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Mortgages
Business
Investments
- Wholesale 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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Home auction in New Zealand

First Home BuyersGuideMortgage BasicsRisksFirst Home DepositsOpinion

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

KiwiSaver changes.

First Home BuyersMortgage BasicsDeposit & SavingsFirst Home DepositsKiwiSaver DepositsOpinion

KiwiSaver First Home Withdrawal for Service Tenancy Workers

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.}

_{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.}