Bridging finance

Access short-term finance to cover a gap between settlement dates.

Secure your new home while you’re waiting on settlement

The real estate market waits for no one. If you’re in the market to buy a new home, you may need a bridging loan to fund the purchase while you’re selling your old home. It’s a convenient way of moving quickly on a new property without having to wait until your current home is sold.

Don’t let financial constraints hold you back from seizing the perfect opportunity. A bridging loan or second mortgage can be the key to a smooth transition. These short-term financing options are specifically designed to help homeowners like you bridge the gap between buying a new property and selling your current one.

Why choose Luminate?

We’ve been securing property finance for our clients since 1998, and in that time we’ve sourced nearly $10 billion in loans.
We give you expert financial advice on the best options for your loans, and complete your application with the information you provide. We set out your case in a compelling way, with everything lenders need to make a fast decision. Then we negotiate hard on your behalf to get you a deal that could save you thousands in repayments. Call us today.

Structuring your ideal loan

We work closely with you to structure your bridging finance to be perfect for your needs. We find competitive rates and the most flexible terms to save you money and make sure you can meet that settlement date.

Swift approval process

Time is of the essence when buying a new home. We work fast to make sure you get approval on the funds you need, so you know they’ll be there on your settlement date.

Seamless home transition

Experience a smooth transition from the old to your new home with Luminate’s bridging finance solutions. Say goodbye to unnecessary delays and hello to a smooth, hassle-free relocation process.

Book a call

Get the funding you need in four simple steps

Get started

Contact us

Get in touch with our team of experts by phone or with our online form. We’ll ask you some questions to understand your unique situation and loan needs.

Application and assessment

We’ll let you know which documents we need to start your applications. We’ll look at your income, expenses, credit history, and the details of your new home to work out how much you might be able to borrow.

Approval and terms

We’ll complete your applications and lodge them with our lenders. When they get back to us we’ll let you know the results, including interest rates and fees. You can ask us questions and make sure you understand the offers.

Settlement

We’ll get you documents to sign for your loan, and make sure the funds go through. The funds usually go to your solicitor’s trust fund, ready to transfer to the seller on settlement day.

Ready for your new home?

Take the next step and let our expert team guide you through every part of the loan application process.

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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