Our Harbour City Mortgage Advisors

Reach financial freedom, faster with a trusted NZHL Mortgage Mentor on your side.

Harbour City

Located in Lower Hutt Central, our Harbour City store is the perfect place to go if you want to talk to someone about home loans or mortgage refinancing for property in the Harbour City area. Feel free to come in… Read More

Located in Lower Hutt Central, our Harbour City store is the perfect place to go if you want to talk to someone about home loans or mortgage refinancing for property in the Harbour City area. Feel free to come in and speak with us face to face, or if you’d prefer to get some quick numbers, take a look at our online mortgage affordability calculator, and find out how much you could be saving.

We can also help you protect yourself and your financial freedom with personally tailored insurance. Your consultation will include options that focus you and your needs, and it’s all obligation-free.

If you’d like to chat before you come in, feel free to contact us using the details below.

Office Contact Information

  • Physical Address:

    Chamber of Commerce House, Level 3, Harbour City 15 Daly Street, Lower Hutt 5010

  • Postal Address:

    PO Box 31329, Lower Hutt 5040

  • Email:

    [email protected]

  • Phone:

    04 979 9155

Our Team

Karen Smart

Business Owner

Phone: 04 979 9155

Mobile: 027 470 1122

Email: [email protected]

Long-time business owner Karen Smart is passionate about helping her local Wellington community on their journey to financial freedom. Whether it's your first home, second, or rental, Karen….

Vicki Lakomy

Client Servicing Consultant

Email: [email protected]

Vicki comes from a banking background where she worked as a teller and specialised in mobile support for 15 years. Currently, Vicki is an independent contractor looking after….

In our customers' words

"We met Karen Smart of NZHL five years ago, with ease Karen become our go to confident and money managing expert. (Easily for us but I’m sure at times Karen was ready to pull her hair out with our slackness with returning paper work!) But since then she has helped…" Read More

"We met Karen Smart of NZHL five years ago, with ease Karen become our go to confident and money managing expert. (Easily for us but I’m sure at times Karen was ready to pull her hair out with our slackness with returning paper work!) But since then she has helped us in many ways! Occasionally Karen knew we needed a nudge to get “back on track” and would guide us and inform us of changes coming up, or the need to address our mortgages & insurances. She also makes a much needed great coffee when at her office. Obviously over these years Karen has watched our family grow and always asks after our children and genuinely shows an interest in us. Karen is a true asset to NZHL, we absolutely recommend her to our friends when they mention time to refinance. Brad’s version……..”She’s pretty good at that money stuff”"

Brad & Bridget
Wellington

In our customers' words

"When we were purchasing our property we were so thankful to have chosen the Lower Hutt team of New Zealand Home Loans for our mortgage. They have such a friendly, personal service and go out of their way to help you through the purchasing process. When working through the loan…" Read More

"When we were purchasing our property we were so thankful to have chosen the Lower Hutt team of New Zealand Home Loans for our mortgage. They have such a friendly, personal service and go out of their way to help you through the purchasing process. When working through the loan structure options Karen offered very sensible, clear and friendly advice, making sure that we understood all along the way. When it came time to transfer the funds for the property we felt like New Zealand Home Loans were investing with us, and were working in our best interests to make sure we had everything in place for the transaction. With all the complexity that can be involved in a property purchase, we really feel that New Zealand Home Loans offers a fantastic service"

Bruce & Susan
Wellington

In our customers' words

"We’ve been with NZHL for over 10 years and we have made serious inroads to our mortgage. We’ve had multiple mortgage loan accounts which are on different interest rates for different terms so we’ve never had to refix the whole amount at once. At one point we had all five…" Read More

"We’ve been with NZHL for over 10 years and we have made serious inroads to our mortgage. We’ve had multiple mortgage loan accounts which are on different interest rates for different terms so we’ve never had to refix the whole amount at once. At one point we had all five loan accounts fixed at under 3% so when the rates started to rise we were able to stagger the increases. I would highly recommend NZHL to anyone as we’ve had excellent customer service all round. "

Diana
Wellington

Get in touch with the Harbour City Team

Compare how much NZHL could save you on your mortgage

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More Mortgage Mentors in Wellington

Looking for a Mortgage Mentor closer to home? We have offices throughout Wellington.