This One Move Could Unlock Thousands by December

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Be Better With Money

Feeling the financial squeeze? You’re not alone. Many households are finding it harder to keep up with rising costs – and with Christmas only a couple of months away, the pressure is starting to build.

But what if one simple, smarter move today could free up $1,000, $3,000, or even $5,000 in breathing space between now and Christmas – without taking on a second job or tightening your belt?
That’s exactly what many Loansmart clients have done.

They’ve restructured their loans, simplified their repayments, and unlocked real cash relief — fast.

Why A Smarter Loan Could Change Everything

At Loansmart, we don’t just arrange loans — we help our clients find smarter solutions that improve financial wellbeing and set them up for success.

Every recommendation we make is designed to create clarity, confidence, and long-term relief, not short-term fixes.

We draw on a wide network of trusted New Zealand lenders to match every client with the right loan structure for their unique situation — whether that’s reducing repayments, consolidating multiple debts, or creating a little extra breathing room.

That’s what smarter lending looks like.

Real Clients, Real Savings

Client	Situation / Strategy	Weekly Saving	Total Saved by Xmas (12 weeks)
Emma	Consolidated $40K in arrears, saved her home & cut costs	$100	$1,200
Sophie	Cleared 4 loans + gained $4,500 extra cash	$150	$1,800
Dale & Jenny	Restructured $72K debt into one manageable loan	$275	$3,300
Shaun	Replaced high-interest $43K loan	$840	$10,080
Maria	Cleared Afterpay + funded family renovation abroad	$120	$1,440
Lucy	Slashed nearly 30% credit card interest in half	$150	$1,800

These are real people – facing real financial challenges – who discovered that a smarter structure can change everything.

Read all their stories on our Success Stories page.

What Could Your Restructuring Strategy Do for You?

Weekly Saving	Extra Cash by Christmas (12 weeks)	What That Could Cover
$100/week	$1,200	Groceries, Xmas gifts
$250/week	$3,000	Flights, gifts, food
$400+/week	$5,000+	Big reset, full relief

Every client’s numbers differ – your outcome depends on your current loans, interest rates, and repayment structure.

But the principle stays the same: a smarter loan can save you thousands before Christmas.

👉 Curious what your number could be?

Start your free Loan Assessment.

Why Act Now, Not Later

School holidays, travel, gifts, and food — it all adds up quickly.

By restructuring your loans before summer, you can stay ahead of the costs and enjoy the holidays with confidence instead of stress.

It’s not about borrowing more — it’s about borrowing better.

Why Kiwis Trust Loansmart

At Loansmart, we’re not just loan brokers — we’re licensed Financial Advisors who are legally and ethically committed to acting in your best interests.

As proud members of the Financial Services Federation (FSF) — New Zealand’s leading body for responsible lenders — we adhere to the highest standards of integrity, transparency, and consumer care.

“As members of the Financial Services Federation, Loansmart is committed to the highest standards of responsible lending and integrity. FSF membership gives us access to regulatory guidance, training, and best practice frameworks, ensuring our advice remains compliant, transparent, and in your best interests.”

“FSF members commit to strong consumer protections, compliance with relevant legislation, and publicly affirm that credit advice must be suitable and affordable — not just another product sale.”

This means our clients can trust that every solution we offer is guided by expert oversight, ethical principles, and a genuine desire to improve financial well-being.

When you work with Loansmart, you’re backed by a regulated, ethical, and experienced team that believes in doing what’s right — not just what’s easy.