Achieve your goals,access tailoredfinancing.

Achieve financial success with our trusted expertise and tailored services.

13+
Years experience
5.0
Google rating
30+
Finance partners
  • Expert Help
  • Proven Results
  • Ongoing Support
Outstanding New Advice Business — Finalist · Kiwi Adviser Network 2026
Outstanding Advice Business (1–5) — Finalist · Kiwi Adviser Network 2026
Outstanding Mortgage Adviser (Metro) — Nominee · Kiwi Adviser Network 2026
The Smart Mortgage Services team
5.0 on Google
Rated on Google

Trusted by the lenders we work alongside

ANZ
ASB
BNZ
Westpac
Kiwibank
SBS
Avanti
ANZ
ASB
BNZ
Westpac
Kiwibank
SBS
Avanti
Why choose SMS Loans

Your financial goals are our top priority.

0+
Years in banking & finance
0.0
Google rating across 98 reviews
0+
Banks & lenders on our panel
Our services

Lending solutions tailored to your goals

Our lending panel

Backed by 30+ NZ lenders

We work with a wide range of major banks and lenders across New Zealand, giving you access to more options and competitive solutions.

Instead of being limited to one bank, we compare lenders to find the structure and terms that best suit your situation — whether you’re buying, refinancing, or investing.

Lenders we work with: ANZ, ASB, BNZ, Westpac, Kiwibank, Avanti, Basecorp, Bizcap, Co-operative Bank, CFML, Bank of China, Bluestone, China Construction Bank, Cressida Capital, DBR, Finbase, First Mortgage Trust, Funding Partners, Heartland, Liberty, Pepper Money, Plus Finance, Prospa, Resimac, SBS, AIA, Pallas Capital, Southern Cross Partners, Unity, ASAP Finance
Client stories

What our clients actually say

5.0on Google
Romy was professional, knowledgeable, and incredibly supportive throughout the entire process.
MM
Matheos Malkonyan
Google review
The team was professional, transparent, and incredibly helpful throughout the entire process.
RY
Ranveer Yadav
Google review
From day one, Romy was professional, approachable, and incredibly knowledgeable.
DS
Dilpreet Singh
Google review
Every step was clearly communicated and the entire process was smooth and stress free.
RR
Ravi Rana
Google review
They were knowledgeable, responsive, and took the time to clearly explain all my options.
RJ
Rohan Jalota
Google review
Mr Romy made the entire mortgage process smooth, stress free and easy to understand.
SP
Shalen Pratap
Google review
Romy was patient with our queries, proactive and clear about the process.
SR
Suman Roy
Google review
He guided me through every step of the mortgage process with clarity and patience.
KS
Karanveer Singh
Google review
From renewals to smart suggestions and even cashback opportunities, he takes care of it all.
JK
Jasmit Kakkar
Google review
He explained everything clearly, communicated quickly, and secured me a great rate.
HR
Harshit Rathod
Google review
His professionalism, expertise, and attention to detail stood out from the very beginning.
DS
Deep Sandhu
Google review
Romy makes it happen for my family after so many years of trying.
AM
Anthony Maglaque
Google review
Help centre

Questions,
answered.

Can't find what you're looking for? We'll talk you through it — no jargon, no obligation.

Typically required: proof of income (payslips, tax returns), proof of employment, bank statements, information on other debts, and identification documents. Additional documents may be needed based on your individual circumstances.

The approval process typically takes 5 to 7 working days, though this varies based on application completeness, document gathering time, and finance provider efficiency.

Fixed-term mortgages have set interest rates for specific periods (e.g. 1–2 years), ensuring predictable repayments. Floating-rate mortgages have variable rates that fluctuate with market conditions, affecting repayments over time.

We adhere to strict confidentiality protocols to safeguard all client information.

Ready to start your loan journey?

Apply online in minutes. No obligation, no pressure — just clear advice.