Call Us! (09) 281-5542

Is it time to revamp your home loan?

The market has changed. In 2024, refinancing makes sense.

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Change is a constant especially when it comes to property.

If you have a home loan and you’ve been asking yourself the following questions, it might be time to review your home loan.

Am I paying too much interest?
Do I have too much consumer debt?
Have my circumstances changed?
Are there new opportunities I can take advantage of?

Get your FREE refinance review

Contact us for a FREE refinance review with one of our refinance specialists who can show what options are available to you now.

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Why Refinance?

Consolidate your debt

Consolidate expensive debts like credit cards and personal loans into your lower interest home loan to save money in the long run.

Reduce your mortgage repayments

Renegotiate your current home loan or find a better deal and potentially save tens of thousands of dollars over the life of your mortgage.

Do more with your equity

Tap into your property and enjoy your equity earlier. If you need cash for major purchases, investments, or other financial goals your equity is a viable way to do it.

More lenders mean more chances.

Our network includes bank and non bank lenders. Here’s just some of our network.

Why Choose Luminate Financial Group?

  • We have one of the largest lender networks in New Zealand including access to private non bank sources

  • We’ve helped thousands of Kiwi homeowners and property investors secure finance for over 25 years

  • Our ability to structure applications and advocate on your behalf increases successful finance approvals

  • Relationships are our highest priority—the more we understand you, the better we can find a solution to suit your needs.

Need something else?

Self-employed and need a loan?
Need bridging finance?
Ready to build?
Need a loan but have bad credit?
Start Your Mortgage Review

Real People, Real Experiences

“Highly Recommend”

Great and honest services. Thank you so much! Highly recommend to everyone looking for mortgage options and refinancing.

Eugenia Lytvyn

“Know finance inside out”

Trent and Gary – dont know where to even start – you two are total rock stars and know the financing game inside out – extreme professionalism, high level contacts, and a true understanding of the numbers, you both are the best in the game. And, I love the fact that you care, and hold me to account, with ongoing review, advice, feedback and challenging me, in my investment journey. Massive appreciation on all that you have done – Absolutely above expectations, and I rate you the best in your field!

Kesh Maharaj

“First class service”

This is an organisation that delivers first class service in rapid time!

From my initial conversation with Trent it took 2 weeks to get a result that was both favourable and financially enabling! Farea makes things happen, she is articulate, sharp and solution driven!

Thank you Trent and Farea, you make a difference in other people’s lives :)

Selio Solomon

Get a FREE
Mortgage Review

It’s quick and easy – no tedious forms that
take too much time to fill out.

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We’re ready to help

All conversations are 100% confidential.

Call Us! (09) 281-5542

*Operating hours: 9 AM to 6 PM AEST, Monday to Friday

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    General lending criteria, terms, conditions and fees apply.

    We operate as a Financial Advice Provider under a current licence issued by the Financial Markets Authority in the name of NZ Financial Services Group Limited (FSP286965). There are no conditions attached to this licence on the advice that may be given. Bradley Associates 1998 Limited T/A Luminate Financial Group FSPR number 765531. Read our disclosure for more information.

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