Our Canterbury Metro Mortgage Advisors
Reach financial freedom, faster with a trusted NZHL Mortgage Mentor on your side.
Canterbury Metro
Emm and Terry McCartney bring a combined 48 years of experience in the financial industry to NZHL Canterbury Metro. Emm is currently in her 21st year, and Terry is in his 17th year with NZHL. Together, they founded NZHL Canterbury… Read More
Emm and Terry McCartney bring a combined 48 years of experience in the financial industry to NZHL Canterbury Metro. Emm is currently in her 21st year, and Terry is in his 17th year with NZHL.
Together, they founded NZHL Canterbury Metro in July 2011 with a clear mission: to help and enrich the lives of Canterbury people by guiding them toward financial control, long-term security, and mortgage freedom — all while maintaining their lifestyles.
In 2024, NZHL Canterbury Metro celebrated a remarkable milestone: at least one client became mortgage-free every month. In a country where the percentage of individuals who set and achieve financial goals remains low, NZHL’s personalised coaching and support are helping to shift the narrative and improve outcomes.
The team’s focus is always on the client, from the first point of contact through to the achievement of financial goals and long-term well-being. Their commitment to delivering exceptional service and support has earned them numerous accolades, including:
- 2025 Freedom Award – for the highest number of mortgage-free clients nationwide
- Number One Business Owner – awarded to Emm in 2020, 2021, 2023, 2024, and again in 2025
- Freedom Champion Award (2022) – recognising Emm’s dedication to helping clients become mortgage-free
- Chairman’s Award – honouring Emm’s outstanding service to clients, colleagues, and the NZHL brand
- Top South Island Net Promoter Score Award – with a score of 70, significantly outperforming other financial providers
- Net Promoter Score Increase – rising to 78, with an overall client satisfaction score of 91%
- Rookie of the Year – awarded to both Zander and Terry in their first year at NZHL
- Top Office Awards – received in 2013/2014, 2014/2015, and 2015/2016
- Six Years of Top Servicing Awards
Beyond client service, NZHL Canterbury Metro is deeply committed to supporting the wider community. Their charitable efforts include ongoing support for the NZ Foundation of Conductive Education, Ronald McDonald House, and the Cancer Society — reflecting their belief in giving back and making a meaningful impact.
Office Contact Information
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Physical Address:
Unit E/359 Lincoln Road, Addington, Christchurch 8024
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Postal Address:
PO Box 3977, Christchurch 8140
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Email:
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Phone:
Our Team
Celebrating 10 Years And The Successes Of Our Clients
NZHL Canterbury Metro is celebrating 10 years in business this year. Watch Emm and Terry talk about earthquakes, the love of our clients, saving them $11.4m in interest, paying out over $7m in insurance claims and what’s on the agenda for the next 10 years. Plus hear directly from some of our amazing clients too.
In our clients' words
"With our current sale and purchase going on it occurred to us that this year marks our 10 year anniversary dealing with you and New Zealand Home Loans. In that period of time, we have bought and sold three houses and now processing the fourth. One of the key points…" Read More
"With our current sale and purchase going on it occurred to us that this year marks our 10 year anniversary dealing with you and New Zealand Home Loans. In that period of time, we have bought and sold three houses and now processing the fourth. One of the key points that we have noted in dealing with you in that time, is that you make the financial process extremely stress free and are able to simplify the ‘financial speak’ so that the common people like ourselves, can understand it clearly. As you know, we regularly refer family and friends to you and many of them are now your clients and we are able to do this with confidence that they will be advised well. We are so pleased for both you and Terry branching out into your own business and this is just to let you know that we will continue supporting you as clients in the future. Looking forward to another ten years"
Paul & Tracey B
Canterbury
In our clients' words
"We moved to New Zealand Home Loans in approximately 2008. Without changing our lifestyle we have made more head way in paying off the mortgage than in the whole time we were with the “traditional bank”. The service we have had has been first class, nothing is ever a problem.…" Read More
"We moved to New Zealand Home Loans in approximately 2008. Without changing our lifestyle we have made more head way in paying off the mortgage than in the whole time we were with the “traditional bank”. The service we have had has been first class, nothing is ever a problem. The annual reviews are great as you can see how you are tracking. Emm has always been willing to help out where she can weather it be sorting out insurance paperwork and going into bat for her clients or recommending accountants, property managers and valuers etc. nothing is ever a problem. She is only ever a phone call or an email away. We are currently building and Emm was only too happy to spend the time going over a range of scenarios with us such as selling, or renting out our current house. She spent hours going over all the figures with us to ensure we were comfortable with going ahead with the build and making different suggestions as to make “our dream” work. I guess we can sum it up when it’s the only place that our children are happy to go to a meeting, in fact when they find out we have a meeting the first question asked “is it at Emm’s place?” The support that Emm and Terry has given our local football club show their commitment to their local community. The service we get from New Zealand Home Loans we never received from our bank. You’ve become part of the family and new home."
