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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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Granny flats in NZ

Mortgage BasicsGrowing Your PortfolioLife Changes & RefinancingOpinion

Could Granny Flats Be a Smart Move for Kiwi Homeowners?

Queenstown lakes

Mortgage BasicsGrowing Your PortfolioLife Changes & RefinancingOpinion

Queenstown-Lakes’s $3M surge: Why high-end Investors are ditching the cities

Discover refinancing options for retirees and older New Zealanders. Learn about age limits, income requirements, reverse mortgages, and strategies for successful refinancing in retirement.

RefinancingLife Changes & Refinancing

Refinancing in Retirement: Options for Older New Zealanders

Learn how to refinance your mortgage in New Zealand after income changes—whether increases, decreases, job changes, or self-employment. Discover strategies for successful refinancing.

RefinancingLife Changes & Refinancing

How to Refinance When Your Income Has Changed

Navigate refinancing after separation or divorce in New Zealand. Learn how to remove an ex-partner from your mortgage, understand your options, and protect your financial future.

RefinancingLife Changes & Refinancing

Refinancing After Separation or Divorce in New Zealand

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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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