Ready for your first home?

Home loan solutions for first-time home buyers

Finding you the funding to get into your first home

Your first home is a huge deal. Getting a loan at all can be a challenge, so it pays to have us on your side.

Making a case to a bank can be hard work. Luckily, we deal with the banks all the time. We know how to put your best case forward, and what will put your application to the front of the queue. We complete your application for you, and negotiate hard to not only get you the loan you need, but get the best possible terms as well.

We can even help with advice on the best types of home to give you the best possible start in your life-long wealth creation journey.

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 your best lending options, and complete your applications on your behalf. 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.

Customised loan options

Every application is unique. We will work closely with you to tailor a solution that unlocks your situation and gets you moving forward.

Experienced loan advisors

Our team of experienced loan advisors understand home loans 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 bank and nonbank lenders. As a result, you get more loan options to choose from and increase your chances of getting approved.

Book a call

Make your homeownership
dreams a reality

Stepping into home ownership should be exciting, not stressful. We can help you pull together the loans and funding you need to get you onto that property ladder. (Which to be honest is more of an escalator.)

  • Take advantage of competitive interest rates to keep your monthly payments affordable.

  • Enjoy loan terms that fit your financial situation and future plans.

  • We fill out the forms and structure your application in a way lenders like. Less stress for you!

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 savings 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 to buy your first home?

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.

Contact us
Contact us

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11 McColl Street,
Newmarket,
Auckland 1023

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