Janelle & Rhys Henderson
Canterbury
In our clients' words
"They are fantastic at what they do and has made us work harder on achieving our goals that we have set. Emm always makes us feel good about how we are going, even when sometimes we go off track on our budgeting, and she’s always supportive and has solutions"
"They are fantastic at what they do and has made us work harder on achieving our goals that we have set. Emm always makes us feel good about how we are going, even when sometimes we go off track on our budgeting, and she’s always supportive and has solutions"
Natasha W & Nigel B
Canterbury
In our clients' words
"I went to three banks, and then a mortgage broker and they all rejected my loan application. A friend recommended New Zealand Home Loans and suggested they were different. They listened to my unique situation, and took into account factors that the banks rejected. They said yes and that started…" Read More
"I went to three banks, and then a mortgage broker and they all rejected my loan application. A friend recommended New Zealand Home Loans and suggested they were different. They listened to my unique situation, and took into account factors that the banks rejected. They said yes and that started a long term relationship. Now I am rebuilding my house and again the team at the Canterbury Metro branch have listened and shared my vision. We are about to refinance and again, they have made the process painless and stress free, keeping me informed of my position and giving me options, and guiding me. Always I feel like they want me as a client, and they tell me when I could do something better to save money. They work through different scenarios and suggest options and that gives me total confidence in them. When the new house is finished, Emm and the team will be the first on the invite list!"
Neal B
Canterbury
In our clients' words
"We, Praveen and Keshni Lata Kumar have been New Zealand Home Loan clients for the last 9 years. Emm McCartney manages our portfolio. Having had no prior in-depth experience and knowledge on financial management, refinancing and management of mortgages to achieve financial freedom in a shorter time frame than that…" Read More
"We, Praveen and Keshni Lata Kumar have been New Zealand Home Loan clients for the last 9 years. Emm McCartney manages our portfolio. Having had no prior in-depth experience and knowledge on financial management, refinancing and management of mortgages to achieve financial freedom in a shorter time frame than that possible with conventional banks, we made the decision to take the step to place our future and our finances in the hands of New Zealand Home Loans and see where they, and Emm in particular took us. Well, upon joining New Zealand Home Loans, both Keshni and I were completely blown away and utterly impressed by the professionalism, knowledge and personal touch of our advisor Emm in setting up our financial portfolio. Emm was there to assist us and see us through every step of the way when dealing with our solicitor, accountant and her lending team. Through her advice and guidance, we have never looked back ever since and are really proud to say that we are well on our way to financial freedom- we now own two properties, one of which is a rental property. Our own residence will be free of mortgage in about three years, which would not have been possible at all had we still been with a bank. After Emm set up her own franchise of New Zealand Home Loans, we had to wait one year before we could transfer over under her umbrella once again, which we did as soon as one year passed- we would not have it any other way or anyone else to look after us, we have complete faith and trust in her, and by the way, we also enjoy her company, her sense of humour and her personality (along with her manicured nails). It is an absolute pleasure to have a Client Services Advisor like Emily Langridge, and we would like to wish her all the very best."
Praveen & Keshni K
Canterbury
In our clients' words
"We started our mortgage with NZHL in 2001, and have found it the most satisfying financial experience ever, with constant catch-ups and information shared. When Emm picked up our account in 2010, and our mortgage really started to reduce, we were so grateful for her constant enthusiasm and encouragement, even…" Read More
"We started our mortgage with NZHL in 2001, and have found it the most satisfying financial experience ever, with constant catch-ups and information shared. When Emm picked up our account in 2010, and our mortgage really started to reduce, we were so grateful for her constant enthusiasm and encouragement, even when we occasionally went ‘off-budget’. We would never have been debt-free in this time without an NZHL account and her on-going guidance. Emm is a consummate advocate for NZHL, and is seriously valuable resource to anyone wanting an efficient mortgage plan."
