Why investors choose Luminate
Fixed-rate returns and transparent terms.. No hidden fees
Competitive Returns
Secured by New Zealand property
Quality over quantity — always
Clear process and oversight
Designed for qualifying wholesale investors
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.
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.
Term Investment Rates (No fees apply)
Last updated: 30th September 2025
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.
New Zealand’s non-bank and private credit sector has grown over 100% since 2010 now accounting for over $12 billion in lending
FAQs about investing with Luminate
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.
Ready to explore Luminate investment opportunities?
