Romy Gulati
Director & Mortgage Adviser
Over 13 years in banking and finance. Romy specialises in helping first-home buyers and guiding clients through complex investment and business deals.
About SMS Loans
Your financial goals are our top priority.
Smart Mortgage Services is a New Zealand-based mortgage and lending firm with over 13 years of banking and finance experience.
Who we are
Smart Mortgage Services is a New Zealand-based mortgage and lending firm with over 13 years of banking and finance experience. We specialise in helping clients navigate loans across various scenarios including first-home purchases, refinancing, investments, and business/personal lending. Rather than limiting clients to a single lender, we work with a broad network of major New Zealand banks and lenders.
Our mission
We aim to simplify complex processes, enhance operational efficiency, and drive growth through our innovative software and services.
Our vision
Empower our clients by providing expert financial advice and tailored loan solutions that enable them to achieve their dreams and secure their financial futures.
Our values
What guides our advice
01
Honesty
Prioritising transparency and building trust with clients.
02
Excellence
Continuous improvement of services.
03
Practicality
Results-focused, strategic approach to lending.
Meet the team
Advisers who pick up the phone
Direct lines, real people. Your adviser stays with you from first call to settlement — and beyond.
Sarah Hunter
Mortgage Adviser
Over 13 years experience across major New Zealand banks. Customer-focused approach emphasising simplified, stress-free processes.
Navneet Kaur
Specialist — Personal & Vehicle Finance
Focuses on personal loans, car finance, and debt consolidation. Reviews existing lending to identify cost-effective solutions.
Ready to start your loan journey?
Apply online in minutes. No obligation, no pressure — just clear advice.