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5 Star Google Reviews
Meet the Team
Romy Gulati
Director & Mortgage Adviser
With over 13 years in banking and finance, Romy has helped hundreds of clients secure the right lending solutions — from first home buyers to complex investment and business deals. Known for working through complex situations and finding a way forward. Romy focuses on practical, straight-up advice and long-term relationships..
Sarah Hunter
Sarah brings over 13 years of experience across major banks in New Zealand. She is highly customer-focused and known for making the process simple and stress-free. Sarah works closely with clients to gather the right information and ensures every application is presented strongly to the bank.
She takes pride in building genuine relationships and supporting clients through every step of their lending journey.
Navneet Kaur
Navneet specialises in personal loans, car finance, and debt consolidation. She works closely with clients to review their current lending and identify smarter, more cost-effective options.
Whether it’s purchasing a vehicle, consolidating debt, or refinancing existing loans, Navneet focuses on practical solutions that help reduce interest costs and simplify repayments.
I had an excellent experience with smart mortgage services company from start to finish. Romy was professional, knowledgeable, and incredibly supportive throughout the entire process. Took the time to explain everything clearly, answered all my questions patiently, and made what can often be a stressful experience feel smooth and manageable. Thank you!
I had an excellent experience with SMART MORTGAGE Services for my car loan. The team was professional, transparent, and incredibly helpful throughout the entire process. They explained everything clearly, secured a competitive rate, and made the approval quick and stress-free. I truly appreciate their efficiency and outstanding customer service. Highly recommended!😊👍
A huge thank you to Romy Gulati, Director of Smart Mortgage Services, for helping me buy my first home. From day one, Romy was professional, approachable, and incredibly knowledgeable. He took the time to understand my situation, explained every option clearly, and worked tirelessly to get me the best outcome. As a first-home buyer, I couldn’t have asked for a better mortgage adviser. Highly recommend Romy to anyone looking to buy a home.
Hands down the best experience working with Romy .Every step was clearly communicated and the entire process was smooth and stress free. I would absolutely recommend smart mortgage services to anyone looking for a mortgage broker who can personalise the best solution to match your goals. Thanks once again 👍🏻
Outstanding service from start to finish!
Working with this mortgage broker was an excellent experience. They were knowledgeable, responsive, and took the time to clearly explain all my options. The entire process was smooth and stress-free, and I always felt supported and informed at every step. They truly went above and beyond to secure the best possible outcome for me. I highly recommend their services to anyone looking for expert advice and reliable support. Big thanks to Romy Gulati for being there all the time.🙏
Working with this mortgage broker was an excellent experience. They were knowledgeable, responsive, and took the time to clearly explain all my options. The entire process was smooth and stress-free, and I always felt supported and informed at every step. They truly went above and beyond to secure the best possible outcome for me. I highly recommend their services to anyone looking for expert advice and reliable support. Big thanks to Romy Gulati for being there all the time.🙏
Mr Romy made the entire mortgage process smooth,stress free and easy to understand , standing with us every step of the way. He is incredibly knowledgeable, always available to answer questions and works tirelessly to secure the best deal for us. I would highly recommend mr Romy to anyone who is looking for his assistance.
We had an outstanding experience working with Romy while re- fixing our home mortgage.
From the very beginning, Romy was patient with our queries, proactive and clear about the process. He took the time to understand our needs and explained the steps involved with mortgage process in a way that was easy to follow.
What impressed us most was their responsiveness—every question we had was answered promptly, and they always kept us updated. Thanks to his expertise and attention to detail, the entire process was smooth and stress-free. We highly recommend Romy to anyone looking for a reliable and trustworthy mortgage advisor!
Cheers
From the very beginning, Romy was patient with our queries, proactive and clear about the process. He took the time to understand our needs and explained the steps involved with mortgage process in a way that was easy to follow.
What impressed us most was their responsiveness—every question we had was answered promptly, and they always kept us updated. Thanks to his expertise and attention to detail, the entire process was smooth and stress-free. We highly recommend Romy to anyone looking for a reliable and trustworthy mortgage advisor!
Cheers
I recently purchased a property and had an excellent experience working with Mr. Romy. He guided me through every step of the mortgage process with clarity and patience, making everything easy to understand.
His professionalism, responsiveness, and genuine support made the entire journey smooth and stress-free. I would highly recommend Mr. Romy to anyone looking for a trustworthy mortgage broker.
