Luminate Home Loans
  • Your Home
    • Buy your first home
    • Buy your next home
    • Renovate your home
    • Build a new home
  • Properties
    • Buy your first investment property
    • Add to your property portfolio
    • Renovate your investment property
    • Build a new investment property
  • Finances
    • Release cash from your property’s equity
    • Source bridging finance
    • Get a better rate on your existing home loan
    • Restructure your lending for maximum efficiency
  • Business
    • Construction and Development finance
    • Funding your business
  • Challenges
    • Issues with your credit rating
    • Limited by a low deposit
    • Variable income for self-employment
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  • Need a loan? 

    You’re in the right place.

    We’re your property finance solution.
    We come up with creative financial solutions where other lenders can’t.

    Contact us

Need a home loan?

You’re in the right place.

We’re your property finance solution.

We come up with creative financial solutions where other lenders can’t.

Contact us
Why Choose Luminate

We’re here to help you succeed

Our aim is to save you time. We know all the ins and outs of the banks and nonbank lending and we can take care of all the tough, fiddly and frustrating bits fast.

We regularly work with lenders from banks and other organisations. We know how to present your loan application to them in the best possible way, and how to negotiate with them on rates and terms. They know us and trust us, and because we give them tens of millions of dollars worth of quality loans every year, they do the best they can for our clients.

What do you need help with?

Your home

When it comes to your own home, you want the best possible finance deal to make your dreams a reality. How can we help?

  • Buy your first home
  • Buy your next home
  • Renovate your home
  • Build a new home

Your properties

Property investing is a proven pathway to growing wealth. The secret is in effective leverage. That’s where we can save you money – and build your wealth.

  • Buy your first investment property
  • Add to your property portfolio
  • Renovate your investment property
  • Build a new investment property

Your business

Need a boost for your business? From funding major construction projects to powering your next expansion, we’ll help you secure the right financing to take your business to new heights.

  • Construction and development finance
  • Funding your business

Your finances

The most efficient source of finance – and your biggest source of potential savings – is almost always a property loan.

  • Release cash from your property’s equity
  • Source bridging finance
  • Save money on your home loan
  • Restructure your loans more efficiently

Other challenges

Facing roadblocks? We’re here to smooth things out. From credit concerns to deposit dilemmas, we’ve got smart solutions for your unique situation.

  • Issues with your credit rating
  • Limited by a low deposit
  • Variable income for self-employed

Why choose
Luminate Home Loans?

We work to deliver creative and innovative financial solutions where other lenders can’t. In short, we have the expertise you can trust.

  • We’re one of the most experienced mortgage brokers in New Zealand. In our 26 years of operating, we’ve sourced almost $2 billion dollars in loans.

  • We have a network of bank and private lenders that gives you amazing flexibility with your loan options.

  • We complete your loan application for you, in a way that’s easy for lenders to assess – which makes it easier for them to say “yes”.

  • We take the time learn about you, your family and your goals so that we can better meet your needs.

Enjoy simpler
financial solutions

Take the next step and let our expert team guide you through every part of the process—from finding out how much you can borrow to choosing the right loan features.

Contact us

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Visit

11 McColl Street,
Newmarket,
Auckland 1023

Call

Speak to someone today on
0800 333 400 or +64 9522 8908

Contact

All general enquiries to
askus@luminate.co.nz

Our Services

  • Buy your first home
  • Build a new home
  • Get a better rate on your 
existing home loan
  • Construction and development finance
  • Restructure your lending for maximum efficiency
  • Source bridging finance
  • Buy your first investment property
  • Build a new investment property
  • Renovate your investment property

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We understand how important it is to protect your personal information. Click “read more” to view our commitment to privacy.

Read more.

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