Here’s how we make bridging simpler and smarter
When timing doesn’t line up, we structure lending that does.
Clear exit strategy advice from the start
Every loan needs an exit. Whether you plan to sell, refinance, or restructure, we’ll guide you through the best path — and ensure your funding plan works if things take longer than expected.
Fast capital when banks are too slow
Sometimes Banks can’t move fast enough - or don’t want short-term lending. We work with lenders who understand speed matters, especially when you’re up against finance or auction deadlines.
Bridge gaps in your investment or development
Need to settle while CCC, titles, or consents are still in motion? We arrange short-term funding that keeps projects on track — so you don’t lose time, face penalties, or miss an opportunity.
Buy your next home before selling your current one
We’ll help you access equity tied up in your existing home so you can secure your next property without rushing to sell — or missing out. The right structure gives you breathing room.
Bridging loan FAQs
What if my sale takes longer than expected — will I get stuck?
No — not if the deal is structured right. That’s where we come in. We’ll work with you to build in buffer time, assess your fallback options, and ensure there’s a solid exit plan even if timelines shift. Getting the “what ifs” covered early is key to stress-free bridging.
Can I get a bridging loan even if my bank says no?
Absolutely. We work with a wide panel of non-bank and private lenders who are flexible - especially if there’s good equity and a clear exit strategy. We’ll show you what’s realistic.
I need funds urgently — how fast can we move?
Fast. With the right documents, we’ve secured bridging approvals in 2–5 days — sometimes even quicker with private lenders. Speed depends on the clarity of your situation and how prepared you are. We’ll help you get everything lined up early.
Need to move quickly? Let’s get your deal over the line.
Book a free, no-pressure call with a Luminate adviser. We’ll tell you what’s possible, walk you through the options, and make sure your plan stacks up.
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.
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.
Low deposit or credit challenges
Been told no by the bank? That’s not the end of the road. We help first-time buyers and existing homeowners access finance with as little as 5–10% deposit — even with past credit hiccups.
