Here’s how we make flexible lending work for real life
Getting declined by the bank isn’t the end of the road. We help everyday Kiwis turn “no” into “here’s how.”
Low-deposit lending from
5–10%
You don’t always need 20%. We work with lenders who accept smaller deposits — especially if you have good income, strong rental history, or family support. We’ll structure it to stack up.
Support if your credit history isn’t perfect
Missed payments? Old defaults? We help you access lenders who focus on where you’re going — not just where you’ve been. We’ll help present your case the right way.
Creative solutions beyond the bank
We have access to non-bank and alternative lenders who specialise in situations the banks can’t help with — from self-employed borrowers to those rebuilding after life events.
A realistic plan to get you in, and move you up
We’ll explain what’s possible now, what might need work, and how to refinance into sharper terms when you’re ready. No false promises — just a clear roadmap.
FAQs about lending with credit issues or low deposits
Can I really get a home loan with past credit issues?
Yes — depending on the details. We look at when the credit issues happened, how severe they were, and what your financial situation looks like now. Some lenders are happy to lend if the issues are older or explainable. We’ll position your case to give you the best chance — and be honest if it’s not quite time yet.
What’s the minimum deposit I actually need?
Some non-bank lenders will accept 5–10%, especially with strong income or a guarantor. We'll also look at how your KiwiSaver, or gifted funds could boost your deposit — and structure things to work with what you’ve got.
Can I improve my position over time?
Yes — and we’ll show you how. Sometimes a “no” now just means a “yes” six months from now with a few changes. We’ll give you a plan to improve your score, your deposit, or your financials so you're in the best shape possible next time.
Ready for a real conversation about what’s possible?
Book a free, no-pressure call with a Luminate adviser. We’ll help you understand your options and put a clear plan in place — even if the bank said no.
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
Our specialist lending solutions
Self-employed borrowers
Your income may not be traditional — but we know how to present it. From low-doc loans to tailored structures, we help contractors, sole traders, and business owners get the lending they need.
Bridging & short-term loans
Buy before you sell, fund urgent settlements, or keep your project on track. We move fast — with lenders who specialise in time-sensitive funding.
Second mortgages & debt consolidation
Top up your lending without disturbing your main home loan. A second mortgage can unlock equity for renovations, business cashflow, or simplify multiple debts into one.