Rob & Frances
Canterbury
In our clients' words
"We are doing Awesome, we care changed propel who have a big fat green line on our graph and proud of it! Our new plan is easy to stick too and it gives us the freedom from worrying about how we are tracking, because we can see we are tracking…" Read More
"We are doing Awesome, we care changed propel who have a big fat green line on our graph and proud of it! Our new plan is easy to stick too and it gives us the freedom from worrying about how we are tracking, because we can see we are tracking great guns. Loving it babe, can’t thank you enough for all the time you spent with me to sort out our lives."
Katrina M
Canterbury
In our clients' words
"Emm and Terry have been amazing to work with. They each bring individual skill sets that give us complete confidence in having our home loan with NZHL Canterbury Metro. I thought we had a good understanding of our financial situation until we spent 30 minutes with Terry, who enlightened my…" Read More
"Emm and Terry have been amazing to work with. They each bring individual skill sets that give us complete confidence in having our home loan with NZHL Canterbury Metro. I thought we had a good understanding of our financial situation until we spent 30 minutes with Terry, who enlightened my wife Katherine and I to a better way planning, controlling and achieving our financial goals. I have recommended NZHL to several of my friends and family with every confidence they will receive the same fantastic service and results Katherine and I have received. Spending 30 minutes with the team could save you thousands of dollars and unlock years of debt free options."
Katherine & Gary Wooddin
Canterbury
In our clients' words
"Is anyone looking at how to pay off their mortgage quicker using a smarter system that helps you pay more off your principal and less on your interest each month? We’ve knocked our mortgage down from 30 years to a 7 year plan with their help."
"Is anyone looking at how to pay off their mortgage quicker using a smarter system that helps you pay more off your principal and less on your interest each month? We’ve knocked our mortgage down from 30 years to a 7 year plan with their help."
Angel C
Canterbury
In our clients' words
"About a year ago my husband and I were starting to feel a bit hopeless with how our home loan was going and were starting to feel we would have our mortgage for many years to come . We had always been quite good at budgeting and not to wasteful…" Read More
"About a year ago my husband and I were starting to feel a bit hopeless with how our home loan was going and were starting to feel we would have our mortgage for many years to come . We had always been quite good at budgeting and not to wasteful with our hard earned money but our mortgage just seemed to not move fast. We decided to contact our adviser for some help to see where we were going wrong. Emm McCartney was brilliant she went through our whole budget with me using the debt nav and creating a plan for us. She then asked to meet in 1 months’ time to check how we were going with the budget and to show us with our surplus how to flush out of our working account and pay off a smaller amount in another account with the surplus money. Emm would make appointments with us at the beginning of each month for an ongoing 3 months to keep in touch and keep us accountable to our commitment to wanting to become debt free sooner than later. We have just had our 9 month catch up with her so 1 year on from where we were and we have beaten our target. Emm has relooked at how we are now doing and if we carry on the same we will be debt free in less than 3 years. Whoo. Emm asked us did we feel we had sacrifice much in the year through our new budget and we can honestly say we haven’t and what we really noticed was in our relationship we weren’t arguing over not seeing the mortgage going down anymore instead we were rejoicing every month and are a lot happier. Less debt definitely makes you happier. We are so wrapped with our adviser and the amount of time she has put into us. We had been with nzhl for over 8 years and yet Emm still gave us so much of her time as if we were new clients She definitely wanted to see nzhl work for us and debt nav is such a great tool. We just can’t thank nzhl enough."
Christine & Andrew T
Canterbury
In our clients' words
"Emm is without doubt, outstanding at what she does. She works beside us and walks our life to make the home loan work for us. We are blown away by her knowledge, expertise and energy to help. She cares and delivers to a personal level and provides an exceptional service…" Read More
"Emm is without doubt, outstanding at what she does. She works beside us and walks our life to make the home loan work for us. We are blown away by her knowledge, expertise and energy to help. She cares and delivers to a personal level and provides an exceptional service we feel so thankful to have found. Our home loan will be gone within years instead of a lifetime thanks to Emm!"
