Smarter insight to a better financial future
We back Kiwis with fast, personalised finance, giving you clarity, confidence, and a clear path forward when it matters most.

How can we help?
Home loans
From first homes to forever homes — we’ll help you get the finance sorted, with guidance that makes the process clear, simple, and stress-free.
Business & property lending
Need funding for commercial property, a development project, or growing your business? We structure smart finance to get things moving.
Specialist non-bank lending
Low deposit, self-employed, or turned down by the bank? We work with lenders who look at the full picture — and find solutions others miss.
Investment
Put your capital to work through secured lending opportunities. Target strong fixed returns, backed by real assets — for certain categories of wholesale investors only.
With over $1.5 billion in lending, and more than 20 years empowering homeowners, developers, and investors to achieve their goals
What our clients are saying
We needed funding within days to secure a development site. The banks said no—Luminate said yes. Funds landed within 48 hours and we didn’t miss the deal.
Mike T.
As a self-employed couple, we were getting knocked back left and right. Luminate understood our situation and structured a mortgage that worked. Game-changer.
Andrea & Tim D.
My bank gave me the runaround for months. Luminate had my loan approved in a week—even with a tricky credit history. Can’t thank them enough.
Lucy M.
Trent and Farea - you rocked it :). It was the easiest and the best first home mortgage advice/transaction we have ever had. Farea Khan went above and beyond.
Jashnil K.
We contacted them with the feeling was “give it a try, but no hope”. And now we are sitting on our couch in our living room in our new house and waiting for Christmas.
Marita H.
Total rock stars and know the financing game inside out - extreme professionalism, high level contacts, and a true understanding of the numbers.
Kesh M.