Last Updated: February 10, 2026
Welcome to Loanie (loanie.co.nz). This website is a digital mortgage gateway designed to simplify the start of your home loan journey.
1. Our Role: The Digital Gateway
Loanie is a digital platform and trading name. It is not a financial advice provider. All financial advice services, credit assessments, and bank submissions initiated through this platform are provided exclusively by Plaxo Mortgages Limited.
2. Licensing & Backing
Plaxo Mortgages Limited (FSP769518) is the legal entity responsible for the advice you receive.
- Licensing: Plaxo is an Authorised Body under the Financial Advice Provider (FAP) license of Finsure New Zealand Limited (FSP1005389).
- Regulation: We are regulated by the Financial Markets Authority (FMA).
3. Nature of Information on This Site
The tools, calculators, and indicative rates displayed on Loanie.co.nz are for general information purposes only.
- They do not constitute personalized financial advice.
- A formal recommendation will only be provided after you have consulted with a licensed advisor from the Plaxo team.
4. Fees & Referral Transparency
- No Fees for Users: Using the Loanie platform to inquire or apply is free of charge for borrowers.
- Commissions: If your loan settles, the lender pays a commission to Plaxo Mortgages.
- Referral Rewards: We operate a Partner Circle program. If you were referred to us, your referrer may be eligible for brand rewards or entry into our lucky draws. These incentives are part of our marketing budget and do not influence the interest rates or loan products recommended to you.
5. Professional Duties
When you transition from this website to an advisor consultation, our team is legally bound to:
- Prioritise your interests.
- Exercise care, diligence, and skill.
- Meet the ethical standards set by the NZ Code of Professional Conduct.
6. What if something goes wrong?
If you are unhappy with our platform or the advice provided by our team, please contact:
- Email: [email protected]
- External Dispute Resolution: If we cannot resolve your issue, you can contact FSCL (Financial Services Complaints Ltd) at 0800 347 257 . This is a free and independent service.
Trademark Notice: "Loanie" and its associated logos are trademarks of Plaxo mortgages limited, used under license by Plaxo Mortgages Limited.