Add to your property portfolio

Borrow up to 80% of value on your investment property

Unlock more investment capital
with up to 80% financing

While banks are usually your best option, expanding your rental property portfolio can require financing beyond conservative bank lending. New Zealand banks just can’t keep up with highly ambitious people. We offer rental property loans up to 80% LTV so you can optimise leverage and unlock more capital for acquisitions.

Our experienced team understands the intricacies of investment property financing. We understand the business of owning rental properties and can structure competitive loan terms that match your investment strategy.

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 take the time to understand your property investment goals and customise financing strategies to match. Available options range from first mortgages to lines of credit, with competitive rates and flexible terms.

Experienced loan advisors

Our dedicated investment loan experts have extensive experience with investment financing for local and overseas investors. We guide you through every step and help structure optimal solutions.

Wide range of lenders

We maintain relationships with leading bank and non-bank lenders across New Zealand. This allows us to access a wide range of rental loan programs to meet your specific needs.

Book a call

Leverage financing to grow your rental property portfolio

Access funding at up to 80% LVR to purchase or refinance rental property investments. We provide the financing to build your rental property portfolio.

  • Finance up to 80% LTV on property purchases to keep more capital free for other deals.

  • Fund repairs, renovations, and improvements and refinance after repairs to pull out equity for new investments.

  • Buy new rental properties with less money down.

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.

Up to 80% rental financing—let’s talk options.

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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