Earn fixed returns from secured lending

We believe private credit can do more — for investors, borrowers, and the economy. At Luminate, we offer eligible wholesale investors access to competitive, fixed-return term investment opportunities secured by New Zealand property.

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invest@luminate.co.nz

Luminate Finance Term Investments for Wholesale Investors in NZ

A radiant red beam rises from a structured financial platform, surrounded by ascending geometric blocks — symbolising secure, high-performing mortgage-backed investments with Luminate

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

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

Term Investment Rates (No fees apply)

Last updated: 30th September 2025

Min. deposit

6 months

9 months

12 months

18 months

2 years

3 years

4 years

5 years

$50,000

7.50%

7.90%

$100,000

7.75%

8.00%

If you have $500,000 or more to invest for 12 months or longer, Luminate may be able to offer you a special rate!

*All rates are NZD rates p.a.
Only available to qualifying investors under specific wholesale investor categories defined in FMCA 2013. Not a regulated offer & not available to retail investors. Investment involves risk including potential loss of capital. Past performance is not a reliable indicator of future return. Rates are subject to change without notice.

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Fixed-rate returns and transparent terms.. No hidden fees

We offer access to private loans structured to provide fixed, competitive returns, depending on loan term and risk profile. Investors are shown upfront the rate, term, and repayment structure for each offer. No fees apply to investments.

Competitive Term Investment Interest Rate Returns

Competitive Returns

Up to 8.00% p.a. pre-tax, paid monthly

Secured by New Zealand property

Each loan is backed by a registered security and may be supported by additional protections like General Security Deeds or personal guarantees. Real-world assets. Clearly defined protections.

Quality over quantity — always

We don’t push volume. Every opportunity is handpicked by our internal credit committee based on conservative assumptions and strict due diligence. If it doesn’t meet our standards, it doesn’t make it to investors.

Clear process and oversight

From onboarding to full repayment, our legal and compliance team ensures each investment is structured, documented, and monitored with care. We’re transparent every step of the way.

Designed for qualifying wholesale investors

Luminate works exclusively with investors who qualify under specific wholesale categories in the Financial Markets Conduct Act 2013.

Important Information for Investors

This investment opportunity is only available to investors who qualify under specific wholesale investor categories as defined in the Financial Markets Conduct Act 2013. It is not a regulated offer, and is not available to retail investors.
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Luminate Finance Limited is the issuer of the term investments. Luminate Finance Limited is not a licensed financial advice provider and does not provide regulated financial advice. All information is general in nature and does not take your personal financial situation into account. We recommend you seek financial advice from your professional adviser in respect of your investment needs and strategy.

Investments involve risk, including the potential loss of capital. Past performance is not a reliable indicator of future returns. Rates are subject to change at any time without notice.

New Zealand’s non-bank and private credit sector has grown over 100% since 2010 now accounting for over $12 billion in lending

Source: Reserve Bank of New Zealand (RBNZ)

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Learn More About Luminate

Luminate Your Path

How are returns paid — and how secure are they?

Returns are fixed by the terms of the loan offer to a borrower, typically paid monthly. Or your net interest can be added to your original investment to capitalise on this growth. Every loan to a borrower is secured by a registered mortgage, most commonly first-ranking, and further protected by personal guarantees or general security deeds. We don’t release investor funds to our borrowers until all securities are in place.

How does Luminate select which loans to fund?

We vet every borrower, asset, and exit strategy internally. Our credit committee only approves loans that meet strict structural, legal, and repayment criteria. We prioritise risk management over volume — every deal is built to perform.

What’s required to invest?

You’ll need to qualify under certain categories of wholesale investor under the Financial Markets Conduct Act typically by meeting criteria relating to wealth or the size of your investment.