Self-employed with variable income?

Achieve homeownership despite variability in your income.

Home Financing Made For Variable Cash Flow

Self-employment brings the freedom to chart your own course, but a fluctuating cash flow can make qualifying for a mortgage difficult.

Luminate specialises in home financing solutions made specifically for variable cash flow. We look into the full picture of your finances, not just last year’s tax return. Our underwriters evaluate current business performance, assets, credit, and future earnings potential to assess the true financial circumstance of borrowers.

With the right lender, variable cash flow doesn’t have to be a barrier. Don’t let irregular income stop you from achieving your dreams of homeownership.

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 will tailor a solution to your unique situation.

Customised Loan Options

We work closely with you to design customised loan packages that suit your financial needs, offering competitive interest rates and flexible repayment terms.

Experienced Loan Advisors

Our team of experienced loan advisers understands the variability that comes with self-employed finances and provides tailored advice for your situation.

Wide Range of Lenders

We have access to a vast network of lenders specialising in alt-doc loans. As a result, you get more loan options to choose from and increase your chances of getting approved.

Book a Call

We Dig Deeper To Say “Yes”

Everyone deserves a home, and we’ll help you get a mortgage approval despite variability in your income. Our team of expert advisors dig deep to assess your true earning potential. Let us tailor an offer to match your unique financial profile.

  • Use total financials and not just tax returns to qualify, supplementing with alternative documents such as invoices

  • Get credit for assets and resources beyond income

  • Make the most of write-offs that don’t reflect earnings

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 & 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 & 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 For Your New 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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