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. Known for practical advice and long-term relationships.
About SMS Loans
Your financial goals are our top priority.
We understand that no two clients are the same.
Who we are
We understand that no two clients are the same. That’s why we take the time to structure lending in a way that works not just today, but for your future plans as well. Whether you’re buying your first home, refinancing, investing, or securing business or personal lending, our approach is always practical, transparent, and results-focused.
At Smart Mortgage Services, our goal is simple: to guide you through the process with clarity, confidence, and the right strategy in place.
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. Builds genuine relationships while supporting clients through their lending journey.
Navneet Kaur
Specialist — Personal & Vehicle Finance
Focuses on personal loans, car finance, and debt consolidation. Reviews existing lending to identify cost-effective solutions, emphasising practical strategies that reduce interest costs and simplify repayments.
Ready to start your loan journey?
Apply online in minutes. No obligation, no pressure — just clear advice.