Mortgage brokers specialising in self-employed home loans

Traditional banks love predictable, standard payslips. They often struggle to interpret complex business structures, shareholder salaries, or recent net profit growth. A specialist self-employed mortgage broker understands how to read your financial statements, calculate your true borrowing power, and find lenders that welcome non-standard income.

At Luminate, we connect self-employed New Zealanders with both major banks and alternative, agile lenders. Whether you have two years of pristine trading history or need an alternative documentation (alt-doc) loan, we find flexible lending structures that match your business reality.

Mainstream banks often look at a business owner's bottom line tax figure and instantly decline the application. A specialist broker digs deeper to build a case that proves your true repayment capacity.

Our self-employed lending strategies focus on:

• Identifying Add-Backs: We add back one-off expenses, depreciation, and shareholder salaries to maximize your provable income.
• Access to Alternative Lenders: If major banks say no due to unfiled returns, we utilize specialist low-doc and non-bank lenders.
• Streamlining the Paperwork: We coordinate directly with your accountant to gather the exact IRD summaries, financial accounts, and cash flow forecasts lenders require.
• Complex Structure Navigation: Whether you operate as a sole trader, partnership, or limited liability company, we structure the debt safely.

Luminate supports business owners nationwide. Whether you are managing a company in Auckland, contracting in Wellington, or running a trade in Christchurch, our remote advisory team handles your lending without interrupting your working day.