Smart Mortgage Services

17/10/2026

Three things people often don’t know about loans.

From buying a home with a smaller deposit, to using equity for a business purchase, to getting lending when you’ve only recently become self-employed — there may be more options available than you think.

Every situation is different, so it pays to understand your options before making a decision.

Romy Gulati
Smart Mortgage Services
027 767 5626
www.smsloans.co.nz

18/08/2026

I’m honoured to be recognised among NZ Adviser’s Top Advisers for 2026.

Thank you to every client who placed their trust in me. This recognition would not have been possible without you.

Smart Mortgage Services offers expert guidance in home loans, refinancing, construction loans,business loans,and more. With 13+ years of experience, we’re here to support your financial journey.Contact us today to achieve your goals!

07/08/2026

Buying a home? A builder’s report could save you from some very expensive surprises.

I recently sat down with Kieran, Director of CheckHome Building Inspections, to discuss some of the key things buyers should look out for, including monolithic cladding, asbestos, Dux Quest plumbing, moisture issues and other potential warning signs.

A mortgage approval is important, but understanding the condition of the property before you commit is just as important.

Watch the full video for practical tips that could help you make a more informed property decision.

Smart Mortgage Services – helping you look beyond the home loan.
www.smsloans.co.nz
027 767 5626
[email protected]

25/07/2026

Let’s hear from some of our clients whom we’ve recently helped—not only with their home loans, but also in achieving their business goals.

17/07/2026

Really grateful to receive the Top Performer (Gold) - Financial year 2026 Award today.

Thank you to all my clients for trusting me with your lending journey. Your support means a lot and motivates me to keep doing my best for every client.

15/07/2026

Refinance isnt just about Lower Interest rates.
027 767 5626
www.smsloans.co.nz

02/07/2026

Great job Professionals Redcoats 🙌
Thanks for making us a part of this

28/06/2026

Thinking about purchasing an investement property? Know your numbers.

20/06/2026

Small extra repayments today can mean big savings tomorrow — try the free calculator at www.smsloans.co.nz.

28/05/2026

Proud to be part of the Kiwi Adviser Network Awards! Being a finalist in multiple categories is a big milestone. If you or your friends and family need mortgage advice, we’ll take great care of you!