“

Incredibly grateful to Loansmart for going above and beyond for our family. We love our new home and we wouldn’t have achieved it without your guidance and hard work.”

- Aisake

We Make It Easy

Rates From 8.95%*

We Say Yes More Often

Smarter Loans >>> Faster

Home Loans

Bank alternative home loans
More options tailored to you
Experienced Loan Consultants that work hard for you

After many years of helping clients obtain home loans, we know all the avenues to mortgage finance. No matter what type of home loan requirement you have, we can help!

Our team will take away the stress of applying for a mortgage and save you time by managing the process for you. We tailor solutions to fit your circumstances. Best of all, we make it as easy as we can.

Applied elsewhere but been declined?

We may be able to help. There isn’t a lending situation we haven’t encountered before and we can find solutions for most. Loansmart can provide more options than other lenders. With more options, you have more chance of getting your loan approved.

We also provide non-bank lending if you do not meet typical banking criteria like:

Having a smaller deposit
Having something flagged on your credit report
Purchasing a property that’s a little out of the ordinary

Our team takes the time to listen and understand what you’re trying to achieve. Then we work out a plan to help you get there.

Get a fairer deal, faster from a professional team that cares

Once you’ve applied for a loan with Loansmart, you can sit back and let us take care of the process for you. We keep you in the loop and work fast, so you get your loan approved sooner.

Let’s Talk

Talk to us now, even if you haven’t started looking around for a home yet. In fact, that’s the best time to talk about finance, because your Loansmart Consultant will let you know exactly how much you can spend before you start.

For your first or next mortgage call us today on 0800 255 155.

Why Loansmart

We say yes more often

Applied elsewhere but been declined? Loansmart provides more options than other lenders. With more options, you have more chances of getting your loan approved.

More options tailored for you

Pay down debt faster and more affordably with lower fees and interest rates. Don’t pay more than you need to and get more options.

Interest rates from 8.95%*

*Subject to credit criteria and the credit profile of the applicant. Rates range from 8.95% - 29.95%.

Longer repayment options

From 6 months to 10 years; up to 5 years for unsecured loans and 10 years for secured loans.

Faster approval process

Provide us with photo ID and access to your bank statements online, and your loan can be approved in just 1 - 2 hours*

Same day payment*

If you e-sign your loan documents by 3pm on a business day, we’ll deposit funds in your account the same day. Depending on your bank, you’ll receive cash that day or the next morning.

100% easy, online process

No need to print, scan or upload statements. We simply send you a secure link that authorises us to view your statements online.

Borrow up to $30,000 unsecured and up to $100,000 secured

Borrow between $1,500 to $30,000 without having to provide security. Loans of up to $100,000 can be secured using a caveat or second mortgage. We can also use vehicles as security, so long as they’re in good condition.