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

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

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 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.

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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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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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.