Smarter insight to a better financial future

We back Kiwis with fast, personalised finance, giving you clarity, confidence, and a clear path forward when it matters most.
Luminate Finance Mortgage Brokers Finance Company Investments NZ

How can we help?

Home loans

From first homes to forever homes — we’ll help you get the finance sorted, with guidance that makes the process clear, simple, and stress-free.

Business & property lending

Need funding for commercial property, a development project, or growing your business? We structure smart finance to get things moving.

Specialist non-bank lending

Low deposit, self-employed, or turned down by the bank? We work with lenders who look at the full picture — and find solutions others miss.

Investment

Put your capital to work through secured lending opportunities. Target strong fixed returns, backed by real assets — for certain categories of wholesale investors only.

With over $1.5 billion in lending, and more than 20 years empowering homeowners, developers, and investors to achieve their goals

Testimonials

Mortgage Broking & Finance Clients

From our very first interaction, it was clear that Trent was genuinely invested in our success at Gratpak. As a result of his support, we were able to secure the funding necessary to invest in new technologies and streamline our production processes. I wholeheartedly recommend Trent Bradley to any business seeking a knowledgeable and dedicated financial partner. His expertise and support have been invaluable to us, and I am confident he can help others achieve their financial goals as well!

Sandeep Puri
GratPak Ltd

We knew about Luminate last November from our friend. We contacted them with the feeling “give it a try, but no hope” because we tried so many times before. And now…we are sitting on our couch in our living room in our house waiting for Christmas…The biggest Christmas gift ever in our life.. Just like a dream come true guys!

Luminate Financial Group has the best service which is out of your expectation. They are reliable, fast and super easy.

Marita Huynh

I've had the pleasure of working with Trent Bradley from Luminate, and I can confidently attest that he's a game-changer. With decades of experience under his belt, he navigates even the most challenging times with ease, providing unparalleled guidance and support.

If you're looking for a finance expert who will make your financial goals a reality, look no further than Trent Bradley. Highly recommended!

Garry Singh
Ray White NZ

Investors

Something that is troubling when you have funds to invest is trusting a Company to ‘keep it simple’ and deliver a fair ROI …..and who do the job of increasing the capital value, report monthly in a format I can read and understand and be there if I have questions. Luminate has delivered for me over the past 5 years on an investment of a couple of million. It’s a joy, its simple and effortless on my part, which speaks volumes about the quality of the team.

SR

We have known Trent Bradley for 28 years through a mixture of seeking his advice on borrowing, financing or lending funds for various activities we have engaged in.

With Luminate managing our money we have over the past 28 years had complete peace of mind. We are very pleased to share our experiences with Trent as he is a bedrock to our financial progress.

Michael and Gwyn Gray