E500 membership
COMING SOON
A private investment membership with limited places, offering access to exclusive property-backed returns and investment opportunities.
- Minimum investment $500,000
- 40 memberships only
Investment opportunities, structured with clarity
Luminate connects experienced and wholesale investors with property-backed private credit, focusing on short-term lending, clear structure, and disciplined risk control.
Term investments
A property-backed term investment offering fixed returns for eligible wholesale investors in New Zealand.
- Returns from 7.50% p.a.
- Minimum investment $50,000
- Terms - 6 months to 5 years
-min.jpeg?width=2000&height=1642&name=AdobeStock_576293650-min%20(2)-min.jpeg "Happy family")
What we invest in
Luminate is a specialist lender providing short-term loans secured by first and second mortgages over residential and commercial property, primarily in the Auckland market.
We do not offer unsecured lending or consumer finance. Every loan is property-backed and assessed under a strict lending policy.
- Security is clearly defined
- Exit strategies are identified upfront
- Risk is actively managed
A disciplined approach to property-backed lending
Every lending opportunity follows a consistent and conservative process, including:
- Physical inspection of every property used as security
- In-person borrower engagement
- Multiple internal approval checkpoints
- Legal documentation using standard New Zealand law firm templates
If a loan sits outside standard parameters, it requires direct sign-off at director level.
Security structure for investors
Investor funds benefit from a three-tier security structure designed to control downside risk:
- Registered mortgages over borrower property
- A General Security Deed held by an independent trustee over Luminate Finance assets
- A personal guarantee from the Director of Luminate Finance
Each investor shares security proportionally, ensuring equal treatment across the investor pool.
Returns and payment structure
Investor returns are generated from interest paid by borrowers.
Returns are typically paid monthly, with interest calculated daily under the agreed loan terms.
The focus remains on consistency, transparency, and disciplined deployment of property-backed capital, rather than chasing yield.
.jpg?width=2000&height=1333&name=sm-pexels-mikhail-nilov-6972671%20(1).jpg "Grandfather and Grandchild")
Who these opportunities are for
Our investment opportunities are generally available to eligible wholesale investors under New Zealand regulations.
Typically, this includes:
- High-net-worth individuals
- Experienced property or business investors
- Investors with professional or financial market experience
If you’re unsure whether you qualify, we’ll talk it through clearly and without pressure.
What our Investors say
Understanding risk
All investments carry risk. Property-backed private credit is no exception.
Key risks include borrower default, property valuation changes, and broader economic conditions. These risks are managed through short loan terms, registered security, conservative lending ratios, and active oversight, but they cannot be eliminated entirely. Investors should always undertake their own due diligence and seek independent advice.
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.
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.
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.
Let’s talk about your investment options
A straightforward conversation to understand your objectives and whether our property-backed approach is right for you.
Frequently asked questions
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.
Is Luminate covered by the New Zealand Depositor Compensation Scheme (DCS)?
No. Luminate investments are not covered by the Depositor Compensation Scheme because they are not bank deposits or licensed deposit taker products. Luminate works with wholesale investors, with funds typically invested in property backed lending.
What is a wholesale investor?
A wholesale investor is someone who meets certain financial or investment experience criteria under New Zealand law, which means they can access investment opportunities that are not usually available to everyday retail investors.
This may apply if you have a high level of income, significant assets, invest a large amount at once, or have been certified as financially experienced by a qualified professional.
Wholesale investments can offer access to different opportunities, but they also come with different disclosure requirements.