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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

Picture of Trent Bradley Trent Bradley

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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Complete guide to the home buying process in New Zealand for first-time buyers. Learn every step from pre-approval to settlement, with timelines, costs, and expert tips from Luminate Financial.

Home Buying Process in NZ: Step-by-Step Guide for First-Timers

Picture of Trent Bradley Trent Bradley

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 work effectively with real estate agents as a first-home buyer in New Zealand. Understand their role, protect your interests, and navigate negotiations confidently with expert tips from Luminate.

Working with Real Estate Agents: Guide for NZ First-Home Buyers

Picture of Trent Bradley Trent Bradley

If you're buying your first home in New Zealand, you're going to encounter real estate agents early in the process....

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Many first-home buyers find it helpful to bring a trusted friend or family member. A second person often spots things you may miss, especially when you're emotionally invested in a property.

Open Homes Checklist for First-Time NZ Property Buyers

Picture of Trent Bradley Trent Bradley

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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