Hannah & Brad
Canterbury
In our clients' words
"I don't know if this is normal service for a business, but I can honestly say thank you so much! I am so pleased with the service I have received from both Jess and Emm and the rest of the team. You guys are so efficient, and communication is bang-on!…" Read More
"I don't know if this is normal service for a business, but I can honestly say thank you so much! I am so pleased with the service I have received from both Jess and Emm and the rest of the team. You guys are so efficient, and communication is bang-on! Keep up the amazing work you are doing. Again, thank you. "
Rianna
Canterbury
In our clients' words
"Our consultant Emm was (and continues to be!) an incredible source of straightforward advice and support. She worked hard to secure financing that met our circumstances and we feel she genuinely cares about helping us reach our financial goals. We couldn't recommend NZHL enough, especially to those who aren't well…" Read More
"Our consultant Emm was (and continues to be!) an incredible source of straightforward advice and support. She worked hard to secure financing that met our circumstances and we feel she genuinely cares about helping us reach our financial goals. We couldn't recommend NZHL enough, especially to those who aren't well served by the major banks. "
Alex
Canterbury
In our clients' words
"We have been clients of NZHL Canterbury Metro (Emm McCartney), for several years and I can tell you that it has changed our lives. We were on the verge of losing our property but thanks to Emm and her team she saved us from losing our home and put us…" Read More
"We have been clients of NZHL Canterbury Metro (Emm McCartney), for several years and I can tell you that it has changed our lives. We were on the verge of losing our property but thanks to Emm and her team she saved us from losing our home and put us on track to start saving and pay off our mortgage faster. We will be forever be grateful "
Vickie
Canterbury
In our clients' words
"What can I say? My experience with NZHL has always been positive. My consultant is absolutely amazing! The way Emm explains everything makes perfect sense to be an NZHL client. Being able to buy another property when I separated from my husband was such a relief, especially when I was…" Read More
"What can I say? My experience with NZHL has always been positive. My consultant is absolutely amazing! The way Emm explains everything makes perfect sense to be an NZHL client. Being able to buy another property when I separated from my husband was such a relief, especially when I was feeling I wouldnt be able to achieve this and was worried about my two children. Since then I am well on my way in achieving my goals and being mortgage free in a shorter time frame. Love NZHL. "
Abi
Canterbury
In our clients' words
"When we first moved to NZHL, we had a meeting with our adviser who completely turned our financial lives around. She gave us feedback and strategies which helped us set and achieve our goals. And now we will be mortgage-free by Christmas!"
"When we first moved to NZHL, we had a meeting with our adviser who completely turned our financial lives around. She gave us feedback and strategies which helped us set and achieve our goals. And now we will be mortgage-free by Christmas! "
Jody
Canterbury
In our clients' words
"Through a stressful process Emm has been an amazingly steady and calm supporter. Her knowledge and guidance was invaluable in sorting out the right mortgage for us at the right time."
"Through a stressful process Emm has been an amazingly steady and calm supporter. Her knowledge and guidance was invaluable in sorting out the right mortgage for us at the right time. "
Alison
Canterbury
In our clients' words
"NZHL are amazing. They offered great service and support while going through one of the most difficult times in my life. Nothing is ever a problem and Emm always has time for me. I would recommend them to anyone."
"NZHL are amazing. They offered great service and support while going through one of the most difficult times in my life. Nothing is ever a problem and Emm always has time for me. I would recommend them to anyone. "
Katie
Canterbury
In our clients' words
"When we first moved to NZHL, we had a meeting with our adviser who completely turned our financial lives around. She gave us feedback and strategies which helped us set and achieve our goals. And now we will be mortgage-free by Christmas!"
"When we first moved to NZHL, we had a meeting with our adviser who completely turned our financial lives around. She gave us feedback and strategies which helped us set and achieve our goals. And now we will be mortgage-free by Christmas! "
Jody
Canterbury
In our clients' words
"Emms has been brilliant. She goes above and beyond to engage with me, understand my needs, and support me to set strong financial goals. She is knowledgeable, personal, and has an incredible attitude. I would recommend Emm to anyone. I love the new DebtNav tool it provides a simple way…" Read More
"Emms has been brilliant. She goes above and beyond to engage with me, understand my needs, and support me to set strong financial goals. She is knowledgeable, personal, and has an incredible attitude. I would recommend Emm to anyone. I love the new DebtNav tool it provides a simple way for me to check in and keep me motivated to take a planned approach to my spending. "
Sara
Canterbury
In our clients' words
"It is great to see our mortgage rapidly reducing with our consultants help. The yearly catch ups are a huge help. Thank you"
"It is great to see our mortgage rapidly reducing with our consultants help. The yearly catch ups are a huge help. Thank you "
Karla
Canterbury
Get in touch with the Canterbury Metro Team
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