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Mortgages
Business
About us
- Insights blog
- Contact us
Disclosures

Insights by Luminate

From expert mortgage, business and property investment insights to must-know market updates, Luminate is here to help you move forward with clarity.

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Couple renovating a house - capital gains tax

GuideProperty InvestmentsRisksCosts & FeesCapital Gains Tax

What Is Capital Gains Tax? A Simple New Zealand Guide

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Capital Gains Tax NZ 2026: What the election could mean for property

Small business owner looking for a home loan, red tone overlay

First Home BuyersMortgage BasicsBudget & AffordabilityOpinionself-employed

Can you get a home loan with irregular business income in NZ?

First Home BuyersMortgage BasicsBudget & AffordabilityOpinionself-employed

How to Choose a NZ Home Loan Adviser in 2026

Complex home loan applications.

First Home BuyersMortgage BasicsBudget & AffordabilityOpinionself-employed

Complex home loans in NZ: From pre-approval to settlement

Business lending, what documents you need to apply.

Budget & AffordabilityOpinionBusiness OwnersBusiness Lending

Business loan documents NZ: What you need before you apply

Business lending what you need to know.

Budget & AffordabilityOpinionBusiness OwnersBusiness Lending

Business loans in NZ: Top tips before you apply

Mortgage BasicsBudget & AffordabilityRisksInvestment PropertiesOpinion

Is the Kiwi townhouse dream over, or was there ever really one to begin with?

Home affordablity New Zealand.

GuideMortgage BasicsBudget & AffordabilityRisksInvestment PropertiesOpinion

Home loan affordability modelling NZ 2026 | New Zealand mortgage broker guide

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_{Important information
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.

Consumer credit contracts}

_{Consumer credit contracts are issued by Luminate Finance Limited (FSP449126), which holds an FMA market services licence to act as a creditor under consumer credit contracts. This licence applies only to consumer lending, not lending wholly or predominantly for business or investment purposes. Consumer lending is subject to the CCCFA, responsible lending obligations, assessment, approval and terms. View our disclosures}_{Insights Blog}

_{All blog content is general information only, and not financial advice. Make sure you do your own research and get advice that fits your situation before making any decisions.}

^{Privacy Policy · Legal · © 2026 Luminate Financial Group. All rights reserved.}