Finance reimagined for real people

At Luminate, we believe finance should feel clear, personal, and empowering. We’re here to help Kiwis move forward with confidence, whether you’re buying your first home, growing a business, completing a project, or investing for passive income.
Call (0800) 333 400
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Meet the Luminate team

Trent Bradley

Director

Anthony Creighton

Senior Finance Manager
Image of Hilary Johnson

Hilary Johnson

Senior Mortgage Advisor
Image of Hilary Johnson

Hilary Johnson

Senior Mortgage Advisor
Image of Hilary Johnson

Hilary Johnson

Senior Mortgage Advisor

Dhaval Savla

Senior Mortgage Advisor
Image of Hilary Johnson

Hilary Johnson

Senior Mortgage Advisor
Image of Hilary Johnson

Hilary Johnson

Senior Mortgage Advisor
Image of Hilary Johnson

Hilary Johnson

Senior Mortgage Advisor

Hilary Johnson

Senior Mortgage Advisor

McColm Cowden

Special Projects Manager

Sue Gin

Administration & Compliance

Jenny Lu

Head of Marketing

Sheenal Singh

Senior Credit Analyst

Tague Bradley

Credit Analyst

Mathew Sa

Client Relationship Manager

Trent Bradley

Director

Anthony Creighton

Senior Finance Manager

Dhaval Savla

Senior Mortgage Advisor

Hilary Johnson

Senior Mortgage Advisor

McColm Cowden

Special Projects Manager

Sue Gin

Administration & Compliance

Jenny Lu

Head of Marketing

Sheenal Singh

Senior Credit Analyst

Tague Bradley

Credit Analyst

Mathew Sa

Client Relationship Manager

Built from experience driven by outcomes

We’re more than mortgage advisers. We’re problem-solvers, deal-makers, and long-term partners. Behind every loan is a story — a family moving in, a developer racing the clock, a business unlocking growth, or an investor seeking smarter yield. We take those stories seriously.

Specialist Lending

Low deposit? Past credit issues? Been told no? We look past the surface to find lending solutions that make sense — with non-bank options that work when others don’t.

Home Loans

Whether you're buying your first home, upsizing, or refinancing, we make the journey simple. More lender options, smarter strategy, and clear guidance from start to settlement.

Private Investment

For wholesale investors seeking income backed by real assets, we offer access to secured lending opportunities with fixed returns — selected, structured, and monitored by our expert team.

Business & Property Lending

From land purchases and construction to bridging and working capital — we structure flexible lending that keeps your project or business moving, even when timelines shift.
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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

What sets us apart

Full-spectrum lending, structured for real life.

We work across the entire market — from major banks and second-tier lenders to non-bank funders and private capital. That means we can structure solutions that others can’t, even when the answer elsewhere is no.

Human centred, outcome driven advice.

Clients work directly with experienced advisers who listen first. Every solution is built around the client’s goals, not product quotas or sales scripts. That human-first approach, combined with clear advice and zero jargon, builds long-term trust.

A proven track record for over twenty years.

With more than $1.5 billion in lending arranged since 1998, Luminate has seen nearly every funding scenario imaginable. That experience means fewer delays, more approvals, and solutions that get across the line.

Access to private capital & in-house lending.

Unlike most brokers, Luminate can offer in-house lending through Luminate Finance and access to private investor-backed capital. This creates flexibility for deals that need speed, creativity, or a bespoke structure.

Get in touch, let us know how we can help

Email address
askus@luminate.co.nz
Phone number
(0800) 333 400
Our location
11 McColl Street, Newmarket, Auckland
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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.

¹Past 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.
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