Meet Tracy, here to help you

Tracy brings more than 17 years’ experience across banking and lending to her role at New Zealand Home Loans. Throughout her career, she has built a strong reputation for consistency, expertise, and genuinely putting people first. Now one of NZHL’s top-performing consultants, Tracy has been ranked number one in New Zealand for six out of the past seven years, reflecting both her results and the trust she earns with her clients.

Tracy is passionate about helping people take control of their mortgage, reduce debt faster, and put a clear plan in place to support the life they want to live. Whether you’re buying your first home, restructuring existing lending, or looking to optimise your financial position, Tracy provides clear, tailored advice at every step of the journey.

What truly sets Tracy apart is her commitment to ongoing care. Her clients don’t just receive advice once. They gain a trusted partner who stays alongside them, regularly reviewing and refining their strategy as life evolves.

Outside of work, Tracy is a proud fire wife and understands the importance of resilience, teamwork, and strong community. She’s also actively involved in touch, rugby, and netball, bringing the same energy, determination, and collaborative approach into her work with clients.

Approachable, highly experienced, and deeply invested in her clients’ success, Tracy is committed to turning financial pressure into clarity and long-term goals into achievable plans.

Have a mortgage & a life - NZHL Tagline

Have a mortgage and a life

Tracy Pilkington NZHL Mandeville St

Tracy O’Connell

Business Owner

Contact Me

Physical Address:

45 Mandeville Street, Riccarton, Christchurch

Phone: 021 344 220

Mobile: 021 311 038

Email: [email protected]

No. 1 Service - Consultant 2024
No. 1 Service - Consultant 2023
No. 1 Service - Consultant 2022
No. 1 Service - Consultant 2021
No. 1 Service - Consultant 2019 & 2020

Get in touch with Tracy

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