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

TLDR; by Luminate

TLDR; by Luminate is our weekly quick read on what is moving in New Zealand property, lending, and rates right now, with the key signals that matter, minus the waffle.

Woman in front of the fire at home keeping warm

Mortgage BasicsOpinionTLDR

NZ Property Market Update 7 August 26 | Buyers Have the Upper Hand, But Rates Are Moving Again

Hiking in the south island of New Zealand, winter scene. red overlay

Mortgage BasicsOpinionTLDR

NZ Property Market Update 24 July 26 | Nearly 35,000 homes for sale as rates head higher

Football fans cheering

Mortgage BasicsOpinionTLDR

NZ Property Market Update 17 July 26 | Rates Rise, House Prices Park the Bus

Woman looking up over Rangitoto

Mortgage BasicsOpinionTLDR

NZ Property Market Update 9 July 26 | OCR is up

Construction workers laying foundations

Mortgage BasicsOpinionTLDR

NZ Property Market Update 3 July 26 | House Prices Slip, Mortgage Rates Split

Football player ready to kick the ball. With a red branded overlay

Mortgage BasicsOpinionTLDR

NZ Property Market Update 26 June 26 | Buyers Take Possession as the Market Opens Up

Auckland Harbour Bridge Red tone overlay

Mortgage BasicsOpinionTLDR

NZ Property Market Update 19 June 26 | Auckland’s Back Over $1m, But Buyers Still Hold the Cards

Mortgage BasicsOpinionTLDR

NZ Property Market Update 12 June 26 | Fieldays, fixed rates, and a housing market in low gear

Mortgage BasicsOpinionTLDR

NZ Property Market Update 5 June 26 | May data drop + Rate increases

Budget 2026

Mortgage BasicsOpinionTLDR

NZ Property Market Update 29 May 26 | Budget 2026 edition

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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

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.}

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