Skip to content

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

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.

<strong>Subscribe for updates</strong>

Business owner, florist

GuideMortgage BasicsRisksOpinionself-employedBusiness Owners

The hidden advantage of using a broker if you run your own business

GuideMortgage BasicsRisksInvestment PropertiesOpinion

Insurance checks New Zealand property investors should make before buying attached homes

Tech contractor coding on a computer

GuideMortgage BasicsOpinionself-employed

Tech Contractor Mortgages in New Zealand: What Lenders Really Look At

First Home BuyersGuideMortgage BasicsOpinionself-employed

Buying a House in Winter NZ. Smart Tips for First Home Buyers + Self Employed Buyers

How It WorksMortgage BasicsBudget & AffordabilityReno Loans

Reno Loans NZ: A Smarter Way to Renovate Without Moving

Self-employed kiwis buying a home

First Home BuyersPro TipsMortgage BasicsDeposit & Savingsself-employed

How contractors can get a mortgage in NZ

KiwiSaver changes.

First Home BuyersMortgage BasicsDeposit & SavingsFirst Home DepositsKiwiSaver DepositsOpinion

KiwiSaver First Home Withdrawal for Service Tenancy Workers

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

Previous page 1 2 3 Next page

For Mortgages, Business + Investments

Mortgages
Business
Investments
- Wholesale Investments
- Term investment calculator
Insights
- TLDR by Luminate

About us
Contact us
Insights
Privacy policy
Disclosures
Terms and conditions

_{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

Wholesale investments
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. 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.}

_{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.}