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Explore Flexible Financing Options Beyond the Banks

Book your free non-bank financing consultation and discover solutions tailored to your unique situation.

Why Book a Consultation?

Traditional banks aren’t always the best fit. Our consultation helps you:

  • Understand your options with non-bank lenders

  • Identify solutions when banks say no

  • Maximize flexibility in loan terms and approvals

  • Gain confidence to make informed financing decisions

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What to Expect

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

  • Review your financial situation and borrowing goals

  • Explore non-bank lending options suited to your needs

  • Get expert advice on improving approval chances

  • Leave with a clear plan of next steps

Auckland commercial buildings diagonal view

Why Choose Us

 

  • Independent advisors, not tied to any bank
  • Specialists in non-bank financing solutions
  • Personalized guidance for property investors, first-home buyers, and more

Guide FAQ

How long is the consultation?

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

Do I need to bring financial documents?

No, but having income or savings info handy helps us provide more tailored advice.

Is the consultation free?

Yes, it’s completely free and comes with no obligation.

Who can join the consultation?

You can bring anyone involved in your financing decisions, such as a partner or family member.

What happens after the consultation?

You’ll leave with a clear understanding of your options and a plan for moving forward with non-bank financing.

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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