His professionalism, responsiveness, and genuine support made the entire journey smooth and stress-free. I would highly recommend Mr. Romy to anyone looking for a trustworthy mortgage broker.
Ever since I entrusted Romi with my mortgage needs, I haven’t had to worry about a thing. From renewals to smart suggestions and even cashback opportunities, he takes care of it all with ease and expertise. His proactive approach means I can simply sit back and relax, knowing everything is being handled in the best possible way. Highly recommend his services to anyone looking for peace of mind with their mortgage!
I recently refinanced my car loan with Romy, and he made the whole process incredibly smooth and stress-free. He explained everything clearly, communicated quickly, and secured me a great rate that will save me money.
Highly recommend Romy for anyone looking for a professional, reliable, and genuinely helpful adviser!
Highly recommend Romy for anyone looking for a professional, reliable, and genuinely helpful adviser!
I’m extremely impressed with the service provided by Romy. His professionalism, expertise, and attention to detail stood out from the very beginning. He took the time to explain every step of the process, ensured I understood my options, and worked hard to secure the best result for me. The company itself operates with great efficiency and integrity, making the entire experience smooth and stress-free. I’m grateful for all the support and would highly recommend his services to anyone needing mortgage assistance.
We’ve been trying to get a mortgage loan with several mortgage brokers and almost gave up on our dreams due to we can’t get approval from banks or a lender , until one day God introduce us to Romy Gulati, He is the one who did all the hardwork and tells us never give up . And Romy makes it happen for my family after so many years of trying. We definitely recommend Romy to those family who needs help to get their first home …. Thanks a lot Romy and God bless you more !!
Rommy from Smart Mortgage Services was amazing to work with. He explained everything clearly, got me the best deal, and made the whole process super easy. Highly recommend!
Romy was super helpful right from the start! He took the time to understand our needs and explained every part of the process clearly. He helped us refinance our home loan and got us a great interest rate. Really appreciate his support and professionalism — he’ll definitely be my go-to person for any future loan needs.
Our family is very grateful to meet Romy in our journey of buying our first home. His dedication,kindness,expertise and very accomodating nature makes impossible things to be possible.We highly recommend Smart Mortgage Services and once again, thank you Romy for all your help in our journey.🥰
We honestly can’t thank Romy enough for everything he did for us. We truly thought buying our home wasn’t possible, but he made it happen! From the start, he was incredibly supportive, patient, and always willing to go the extra mile to make sure we understood every step. He kept us informed, encouraged us when things got stressful, and made the whole process feel achievable.
His knowledge, dedication, and genuine care really stood out — it never felt like just a job to him. Thanks to Romy we’re now in our new home and couldn’t be happier. We’d highly recommend him to anyone looking for a broker who truly goes above and beyond! Thanks Romy for making this possible.
His knowledge, dedication, and genuine care really stood out — it never felt like just a job to him. Thanks to Romy we’re now in our new home and couldn’t be happier. We’d highly recommend him to anyone looking for a broker who truly goes above and beyond! Thanks Romy for making this possible.
I used smart mortgage services to get my loans and the service i was provided by Romy was exceptional. He provided all the information required and went extra mile by helping with paper work and providing suggestions. I would recommend you to give him a call and you will know what i am talking about.
It has been an amazing experience with Romy Gulati at Smart Morgage. Romy has been so helpful and supportive in the process of buying our first home where we didn't have much knowledge of the system. He was just a call away for our doubts and any queries.
Romy is the perfect example of professionalism with kindness. A big thank you to Romy Gulati for being so kind and wonderful. We couldn't be more satisfied with the service.
Romy is the perfect example of professionalism with kindness. A big thank you to Romy Gulati for being so kind and wonderful. We couldn't be more satisfied with the service.
Absolutely Amazing Mortgage Advisor!
I had an incredible experience working with Romy Gulati. He is extremely smart, knowledgeable, and efficient — he got my loan approved very quickly and made the whole process so easy and stress-free. His deep understanding of all types of properties and loan options really helped me make the right decision.
He doesn’t just process your loan — he actually guides you in the right direction to choose the best home for your situation. I really appreciate his honesty, communication, and commitment throughout the process. I highly recommend him to anyone looking for a professional and trustworthy mortgage advisor.
