Issues with your credit rating?

Life brings challenges that affect your credit, but bad credit home loans can help you move forward.

Bad credit is not a barrier to
buying a home

Life happens, and sometimes, your credit score may suffer. That’s why we offer bad credit home loans that can help you purchase a new home, regardless of your credit history.

Our experienced team will work with you to find the best financing options for borrowers who do not fit traditional credit policies. We work to create innovative financial solutions where other lenders can’t, so you can get approved for a loan and start building equity in your own home.

Why choose Luminate?

For over 20 years, Luminate has been solving clients’ financial problems and getting them moving forward.
No two applications are the same. We understand and will tailor a solution to your unique situation.

Customised loan options

Every application is unique. We will work closely with you to tailor a solution that unlocks your situation and gets you moving forward.

Experienced loan advisors

Our team of experienced loan advisors understand home loans and can provide personalised guidance to help secure the best possible loan terms for you.

Wide range of lenders

We have access to a vast network of bank and nonbank lenders. As a result, you get more loan options to choose from and increase your chances of getting approved.

Book a call

More within reach than you thought

Even if you have less-than-ideal credit, buying or refinancing your own home may be more attainable than you imagined. Our bad credit home loans open doors through flexible underwriting and customised loan options.

  • Get approved based on more than just your credit score.

  • Choose between fixed and adjustable rate loans.

  • Receive dedicated loan guidance from start to finish.

Get the funding you need in 4 simple steps

Get started

Contact us

Get in touch with our team of experts by phone, email, or filling out our online form. We’ll ask you some questions to understand your unique situation and loan needs.

Application and assessment

Provide the necessary documents so we can assess your eligibility. We’ll look at your income, expenses, credit history, and, if applicable, your property details.

Approval and terms

If approved, we’ll present you with loan terms including the interest rate, fees, loan amount and repayment structure. Ask us questions and make sure you understand the offer.

Settlement

Once you accept the offer, we’ll take care of the legal paperwork and administration. After you execute the documents, any outstanding conditions and the settlement of your loan will take place, moving you forward.

Ready to purchase your home?

Take the next step and let our expert team guide you through every part of the process—from finding out how much you can borrow to choosing the right loan features.

Contact us
Contact us

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11 McColl Street,
Newmarket,
Auckland 1023

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