How we help you build without the budget blowouts
Building is exciting — but it’s also complex. We help you secure the right loan for your build type, stage the funds correctly, and avoid nasty surprises along the way.
Support for first-time or complex borrowers
New builds can overwhelm anyone — especially if you're self-employed, have multiple incomes, or need help presenting your case. We’re here to guide you, step by step.
Expert help with valuations, timelines, and lending structure
We model your build timeline and budget, guide you through cost-to-complete and valuations, and ensure your approvals match reality.
Finance for land + build packages or bare land first
Whether you’re buying both together or in stages, we structure lending that suits your deposit, timing, and lender policies.
Turnkey, fixed-price, or progress-payment builds
We work with banks and non-banks to fund all build types — whether you’re paying in stages or on delivery.
Use our mortgage calculator to see what’s possible.
Get an estimate of your repayments in seconds — and turn rough numbers into a real plan with expert support.
FAQs about finance to build a new home
Do I need a fixed-price build contract?
Not always. Some lenders insist on fixed-price contracts to limit risk, but other lenders offer more flexibility. We’ll assess your lender options based on your builder, budget, and build type.
Can I buy land now and build later?
Yes — we can often arrange lending that lets you purchase the land now and either top up later or pre-structure the full land + build package. Just be aware of valuation and approval expiry timelines — we’ll guide you.
What happens if the build goes over budget or time?
We plan for that upfront. We’ll work with you to create buffer strategies, lender contingencies, and funding flexibility — so your dream doesn’t become a financial headache.
We work with trusted bank and non-bank lenders
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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
Ready to build your future? Let’s structure the finance right.
Book a no-pressure consult with a Luminate adviser. We’ll walk you through what’s possible — and make sure your loan works as hard as your builder does.
Market & interest rate updates
More home loan offerings
Buying your first home
Luminate gets you the best loan terms, handles bank negotiations, and guides your wealth-building journey with expert advice.
Refinance your home loan
Refinance your home loan for better rates. Adapt to market changes, lower payments, and save big over time. Boost cash flow with Luminate’s expert guidance.
Buying your second home
Upsize, downsize, or rightsize your home? Luminate finds the best loan options, negotiates with banks and lenders, and secures funds for your next move.
Build your wealth through property investment
From first-time investors to seasoned landlords, we shape lending solutions around your goals, income, and long-term plans.
