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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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Discover the benefits of using a mortgage broker when refinancing in New Zealand. Learn how brokers save you time and money, and whether using one is right for your situation.

RefinancingLending Switching

The Benefits of Using a Mortgage Broker When Refinancing

Learn how to properly compare refinancing offers from different New Zealand banks. Understand rates, fees, features, and total costs to make the best refinancing decision.

RefinancingLending Switching

How to Compare Refinancing Offers from Different NZ Banks

Deciding whether to refinance with your current bank or switch lenders in New Zealand? Compare the pros and cons, understand loyalty vs. better rates, and make the best choice.

RefinancingLending Switching

Should You Refinance with Your Current Bank or Switch Lenders?

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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.}

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