How we make refinancing simpler and smarter
Your needs change, your loan should too. We make refinancing easy to understand and even easier to action.
Tap into equity without disrupting your setup
Want to renovate, invest, or help family? We’ll help you access funds smartly — often without starting from scratch.
Consolidate debt into one easy repayment
Rolling other debts into your home loan can cut your interest bill — and reduce financial stress. We’ll show you how.
Compare rates across banks and non-banks
We’ll shop the market for you — and negotiate sharper deals based on your goals.
Switch lenders without the paperwork nightmare
We coordinate everything — from approvals to discharge — so you don’t get stuck chasing banks or reading fine print.
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 refinancing with Luminate
How do I know if refinancing will actually save me money?
We do the maths with you — and for you. That means comparing your current repayments, interest, and remaining term against what’s possible elsewhere. Sometimes a lower rate doesn’t mean big savings once fees are factored in. We’ll give you a clear yes-or-no answer, not a sales pitch.
Can I refinance just to release equity — even if I’m happy with my bank?
Absolutely. If you’ve built up equity and want to fund a reno, help the kids, or make a new investment move, we can often do a top-up — sometimes without switching banks. If switching gets you better terms too, we’ll show you that as well. You stay in control.
Will refinancing mean tons of paperwork and time off work?
Not with us. Yes, there’s an application — but we streamline the process, request only what’s needed, and handle the legwork with banks and solicitors. Most clients are surprised by how easy it is when they’ve got someone managing it all in the background.
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
Let’s make your home loan work harder
Book a free, no-obligation chat with a Luminate adviser. We’ll review your current setup, compare options, and show you how to save money or unlock your next move.
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