I had an incredible experience working with Romy Gulati. He is extremely smart, knowledgeable, and efficient — he got my loan approved very quickly and made the whole process so easy and stress-free. His deep understanding of all types of properties and loan options really helped me make the right decision.
He doesn’t just process your loan — he actually guides you in the right direction to choose the best home for your situation. I really appreciate his honesty, communication, and commitment throughout the process. I highly recommend him to anyone looking for a professional and trustworthy mortgage advisor.
Smart Mortgage Services made the whole process simple and stress-free. Romy took the time to understand our needs, explained every option clearly, and secured us a great deal. Professional, reliable, and always approachable — highly recommended.
We had an outstanding experience with Romy. He was incredibly helpful, knowledgeable, and his expertise made the entire home-buying process smooth and stress-free. His depth of experience and guidance gave us confidence every step of the way. We are truly grateful for his support—thank you again, Romy!
I had the pleasure of working with Romy from Smart Mortgage Services as my mortgage advisor. He made my bank change smooth and stress-free. he explained clearly how much I would save on interest and followed up with me at every step. Thanks to his advice, I am saving on interest, and my weekly payments are more manageable. Highly recommend Romy for his professionalism and expertise .
I had an excellent experience working with Romy Gulati. From the very beginning, Romy was professional, knowledgeable, and supportive throughout the entire loan approval process. He explained everything clearly, answered all my questions promptly, and went above and beyond to ensure I got the best outcome. His guidance made what could have been a stressful process smooth and straightforward. I truly appreciate hid dedication and highly recommend his services to anyone looking for loan assistance.
⭐ Gold Class Service – Romy is a Dream Maker ⭐
Working with Romy was nothing short of outstanding. He made the entire process seamless, stress-free, and genuinely enjoyable.
From day one, Romy was there every step of the way. His knowledge, experience, and strong connections in the banking world meant nothing was ever too hard, too complicated, or too overwhelming. He walked me through everything with patience, clarity, and absolute professionalism, always making me feel confident and supported.
Romy doesn’t just get the job done — he delivers gold class service. He’s sharp, attentive, and genuinely cares about helping his clients succeed. What could have been a stressful process instead became smooth, exciting, and even fun.
If you’re looking for a mortgage broker, don’t settle for average. Use the best. Romy doesn’t just broker mortgages — he makes dreams come true.
Working with Romy was nothing short of outstanding. He made the entire process seamless, stress-free, and genuinely enjoyable.
From day one, Romy was there every step of the way. His knowledge, experience, and strong connections in the banking world meant nothing was ever too hard, too complicated, or too overwhelming. He walked me through everything with patience, clarity, and absolute professionalism, always making me feel confident and supported.
Romy doesn’t just get the job done — he delivers gold class service. He’s sharp, attentive, and genuinely cares about helping his clients succeed. What could have been a stressful process instead became smooth, exciting, and even fun.
If you’re looking for a mortgage broker, don’t settle for average. Use the best. Romy doesn’t just broker mortgages — he makes dreams come true.
My family and I recommend Romy and Smart Mortgage Services 100%.
Yes, 100%! We can’t thank him for helping us buy our first home enough.
From the very beginning, he has been helpful, reliable and knowledgeable. His extensive knowledge about banks and the house-buying process made us comfortable putting our full trust in him. Each step was made really clear and he always prepared us for the next. What could have been a daunting process was made stress-free by Romy.
Thank you, Romy!
Yes, 100%! We can’t thank him for helping us buy our first home enough.
From the very beginning, he has been helpful, reliable and knowledgeable. His extensive knowledge about banks and the house-buying process made us comfortable putting our full trust in him. Each step was made really clear and he always prepared us for the next. What could have been a daunting process was made stress-free by Romy.
Thank you, Romy!
Romy's knowledge in the mortgage industry was clearly evident, he explained each step of the process in a way that was easy to understand. Communication was always clear, prompt, and reassuring, which made an otherwise stressful experience feel smooth and manageable. And ultimately provided us with a great outcome. Highly recommend to anyone seeking mortgage broker.
Honestly, I couldn’t have asked for a better experience. I had no idea where to start, but Romy was there every step of the way and made the whole process so easy. He didn’t feel like just a mortgage broker—he felt like a friend who genuinely cared.
Romy explained everything in simple terms, no matter how small our questions were, and always responded super quickly. We constantly asked what to do and when, and he always had the answers right away.
