faster decisions for borrowers amid tighter banking regulations.

The Rise of Non-Bank Lenders in New Zealand: Why More Borrowers Are Choosing Flexibility

Luminate

Over the past 18–24 months a noticeable shift has emerged in New Zealand’s lending landscape: an expanding role for...

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Discover the key differences between bank and non-bank mortgages, focusing on approval speed, documentation, income assessment, and policy flexibility to find the right loan for you.

Non-Bank vs Bank Mortgages: What’s the Real Difference Beyond Rates?

Luminate

Interest rates matter—but they aren’t the only factor that determines whether a loan is right for you. Approval...

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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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