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.
Apply
Apply Now
Call (0800) 333 400
Luminate Finance Mortgage Brokers Finance Company Investments NZ

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.
Learn More
See Detail

Business & property lending

Need funding for commercial property, a development project, or growing your business? We structure smart finance to get things moving.
Learn More
Download app

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.
Learn More
Download app

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.
Learn More
Download app

Insights

Build confidence through understanding. We unpack complex financial topics into plain-English explanations, helping you stay informed and make smarter moves.
Learn More
Download app
Important Information About Calculator

This calculator is a general guide only and is intended to provide illustrative results based on the information you enter.

It does not constitute financial advice, nor does it take into account your personal circumstances, objectives, or lending eligibility.

Actual loan terms, repayments, and interest rates may vary depending on your situation and lender requirements.

We recommend speaking with a Luminate adviser before making any financial decisions.

With over $1.5 billion in lending, and more than 20 years empowering homeowners, developers, and investors to achieve their goals

Learn More About Luminate
Luminate Your Path

Testimonials

Mortgage Broking & Finance Clients

From our very first interaction, it was clear that Trent was genuinely invested in our success at Gratpak. As a result of his support, we were able to secure the funding necessary to invest in new technologies and streamline our production processes. I wholeheartedly recommend Trent Bradley to any business seeking a knowledgeable and dedicated financial partner. His expertise and support have been invaluable to us, and I am confident he can help others achieve their financial goals as well!

Sandeep Puri
GratPak Ltd

We knew about Luminate last November from our friend. We contacted them with the feeling “give it a try, but no hope” because we tried so many times before. And now…we are sitting on our couch in our living room in our house waiting for Christmas…The biggest Christmas gift ever in our life.. Just like a dream come true guys!

Luminate Financial Group has the best service which is out of your expectation. They are reliable, fast and super easy.

Marita Huynh

I've had the pleasure of working with Trent Bradley from Luminate, and I can confidently attest that he's a game-changer. With decades of experience under his belt, he navigates even the most challenging times with ease, providing unparalleled guidance and support.

If you're looking for a finance expert who will make your financial goals a reality, look no further than Trent Bradley. Highly recommended!

Garry Singh
Ray White NZ

Investors

Something that is troubling when you have funds to invest is trusting a Company to ‘keep it simple’ and deliver a fair ROI …..and who do the job of increasing the capital value, report monthly in a format I can read and understand and be there if I have questions. Luminate has delivered for me over the past 5 years on an investment of a couple of million. It’s a joy, its simple and effortless on my part, which speaks volumes about the quality of the team.

SR

We have known Trent Bradley for 28 years through a mixture of seeking his advice on borrowing, financing or lending funds for various activities we have engaged in.

With Luminate managing our money we have over the past 28 years had complete peace of mind. We are very pleased to share our experiences with Trent as he is a bedrock to our financial progress.

Michael and Gwyn Gray

Products
Home Loans
Business + Property Lending
Non-Bank Lending
Term Investments
Useful Links
Contact Us
About Us
FAQs
Mortgage Repayment Calculator
Home Affordability Calculator
Other links
Terms + Conditions
Disclosures
Privacy policy
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.
© 2026 Luminate. All rights reserved.