Auckland Loans


Auckland Loans is a Finance Broker, but in certain circumstances will lend money through its parent company / owner – Loansmart Limited.

Your Finance Consultant will advise you if your loan is with Loansmart or if it is being brokered to another company. If your loan is brokered to another company we will advise you of the fees, interest rate and payments prior to your loan being drawn down. These rates and fees vary from Company to Company but currently start at 8.95%.

If your loan is with Loansmart the following will apply

1- Interest rates start from 8.95% and are fixed for the term of the loan.
2- An Establishment Fee will be charged on each new loan. Our current Establishment Fees applied to new consumer loans are as follows:

$1,000 – $4,999 No more than $295
$5,000– $9,999 No more than $395
$10,000 or greater No more than $495

3- An Administration Fee is charged to your account each month that your account has a balance. The Administration Fee will be no more than $3.50 per week.
4- If your loan falls into arrears you will be charged the following Default Fees

If the Loan arrears are less than $500 $5 per week
If the loan arrears are more than $500 but less than $1,000 $10 per week
If the loan arrears are greater than $1,000 $15 per week

Caveat Fee

Caveat Fee $460 maximum fee.

Where a loan is secured by a Caveat/agreement to the mortgage we will register a caveat over the property. Caveat registration costs will be charged on the Loan Agreement and release costs will be charged to the loan at settlement. The maximum amount charged will be $460 for each property.

To view our Terms & Conditions including a schedule of our fee’s and charges, please click here to see full Loansmart Terms & Conditions.

To view our Loan Agreement please click on the following Loansmart Loan Agreement.

Other websites that can assist you with borrowing money:

If you have any queries with regards to the above, please contact us on 0800 323 130 or email