How we help property investors get the edge
Where some see risk, we see opportunity. Our job is to structure lending that’s not only approved — but works harder for you.
Solutions for self-employed or complex income
Rental yield, business profits, shareholder drawings — we help you present your income clearly across entities.
Investment-focused structures and advice
From interest-only loans to offset accounts and trust-based lending — we tailor the lending to support cashflow and minimise friction later.
Access equity for your next purchase
We help you unlock usable equity in your home or existing properties — and calculate safe borrowing levels to support growth.
Bank and non-bank options to maximise leverage
If your bank says you’ve hit the wall, we bring in funders who view things differently — and open doors for your next move.
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 investment property lending
How much deposit do I need for an investment property?
For most bank lenders, it’s 30% — but some non-bank lenders allow less, especially for strong earners or low-risk properties. We’ll walk you through all your options, including using equity as your deposit.
Can I use the rent from the property to help me borrow more?
Yes — but banks and non-banks use different “rental shading” formulas to calculate what percentage of rent they count. We help maximise your assessed income and improve your borrowing power.
What if I’ve hit my borrowing limit with the bank?
You’re not alone — most investors do eventually. We work with non-bank and specialist lenders who take a more flexible approach to servicing, income, and portfolio lending.
We work with trusted bank and non-bank lenders
.webp){kind=logo}
.webp){kind=logo}
.png){kind=logo}
.webp){kind=logo}
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 grow your portfolio — or just get started?
Book a no-pressure call with a Luminate adviser. We’ll help you run the numbers, explore smart lending options, and build a strategy that backs your investment goals.
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.
Build a new home
Building a home? Luminate secures construction loans, navigates lender challenges, and tailors terms to fit your budget and timeline.
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.
