Get up to
$4,500 to make moving simple!

No early settlement fees.
No minimum term.
Agent or Private.

How much is your rent?

  • BOND$1,120
  • TOTAL = 1,722
With MoveSMART pay only
$17.64 / week

Accepted by all rental agencies

Lending criteria, terms and conditions apply. Estimated repayments are calculated over 3 years and include a $195 application fee. Maximum loan is $4,500.*Moving Costs are estimated, are paid to you directly, and can be used for anything (like furniture removal).

Get your bond refunded and pay us back with no penalty!

A great rate from 16.99% p.a. fixed for the term of the loan.

No security needed with up to 3 years to pay.

Lending criteria, terms and conditions apply. Interest rates subject to profile and range from 16.99% to 24.99%. An application fee of $195 to $395 is added to the loan amount depending on loan size.

Have the confidence of being cash ready when applying for a tenancy.

  • Pay it back early with no penalty.
  • Need a little more money? Top-ups are available.
  • Have money available to fix any issues with your old rental – like steam cleaning the carpet.

We’ll sort the rest too.

On top of Bond and Advance Rent, MoveSMART sorts your moving costs too! Furniture truck? Storage? The broken letter box? Sorted. With MoveSMART, moving just got easier.

Accepted by all landlords and agents.

We pay the bond and advance rent (if any) directly to your landlord and the balance (if any) direct to you to help with the move!

  • Your finances are sorted
  • Same day payments
  • Split between flatmates
  • You’re ready to go

You’re covered.

Unique Credit Indemnity Insurance that not only makes your loan payments but also your rent. If you suffer a financial loss you can relax knowing we have you covered. Full details >


  • Can I use MoveSMART for a private rental?

    Yes, either through a private landlord or Property Manager. We will pay the amount shown on the Tenancy Agreement direct to your landlord.

  • Who can apply?

    Provided you are over the age of 22, working, have acceptable credit and a Citizen or Permanent Resident of NZ then you may qualify for MoveSMART.

  • Where do you pay the money?

    For the bond, advance rent and letting fee (if any) we pay this directly to your landlord. For anything else we pay the money directly to you.

  • What are your interest rates and fees?

    The establishment fee ranges from $195 to $395 depending on the size of the loan. A one off PPSR check of $10.35 and a weekly administration fee of $2.00.

    There is not fee to make lump sum payments or to settle your loan early

    Interest rates range from 16.99% p.a. to 24.99% p.a. depending on your credit profile

  • Can I get pre-approved?

    Absolutely, we encourage this. It makes it easier to say yes to a property when you know you have money ready to go. An approval lasts 30 days. You just need to know approximately what your new rent will be and how many parties to the new Tenancy Agreement

  • Do all tenants shown on the Tenancy Agreement need to be on the loan?

    Not at all, only one of you needs to be on the loan. However, that person is responsible for the loan repayments.

  • How does it work if a group of flatmates?

    The tenants that want to use MoveSMART can apply individually and will be responsible for their portion of the bond. It can also be a mix of some using MoveSMART and some paying cash. MoveSMART does not have to be used for the full bond.

  • Can I use MoveSMART if on WINZ

    Sorry, not at this time. MoveSMART is designed for tenants who have full-time or permanent part-time employment for more than 6 months.

  • Can I apply for MoveSMART if I have bad credit

    Your credit profile needs to be reasonable - a couple of paid glitches is still OK - Our system will let you know if approved in 60 seconds

Lightning Speed Decisions.
100% Digital.

  • 1

    Apply Online. It's 100% digital, and you can track your application 24/7.

  • 2

    Send us your Tenancy Agreement.This can be an email from your new landlord once you are approved for your new rental - showing us the move in costs and new address.

  • 3

    Sign your Loan Agreements. You can do this from any device, including your mobile.

  • 4

    We Transfer the Money. Bond and Advance Rent goes to your new landlord overnight and the balance is paid direct to you (if this is what you requested).


Get Started..

I’m still looking We’ll flick you an email with everything
you need for when you’re ready


Find out more here

MoveSMART is fast, easy finance for tenants who prefer not to use their savings to move house, or are waiting for their bond to be refunded. MoveSMART is the perfect bridging loan with competitive interest, no early settlement fees, no pre-paid losses and no minimum term.

For the Landlord, the only difference is that we pay the tenants move in costs directly to you. If there are multiple parties to the Tenancy Agreement, then this may be split into several deposits.

Want to learn more?
We can flick you an email with more info:

  • movesmart-new-tenants
  • movesmart-new-rental