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

Topic: non-bank(7) Back to Blog
Search Articles
Filter by Topic
Sort Articles
When most New Zealanders think about property finance, they automatically think of the major banks – ANZ, ASB, BNZ,...
For many borrowers, the assumption is that banks are the only path to finance. But traditional banks operate with...
For many New Zealanders, getting onto the property ladder or refinancing a home loan can feel out of reach when banks...
Over the past 18–24 months a noticeable shift has emerged in New Zealand’s lending landscape: an expanding role for...
Interest rates matter—but they aren’t the only factor that determines whether a loan is right for you. Approval...
Your fixed-rate mortgage expires in three months. You've banked with the same lender for eight years, never missed a...