Meet Karen, your local adviser
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 offers personalised advice – and focuses on building relationships with her clients to help them take control of their financial future alongside sensible insurance protection.
Since 2007, Karen has won five NZHL awards for sales and service, her most recent NZHL award as the 2023 NZHL Financial Freedom Champion.
A disclosure statement is available on request.
Financial Freedom. Faster.
Physical Address:
Chamber of Commerce House, Level 3, Harbour City 15 Daly Street, Lower Hutt 5010
Phone: 04 979 9155
Mobile: 027 470 1122
Email: [email protected]
Get in touch with Karen
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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
"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
"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
"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"