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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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NZ house auction - red tone overlay

First Home BuyersGuideMortgage BasicsRisksFirst Home DepositsOpinion

Buying your first home at auction in New Zealand: What you need to know

Business owner, florist

GuideMortgage BasicsRisksOpinionself-employedBusiness Owners

The hidden advantage of using a broker if you run your own business

GuideMortgage BasicsRisksInvestment PropertiesOpinion

Insurance checks New Zealand property investors should make before buying attached homes

Tech contractor coding on a computer

GuideMortgage BasicsOpinionself-employed

Tech Contractor Mortgages in New Zealand: What Lenders Really Look At

First Home BuyersGuideMortgage BasicsOpinionself-employed

Buying a House in Winter NZ. Smart Tips for First Home Buyers + Self Employed Buyers

Chrischurch New Zealand. Property Hot Spot

Why Invest in Property?Investment PropertiesOpinion

Top 5 property investment hotspots in New Zealand for 2026

How It WorksMortgage BasicsBudget & AffordabilityReno Loans

Reno Loans NZ: A Smarter Way to Renovate Without Moving

Self-employed kiwis buying a home

First Home BuyersPro TipsMortgage BasicsDeposit & Savingsself-employed

How contractors can get a mortgage in NZ

Beehive, Wellington.

Growing Your PortfolioInvestment PropertiesOpinion

Where politicians own property in NZ, but these suburbs are not the next hotspots

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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.}