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About us
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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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Discover if a non-bank mortgage suits your needs with our comprehensive checklist for first-home buyers and investors navigating New Zealand's evolving mortgage landscape.

ComparisonIntroEligibility & SchemesNon-Bank

Is a Non-Bank Mortgage Right for You? A Checklist for First-Home Buyers and Investors

Who qualifies as a first-home buyer in NZ? Learn the official definition, eligibility criteria, second-chance buyer rules, and how it affects KiwiSaver and First Home Loan access.

First Home BuyersInsightsEligibility & Schemes

Who Qualifies as a First-Home Buyer in NZ – 2025 Guide

Complete guide to Kāinga Ora First Home Loan in NZ. Learn eligibility requirements, income caps, price limits, and how to buy with just 5% deposit in 2025.

First Home BuyersFoundationsEligibility & Schemes

Kāinga Ora First Home Loan: Complete Guide for NZ Buyers

Learn how to combine KiwiSaver withdrawal, First Home Loan, and cashback incentives to buy your first home in NZ with as little as 5% deposit in 2025.

First Home BuyersGetting StartedEligibility & Schemes

Using KiwiSaver, First Home Loan & Deposit Tools Together 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.}

_{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.}