At Luminate, we provide short-term bridging loans in New Zealand to help you secure property while you wait for a sale, refinance, or settlement to complete.
-min.jpeg?width=3934&height=3230&name=AdobeStock_576293650-min%20(2)-min.jpeg)
Home loans for self-employed
If you’re self-employed or a contractor, getting a home loan doesn’t have to be hard. We provide expert mortgage advice and access to lenders who understand business income and flexible structures.
First home buyers
First home buyer mortgages made simple. We guide Kiwis through KiwiSaver, first home grants, and lender options, cutting through the noise so you can secure the right home loan and buy with confidence.
Renovation + building loans
Funding your build or renovation, without the stress. We help Kiwis structure construction and renovation loans that match build stages, budgets, and real-world timelines.
Second mortgages
Need access to equity without refinancing? A second mortgage can fund renovations, business investments, or debt consolidation with the right structure and advice.
