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 clients' words

"Thank you, Karen! Could not have done it without your help. You have been amazing! Cannot thank you enough."

"Thank you, Karen! Could not have done it without your help. You have been amazing! Cannot thank you enough. "

Matt & Sarah
Wellington

In our clients' words

"Karen is supportive, kind and smart, in fact she is the reason I managed to pay off my mortgage two years ago. She helped me structure my loan to pay it off faster because she truly cares and knows how to get you there. Karen helped me get a mortgage…" Read More

"Karen is supportive, kind and smart, in fact she is the reason I managed to pay off my mortgage two years ago. She helped me structure my loan to pay it off faster because she truly cares and knows how to get you there. Karen helped me get a mortgage when we fitted out the studio and again when my marriage ended. Thank you, Karen, for your support, your kindness and for being so darn smart. "

Bridget
Wellington

In our clients' words

"We cannot thank you enough for the hard work, dedication and support you have given us throughout this journey. Your patience, guidance, and expertise made all the difference. We deeply appreciate everything you’ve done for us to get here. So much gratitude."

"We cannot thank you enough for the hard work, dedication and support you have given us throughout this journey. Your patience, guidance, and expertise made all the difference. We deeply appreciate everything you’ve done for us to get here. So much gratitude. "

Delani
Wellington

Get in touch with the Harbour City Team

Compare how much NZHL could save you on your mortgage

Calculate how much you could save in time and interest if you switched your mortgage to NZHL.

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