Smartlife Financial Solutions Limited

Financial Services Provider

★★★★★

5 Read 108 reviews on Google

Source: Google Business Profile. Reflects this firm's listing, not individual advisers.

Auckland

FSPR Registered

FSP Number: FSP691751

NZBN: 9429046308993

Team Size: 7 advisers

Verify on FSPR

About Smartlife Financial Solutions Limited

What is Smartlife Financial Solutions Limited?

Smartlife Financial Solutions Limited is a financial services provider, based in Auckland, with 6 years on the FSPR register, and 7 appointed advisers on file.

How is Smartlife Financial Solutions Limited regulated?

Smartlife Financial Solutions Limited is registered on the Financial Service Providers Register (FSPR)as FSP691751, with first registration in 2019. Disputes are handled by Financial Services Complaints Limited. Verify on the FSPR register at fsp-register.companiesoffice.govt.nz.

What does Smartlife Financial Solutions Limited offer?

Smartlife Financial Solutions Limited's Public Disclosure Statement lists the following scope of advice: Mortgages and personal loans, Life insurance, Health insurance, General and business insurance, KiwiSaver. Refer to the original PDS for the binding scope.

Public Disclosure Statement highlights

Full PDS section ↓

Extracted from Smartlife Financial Solutions Limited's PDS dated 2026-05-24 · HTML source. View original.

Fee structure: commission only
Commission: Yes
Dispute scheme: FSCL
Panel: 27 providers
Services: 4 named
FAQs: 4 answered
Linked docs: 1

Scope of advice

Mortgages and personal loans
Life insurance
Health insurance
General and business insurance
KiwiSaver

Contact Information

Phone

0800 767 853

Email

Not available

Website

smartlifefs.co.nz

Address

671 Richardson Road,Mount Roskill,Auckland,1041,New Zealand

About Smartlife Financial Solutions Limited

Company profile coming soon

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Public Disclosure Statement

27 providers on panel

Smartlife Financial Solutions Limited files a Public Disclosure Statement under FMC Act 2013 s431 · last ingested 2026-05-24 · source format HTML.

→ View Smartlife Financial Solutions Limited's original disclosure page · FA-NZ mirror (Markdown) · facts.json

Fee structure: commission only
Receives commission: Yes — disclosed in PDS
Dispute resolution scheme: FSCL
Scope of advice (verbatim from PDS): Mortgages and personal loans
Life insurance
Health insurance
General and business insurance
KiwiSaver
Specialties: Mortgages
Lending
Life Insurance
General Insurance
Health Insurance
Business Insurance
Kiwisaver

Hover any specialty to see its source. Self-attest takes priority; PDS-derived next; AI-classified last. For binding regulatory statements refer to the FAP's own current Public Disclosure Statement.

Distribution panel

Product providers Smartlife Financial Solutions Limited is appointed to distribute, grouped by product category. Counts show how many other NZ FAPs FA-NZ has on file as distributing the same provider.

Lending & Mortgages · 19

ANZ +38
BNZ +36
Westpac +35
ASB Bank +32
Avanti Finance +27
First Mortgage Trust +26
Southern Cross +25
Heartland Bank +24
SBS Bank +24
Pepper Money +22
DBR Property Finance +21
Unity Credit Union +9
Liberty Financial +8
The Co-operative Bank +7
Cressida +6
Sovereign +5
ASAP Finance Limited +4
Resimac +2
SELECT +1

KiwiSaver · 1

Generate KiwiSaver Scheme +1

Life & Health Insurance · 5

AIA +40
Partners Life +39
Fidelity Life +35
nib +23
Asteron Life +9

General Insurance · 1

AMP Insurance

Other products · 1

Tower Insurance +4

Verbatim quotes from Smartlife Financial Solutions Limited's PDS (5 fields cited)

Fees

“Generally, we will not charge you a fee or expenses for any financial advice we provide you. This is because we are paid by the lenders/insurers/KiwiSaver providers in the form of commission. The commission we receive from the product provider is not charged on top of their normal service or loan/insurance policy charges to you.”

Commission

“We generally receive an initial upfront commission, which ranges from **0.40% to 1.50%** of the loan amount. Some lenders also pay us a trail commission. This ranges between **0.10% to 0.30%** of the remaining loan balance each year.”

