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Welcome to Luminate Insights — where first-home buyers, growing families, and everyday Kiwis come to learn, plan, and take confident steps toward homeownership. From expert mortgage tips to must-know market updates, we’re here to help you move forward with clarity.

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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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Step-by-step guide for first-time home buyers in New Zealand, from preparation to settlement, ensuring a stress-free and confident home buying experience.

The Home Buying Process Step-by-Step (For First Timers)

Luminate

Buying your first home is exciting, but it can also feel overwhelming. There are forms, contracts, deadlines, and...

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Learn how to navigate the home-buying process with real estate agents, protect your interests, and make informed decisions as a first-time buyer.

How to Work with Real Estate Agents as a First Home Buyer

Luminate

If you're buying your first home, you're going to encounter real estate agents early in the process. They’ll show you...

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First-time home buyers, stay focused and avoid costly surprises with Luminate's practical open home checklist. Get tips on what to assess and questions to ask.

Attending Open Homes: A First Timer’s Checklist

Luminate

Walking through your first open home is an exciting step in your journey to buying a property. You’re finally off the...

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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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