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Your First Home Starts Here

Book your free consultation today and get expert guidance on every step of buying your first home.

Buying your first home is exciting—but it can also feel overwhelming. Our consultation is designed to give you:

  • Clarity on what you can afford

  • Guidance on home loan options and deposits

  • Tips to avoid common first-time buyer mistakes

  • Confidence to take your next steps

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What to Expect

In your 30–45 minute consultation, you’ll:

    • Discuss your financial situation and goals

    • Learn about different lending options (including non-bank solutions)

    • Get answers to your biggest first-home questions

    • Walk away with a clear action plan

Auckland commercial buildings diagonal view

Why Choose Us

 

  • Experienced property finance advisors
  • Independent guidance, not tied to one bank
  • Support tailored to first-time buyers

Guide FAQ

How long does the consultation take?

Most consultations run about 30–45 minutes, depending on your questions.

Do I need to bring anything?

No paperwork is required. If you have income details or savings info handy, it can help us give more tailored guidance.

Is there any cost or obligation?

No—your first consultation is completely free and comes with no obligation.

Can I include my partner or family?

Yes, you’re welcome to bring anyone involved in the buying decision.

What happens after the consultation?

You’ll leave with a clearer understanding of your options and next steps. If you’d like, we can support you further in your home-buying journey.

Luminate Financial Group
Important Information
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Luminate Financial Group Limited (FSP765531) is a licensed Financial Advice Provider (Class 2 FAP), authorised to provide regulated advice on home loans, commercial and business lending, and specialist finance.

Luminate Finance Limited (FSP449126) is registered under the Financial Service Providers (Registration and Dispute Resolution) Act 2008 to provide consumer credit contracts and non-consumer credit contracts. It is not a licensed Financial Advice Provider and does not offer regulated financial advice. Investment opportunities are available only to investors who meet specific wholesale investor criteria as defined in the Financial Markets Conduct Act 2013. These are not regulated offers and are not open to retail investors.

All lending is subject to credit assessment and responsible lending obligations under the Credit Contracts and Consumer Finance Act 2003. We follow the Responsible Lending Code to ensure loans are suitable and affordable for our clients.

¹Past performance is not a reliable indicator of future results. Fixed rates are subject to change. Terms, conditions, lending criteria, fees, and charges apply. Images may be indicative only.

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