Apply Now

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.

luminate-financial-group-insights-blog

Topic: property-investments(9) Back to Blog

Search Articles
Filter by Topic
All Topics ▾
All Topics Property Investments (46) Property Development & Subdivisions (40) Refinancing (34) First Home Buyers (24) Luminate Services (12) Construction Financing (10) Insights (9) Deposits Explained (7) Non-Bank (7) Budget & Affordability (5) Explore (5) Getting Started (5) How It Works (5) Deposit & Savings (4) Eligibility & Schemes (4) Guide (4) Legal & Structure (4) Picking the Right Site (4) Planning and Zoning Rules (4) The Buyers Journey (4) The Development Process (4) What is Property Development? (4) After the Build (3) Costs & Fees (3) Councils and Consultants (3) Credit & Eligibility (3) Debt Consolidation (3) Equity & Property Value (3) Feasibility and Financial Modelling (3) Finance Structures for Investors (3) Foundations (3) Funding Your Development (3) Growing Your Portfolio (3) Interest Rates & Savings (3) Intro (3) Investment Goals (3) Investment Properties (3) Investment Strategy (3) Lending Switching (3) Life Changes & Refinancing (3) Market Conditions & Timing (3) Mindset & Education (3) Mortgage Basics (3) Picking The Right Location (3) Property Management (3) Property ROI (3) Property Types (3) Refinancing Basics (3) Rental Yields & Cashflow (3) Risks (3) Rules & Restrictions (3) Stakeholders & Key Players (3) Subdividing Land (3) Subdivision Basics (3) The Consents Process (3) The Refinance Process (3) Why Invest in Property? (3) Why Luminate Financial Group (3) Working Capital (3) Bridge Loans (2) Comparison (2) Discovery (2) Documents & Preparation (2) Opinion (2) Starter (2) Success (2) Tax Rules (2) Advanced (1) Alternative Lending Solutions (1) Best Practices (1) Deep-Dive (1) Deposit Requirements (1) Emergency Property Finance (1) Employment Transition Finance (1) Equity Deposits (1) First Home Deposits (1) Investment Deposits (1) KiwiSaver Deposits (1) Lender Comparison (1) Optimize (1) Portfolio Lending (1) Property Compliance Funding (1) Property Development (1) Property Invesments (1) Savings Strategies (1) Use Cases (1) Why Choose (1)
Sort Articles
This comprehensive guide explores the most common mistakes that stop investors from growing their portfolios, explains why these errors are so problematic, and provides practical solutions for avoiding or correcting them.

Common Mistakes That Stop Investors from Growing Their Portfolio

Picture of Trent Bradley Trent Bradley

Every successful property investor has made mistakes along the way—it's an inevitable part of the learning process....

Read Full Article
This comprehensive guide will explain exactly how the equity snowball works, how to calculate and access your available equity, the strategies for deploying it effectively, and the critical safeguards to ensure this powerful tool accelerates rather than jeopardizes your wealth-building journey.

The Snowball Effect: Using Equity to Build Your NZ Property Portfolio

Picture of Trent Bradley Trent Bradley

One of the most powerful wealth-building principles in property investment is often misunderstood by new investors: you...

Read Full Article
This comprehensive guide will walk you through the proven strategies for growing from one investment property to five in the New Zealand market, covering financing approaches, timing decisions, property selection criteria, and the practical systems you'll need to manage a growing portfolio successfully.

How to Grow from 1 to 5 Properties in New Zealand

Picture of Trent Bradley Trent Bradley

Purchasing your first investment property is a significant milestone, but for many investors, it's just the beginning....

Read Full Article
Understanding the true cost of poor property management is essential for every property investor in New Zealand.

The True Cost of Poor Property Management for Investors

Picture of Trent Bradley Trent Bradley

When calculating the returns on a rental property investment, most investors focus on the obvious numbers: purchase...

Read Full Article
Whether you're a first-time landlord or an experienced property investor, understanding how to identify responsible tenants and create an environment that encourages them to stay can significantly impact your investment returns.

How to Find and Keep Great Tenants in New Zealand

Picture of Trent Bradley Trent Bradley

Finding reliable tenants is one of the most critical factors in successful property investment. A great tenant pays...

Read Full Article
One of the first decisions property investors face is whether to self-manage rental properties or engage professional property managers.

Should You Self-Manage or Hire a Property Manager in NZ?

Picture of Trent Bradley Trent Bradley

One of the first decisions property investors face is whether to self-manage rental properties or engage professional...

Read Full Article
Split banking means deliberately spreading your property loans across two or more banks rather than holding all mortgages with one institution. For example, an investor with four properties might maintain two properties with Bank A and two with Bank B, or distribute them across three banks.

Split Banking Explained: Why Smart NZ Investors Use It

Picture of Trent Bradley Trent Bradley

Split banking – maintaining property loan facilities across multiple banks rather than concentrating everything with a...

Read Full Article
This guide explores how to structure property loans strategically to maximize portfolio growth, maintain flexibility, and optimize your position for long-term success.

How to Structure Your Property Loans for Maximum Growth

Picture of Trent Bradley Trent Bradley

Loan structuring represents one of the most overlooked yet impactful decisions property investors make. How you...

Read Full Article
Let's explore the key tenancy law requirements and recent changes every New Zealand landlord must understand in 2025.

Tenancy Law Changes Every NZ Landlord Needs to Know in 2025

Picture of Trent Bradley Trent Bradley

New Zealand's tenancy law landscape has undergone substantial changes in recent years, fundamentally altering the...

Read Full Article
Luminate Financial Group
Important Information
Useful Links

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.

© 2025 Luminate. All rights reserved.