Huge thanks to Romy and Smart Mortgage Services—you made getting our first property possible, and we’re so grateful!
Romy explained everything in simple terms, no matter how small our questions were, and always responded super quickly. We constantly asked what to do and when, and he always had the answers right away.
Huge thanks to Romy and Smart Mortgage Services—you made getting our first property possible, and we’re so grateful!
Iam so amazed with smart mortgage finance, highly recommendations (Romy). Our (my husband and myself) feel comfortable and confident dealing with Romy. He completed the application smoothly, our approval came in 2 hours and we are so thankful to Romy.
"Unlike other mortgage brokers we’d spoken to, Romy immediately recognised, based on just some basic details that we were in a strong position to secure lending for a property we were ready to make an offer on. He came to meet us the same afternoon we first spoke, and had our pre-approval finalised within just a few days. His communication was consistently proactive, and he explained every aspect of the process in a way that was clear and easy to understand. Friendly, trustworthy, and incredibly professional, Romy guided us through what is often a stressful process with confidence and care. We wouldn’t hesitate to recommend him to anyone seeking a mortgage. Thank you again, Romy!
Must visit for your mortgage needs. Romy has been very helpful throughout the process and will always guide you in the right direction.
“Being First Home Buyer” Romy educated us throughout the process, he gave us excellent support and honest answers, even late nights or holiday time!! Very Responsive and did not ever make us feel stupid. He has good knowledge and clear communication as well as reminders that keep things on track!! Highly recommended 🙌
As a first home buyer, I couldn’t have asked for a better mortgage broker. Mr. Romy Gulati made the whole process simple and stress-free. He was always available on call to answer my questions and guided me through every step with clear advice. Thanks to his support, I secured a great loan from the bank. Highly recommend his services to anyone buying their first home!
I had an excellent experience working with Romy Gulati at Smart Mortgage Services. He is exceptionally friendly, professional, and always willing to go the extra mile to help. It's rare to come across someone who not only excels in their role but also genuinely cares about their clients' needs. I highly recommend Smart Mortgage Services to anyone seeking a reliable, supportive, and knowledgeable mortgage advisor. Thank you so much, Romy, for your efforts in helping us achieve our dream.
I had a fantastic experience working with Romy Gulati from Smart Mortgage Services. Romy was extremely patient throughout the entire process, always taking the time to answer my many questions without ever making me feel rushed. He was consistently available, helpful, and understanding, which made a potentially stressful process feel smooth and manageable.
What really stood out was that he was not at all pushy—just genuinely focused on helping me make the best decision. Romy is very knowledgeable, yet at the same time, incredibly down to earth and polite, which made it easy to trust his guidance.
I would highly recommend Romy to anyone looking for mortgage advice and will definitely be using his services again in the future.
What really stood out was that he was not at all pushy—just genuinely focused on helping me make the best decision. Romy is very knowledgeable, yet at the same time, incredibly down to earth and polite, which made it easy to trust his guidance.
I would highly recommend Romy to anyone looking for mortgage advice and will definitely be using his services again in the future.
Absolutely outstanding service from start to finish. Romy made the entire mortgage process smooth, stress-free,easy to understand and stood with us till the end. He is incredibly knowledgeable, always available to answer questions, and worked tirelessly to find the best deal for us. Romy's communication was prompt and clear, and he truly had our best interests at heart. We felt supported every step of the way. Highly recommend. The best mortgage consultant and broker I have dealt with.
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Quick answers to questions you may have. Can't find what you're looking for? Get in touch with us.
Typically, you'll need to provide proof of income (payslips, tax returns), proof of employment, bank statements, information on any other debts, and identification documents (such as a driver's license or passport). Additional documents may be required based on your specific situation.
The approval process typically takes between 5 to 7 working days. However, it may vary based on factors such as the completeness of your application, the time it takes to gather required documents, and the efficiency of the process with our finance providers. We work with a number of finance suppliers to ensure the best outcome for you.
A fixed-term mortgage has an interest rate that is set for a specific period (such as 1 year fixed, 2 years fixed, etc.), providing certainty in your repayments during that time. In contrast, a floating-rate mortgage (also known as a variable-rate mortgage) has an interest rate that can fluctuate based on market conditions, potentially affecting your repayments over time.
We adhere to strict confidentiality protocols to safeguard all client information.