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Mortgages
Business
Investments
- Term investments
About us
- Insights blog
- Contact us

Insights by Luminate

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

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KiwiSaver changes.

First Home BuyersMortgage BasicsDeposit & SavingsFirst Home DepositsKiwiSaver DepositsOpinion

KiwiSaver First Home Withdrawal for Service Tenancy Workers

Start the new year with a clear financial strategy. From budgeting to debt to investment, here are six practical steps to help you move forward with purpose.

FoundationsBudget & AffordabilityDeposit & Savings

Setting Your Financial Goals for the New Year

Learn how to withdraw your KiwiSaver for your first home in New Zealand. Complete guide covering eligibility, amounts, application process, and expert tips from Luminate Financial.

First Home BuyersStarterDeposit & Savings

KiwiSaver First Home Withdrawal: Guide for NZ Buyers 2025

First Home BuyersExploreDeposit & Savings

How Much Deposit Do You Need to Buy a Home in NZ?

Discover how New Zealand's First Home Loan can help you buy your first home with just a 5% deposit. Check eligibility, application tips, and avoid commo...

First Home BuyersDiscoveryDeposit & Savings

First Home Loan: Are You Eligible? Complete 2025 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.}

_{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.}

_{Past 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.}

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