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: why-invest-in-property(3) Back to Blog

Search Articles
Filter by Topic
All Topics ▾
All Topics Property Investments (43) Property Development & Subdivisions (40) Refinancing (34) First Home Buyers (22) Luminate Services (12) Construction Financing (10) Deposits Explained (7) Insights (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) 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) Risks (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
Walk into any workplace lunchroom or dinner party, and you'll likely hear passionate advocates on both sides. Some point to New Zealand's property millionaires as proof that bricks and mortar is the only way. Others reference international data showing shares outperforming property over the long term.

Property vs Shares: Which Is Better for Building Wealth in NZ?

Picture of Trent Bradley Trent Bradley

It's one of the most debated questions in New Zealand personal finance circles: should you invest in property or shares...

Read Full Article
uncertainties and fluctuating market conditions over recent years, more Kiwis than ever are seriously considering property investment as a wealth-building strategy.

Why More Kiwis Are Turning to Property Investment in 2025

Picture of Trent Bradley Trent Bradley

The New Zealand property investment landscape is experiencing a notable shift in 2025. Despite economic uncertainties...

Read Full Article
While every investment carries risks and requires careful consideration, property offers a unique combination of benefits that continue to attract investors across all age groups and income levels.

Top 5 Benefits of Investing in Property in New Zealand

Picture of Trent Bradley Trent Bradley

Property investment has long been a cornerstone of wealth creation for New Zealanders, and for good reason. While every...

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.