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Home loan settlement dates to avoid in 2026

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Settlement day should be simple. Keys in hand, stress gone, move on.

But settlement is a chain of banks, lawyers,...

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town houses

The 2026 housing market: steady, political, and quietly shifting

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After several turbulent years, the New Zealand housing market is entering 2026 on more stable footing. Prices have...

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This comprehensive guide provides practical, actionable strategies for safeguarding your property portfolio through market downturns, maintaining financial stability, and potentially emerging stronger when markets recover.

How to Protect Your Property Portfolio in a Downturn

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Property markets move in cycles—periods of growth followed by plateaus or corrections. While the timing and severity of...

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Building wealth through property investment has long been a cornerstone of financial success for New Zealanders.

Luminate Financial Group: Guiding Kiwis to Property Investment Success

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Building wealth through property investment has long been a cornerstone of financial success for New Zealanders. Yet...

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This comprehensive guide explores the role financial groups play in supporting property investors, the advantages of integrated financial services, and how to leverage financial group relationships to build wealth more effectively through property investment.

The Role of a Financial Group in Helping NZ Property Investors

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Property investment doesn't exist in isolation from your broader financial life. Your investment properties interact...

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This comprehensive guide explains exactly how property investment advisors create value, the specific ways they save both time and money, and how to identify advisors who'll genuinely enhance your investment success.

Why Working With a Property Investment Advisor Saves You Time and Money

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Property investment in New Zealand has created substantial wealth for countless investors over the decades. The pathway...

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This guide provides a detailed framework for identifying, assessing, and mitigating tenant risks throughout the entire tenancy lifecycle.

Mitigating Tenant Risks: A Guide for NZ Landlords

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For property investors, tenants are both your most valuable asset and your greatest potential liability. Quality...

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Let's explore five proven strategies for increasing rental income from New Zealand investment properties, with practical guidance on implementation and realistic expectations for returns.

5 Ways to Increase Rental Income from Your Investment Property

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Maximizing rental income represents one of the most direct ways property investors can improve investment performance....

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This comprehensive guide examines the most significant risks facing New Zealand property investors in 2025, explains why each risk matters, and provides practical strategies for managing or mitigating these challenges to protect your investment portfolio.

The Biggest Risks Facing NZ Property Investors in 2025

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Property investment has long been a cornerstone of wealth building in New Zealand, with generations of Kiwis building...

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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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