Refinance your home loan

Get a better rate on your existing home loan.

Take advantage of market changes for better rates

Sometimes, you find yourself with a home loan with terms that just aren’t working anymore. Maybe your situation has changed, or the economy changed and the market evolved to have better rates.

Refinancing to get better terms is like giving your finances a breath of fresh air. A small change in interest can lead to big changes in your monthly repayments and massive savings over the life of your loan. It’s a strategic move for better cash flow and improved financial stability.

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 personalised refinancing plans, focusing on improving cash flow and securing better terms, reduced monthly spend, and gaining substantial long-term savings.

Experienced loan advisors

Our team of experienced loan advisors have an in-depth understanding of current market trends and can provide personalised guidance to help secure the best possible loan terms for you.

Wide range of lenders

We have access to a vast network of lenders offering refinancing home loans. As a result, you get more loan options to choose from and increase your chances of getting approved.

Book a call

Break free from
high interest rates

Refinancing your home can help you breathe easy. It allows you to get more flexibility into your finances, such as getting a loan structure that works better with your income. You can get out of high interest rates, burdensome terms, and inflexible lenders. By switching to a lower interest rate and improved loan terms, you may:

Extend your term to reduce your monthly repayments and free up cash flow.
Consolidate other debts into one manageable mortgage.
Lower your interest rate and save on financing costs.
Change the loan structure, such as switching from interest-only to principal and interest, or vice versa.

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 and 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 and 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 to transform your finances?

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.

Visit

11 McColl Street,
Newmarket,
Auckland 1023

Call

Speak to someone today on
0800 333 400 or +64 9522 8908

Contact

All general enquiries to
askus@luminate.co.nz

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