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Investments
- Wholesale investments
About us
- Insights blog
- Contact us

Insights by Luminate

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How to use equity as a house deposit in NZ

Deposits ExplainedEquity Deposits

Using equity as a house deposit in NZ: Complete guide to when and how

Find out exactly how much deposit you need for an investment property in NZ. Learn about LVR rules, using equity, and strategic approaches to building a property portfolio.

Deposits ExplainedInvestment Deposits

Investment Property Deposits in NZ: How Much Do You Actually Need in 2025?

Compare deposit requirements between banks and non-bank lenders in NZ. Understand the differences, pros and cons, and which option suits your situation.

Deposits ExplainedLender Comparison

Home Loan Deposit Rules: Bank vs Non-Bank Lenders in NZ

Learn exactly how to withdraw KiwiSaver for your first home deposit in NZ. Step-by-step guide covering eligibility, applications, and maximizing your withdrawal.

Deposits ExplainedKiwiSaver Deposits

How to Use KiwiSaver for Your House Deposit in NZ | Complete 2025 Guide

Discover 7 practical strategies to save for a house deposit in NZ faster. From KiwiSaver optimization to cutting costs, get actionable tips that actually work.

Deposits ExplainedSavings Strategies

How to Save for a House Deposit in NZ: 7 Proven Strategies | Deposits Explained

Compare minimum deposit requirements for first-home buyers and property investors in NZ. Understand LVR rules, lending restrictions, and how much you really need.

Deposits ExplainedDeposit Requirements

Minimum Deposit Requirements: First-Home Buyers vs Property Investors in NZ

Find out if you really need a 20% deposit to buy a house in NZ. Learn about lower deposit options, LVR rules, and how first-home buyers can get into the market sooner.

Deposits ExplainedFirst Home Deposits

Do You Really Need 20% to Buy a House in NZ?

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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.}

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_{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.}

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