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

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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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.

Meet the Luminate team

Trent Bradley

Director

Anthony Creighton

Finance Manager

Hilary Johnson

Mortgage Advisor

Sue Gin

Administration

Tague Bradley

Residential Analyst

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., Property Developer, Auckland

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., Small Business Owners, Tauranga

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., Freelance Creative, Christchurch