Karen Smart

Business Owner

Karen has been with NZHL in the Wellington Region since 2007. She was introduced to the company by a friend who thought her skills, personality and previous experience working with another home loan and insurance provider would be a perfect fit, and they were 100% correct.

Since then, Karen has won five NZHL awards for sales and service, including being ranked number two client servicing consultant in 2011 (her first 12 months in that role) and being in the top ten consultants the following year.  Working in administration and client servicing before moving into business ownership in 2012, has given Karen a strong understanding of the needs of both new and existing clients. Early on Karen learnt benefits of using NZHL when she became a client herself and shaved nine years off her own home loan

Karen is passionate about the relationships she builds with NZHL clients, many who are now friends. Helping clients take charge of their financial future, being a financial coach for their home loans, and protecting the progress they make with the personal insurance are all part of what she loves about the job.

Karen has lived in the Hutt Valley for 30 years, during which time she has got married, started a family and put down deep roots in the community. Being a parent saw Karen involved in and supporting the usual school and sports activities, but through NZHL she is also a local sponsor of Heart Kids and the Child Cancer Foundation. Karen is also an active member of the Hutt Valley Chamber of Commerce and Venus Network and enjoys travel new experiences.


A disclosure statement is available on request at no charge by emailing me.

Physical Address:

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

10 Years Service Award

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

Get in touch with Karen