Product panel

“ANZ, Westpac, BNZ, ASB, ASAP Finance Limited, Avanti Finance, Cressida, DBR, First Mortgage Trust, Heartland Bank, Liberty Financial, NZCU, Pepper Money, RESIMAC, SBS Bank, SELECT, Southern Cross, Sovereign, The Cooperative Bank.”

Conflicts of interest

“To ensure that our financial advisers prioritise our clients' interests above their own, we follow an advice process that ensures our recommendations are made on the basis of each client's goals and circumstances. All our financial advisers undergo annual training about how to manage conflicts of interest.”

Scope of advice

“We can provide you with advice about the following products from the range of product providers specified below:”

Verbatim spans extracted from the source PDS dated 2026-05-24. Each quote was substring-verified against the original document; spans that failed verification were dropped. View source.

Services this firm offers

Named service offerings extracted from Smartlife Financial Solutions Limited's PDS. Names are verbatim from the source document; descriptions and fee notes are AI-summarised — refer to the original PDS for binding wording.

Mortgages and Personal Loans
Advisory

Financial advice on mortgages and personal loans from a panel of lenders including major NZ banks and specialist lenders.

Fees: No client fee; adviser receives upfront commission 0.40%–1.50% of loan amount, plus trail 0.10%–0.30% p.a.

For: retail
Personal Insurance Products
Advisory

Advice on life, health, disability and income protection insurance from selected insurers.

Fees: No client fee; commission paid by insurer: life 180–200% initial, 7.5–10% ongoing; health 30–140% initial, 7.5% ongoing.

For: retail
General and Business Insurance Products
Advisory

Advice on home, contents, vehicle, landlord protection and travel insurance via AMP Insurance and Tower Insurance referrals.

Fees: No client fee; commission paid by insurer. Specific rates not disclosed in this document.

For: retail
KiwiSaver
Advisory

Financial advice on KiwiSaver through the Generate KiwiSaver Scheme.

Fees: No client fee; commission paid by KiwiSaver provider. Specific rates not disclosed in this document.

For: retail

FAQs from this firm's PDS

Common consumer questions answered in Smartlife Financial Solutions Limited's Public Disclosure Statement. Answers are verbatim spans from the source document, substring-verified at extract time.

Will I be charged a fee for financial advice?

“Generally, we will not charge you a fee or expenses for any financial advice we provide you. This is because we are paid by the lenders/insurers/KiwiSaver providers in the form of commission. The commission we receive from the product provider is not charged on top of their normal service or loan/insurance policy charges to you.”

When might a cancellation fee apply for lending/mortgage advice?

“For whatever reason, you cancel your loan within 24–36 months after the loan is advanced (depending upon the lender). If this occurs, the product provider requires us to pay back the commission we received from the lender, on a sliding scale based upon the length of time you have the loan. If you cancel your loan within the cancellation fee time period, we will assess the amount you will need to pay at the time, and invoice this to you, based on what we are advised by the lender. The invoice must be paid within 15 days.”

When might a cancellation fee apply for insurance advice?

“For whatever reason the insurance policy is cancelled within 24 months of the commencement date of the policy. Whether a fee will be charged and the manner in which it will be charged will be advised when the advice is provided to the client. The invoice must be paid within 15 days.”

How are conflicts of interest managed?

“To ensure that our financial advisers prioritise our clients' interests above their own, we follow an advice process that ensures our recommendations are made on the basis of each client's goals and circumstances. All our financial advisers undergo annual training about how to manage conflicts of interest. We undertake a compliance audit, and a review of our compliance programme is undertaken annually by a reputable compliance adviser. We maintain registers of conflicts of interests, and the gifts and incentives we receive.”

Additional disclosure documents

Documents linked from Smartlife Financial Solutions Limited's PDS. URLs verified to appear in the source document at extract time; links may rot — verify with the firm before relying on a specific version.

Downloadable PDF version of this disclosure · Other disclosure

Notes: Facts and product panel are LLM-extracted from the source document (confidence tier B). Verbatim quote block above is Sonnet-extracted then substring-verified against the source markdown. For the authoritative wording, view the original disclosure above. FSPR register entry. FA-NZ is a directory mirror, not a regulator.