Karen Renwick

Karen Renwick

Having emigrated to NZ from the UK in 2010, I know first-hand how different and daunting home loans can be, especially to people who are new to NZ. 

I am passionate about helping people and as a Registered Financial Adviser with access to both registered banks and non-bank/specialist lenders, I will work with you to find lending to meet your needs.

Whether you are a First Time Buyer; looking to buy an investment property; refinance existing lending or want to consolidate debt, I would like to hear from you.

I am committed to providing a professional service, with good clear communication, ensuring my clients are kept up to date with the progress of their lending application every step of the way.

Having been working as a mortgage adviser since 2015, I am very proud to have previously received the Mortgage Link New Mortgage Adviser of the Year Award, which recognised my professional conduct and overall performance as an adviser helping my clients.

I look forward to helping you soon.  You can contact me on 021 126 7963 or email me by clicking here



“Karen is amazing. I unintentionally threw so many curve balls her way and she not only dealt with them, she made it so manageable and easy. Karen kept me in the loop every step of the way and went over and above what I could have ever expected or imagined. She made the whole process very easy to understand and gave all the possible options while explaining everything in a very clear and concise manner. Karen gave me hope when I would have thought it was all over and managed to get me into my dream home. I have no problem recommending Karen and she will be the only broker I ring in the future. Thanks so much for being absolutely amazing!” – S. Haliday - Auckland

 “Thank you for helping us navigate through this journey as first home buyers. We had done our homework so we had an idea of what we wanted to achieve, but it was great to have you guiding us through exactly what our options were in regards to affordability, costs and mortgage rates, etc. Even more, so that you were able to secure better rates than we expected initially, and then to appeal to have these adjusted so we could benefit from the post Covid - 19 banks rates is fantastic! Thanks again”.  – Dave & Alison, Auckland

"As a first home buyer getting in touch with Karen was such a good decision. Karen listened, understood my situation, and then tailored mortgage options for me to choose from.
I was new to buying property, I had lots of questions and she not only answered, but took the time to explain some of the complexities until I understood them. 
It's really valuable to have her on your team representing you to lenders. She made sure I was looked after and I was confident I would get the best deal for me and not be taken advantage of.
I would highly recommend." – J. Bradley – Auckland

“After being recommended to us by a friend, Karen was instrumental in helping my wife and I achieve the goal of becoming homeowners before 30. Her knowledge, experience, attention to detail, and willingness to answer countless questions made our first home buying experience feel simple and easy to understand. We will definitely recommend Karen to our family and friends in the same way she was recommended to us. Thanks, Karen!” - Michael & Eseta, Auckland

 "Karen helped me when I needed extra money for expensive home repairs and advice over restructuring my mortgage. She definitely had my best interests at heart. She outlined all the options and suggested the least expensive and best option for me, even though it meant less money for her! I would definitely recommend her to anyone seeking a trustworthy and helpful mortgage advisor. - A. Cameron, Auckland.”

 “Karen was great support and someone that calmed me through the storms of house buying. She was available to us at all times including the weekends and when we needed quick answers. I would definitely recommend Karen to any buyers, she is 100% professional and approachable”.  - Emma & Nick, Auckland 

“We were in a fairly uniquely difficult situation in securing lending for our first home. Karen was incredibly helpful, proactive, and understanding throughout the process for us. She was excellent at presenting options as well as explaining what we needed to do in order to meet the lenders' expectations. Organized, responsive, consistently professional, and clear in her answers to all of the questions and, yes, we had plenty. I would highly recommend particularly if you, like us, are looking at first time lending and are unsure of exactly what you can do/get with the amount you have. It fills me with great joy to now own my first home. I owe a debt of gratitude to Karen – thank you Karen 😊.
My partner and I are very happy with the service that we received from Karen. And acknowledge to extra lengths she went to for us. Highly, highly recommend Karen”. -  Stephen J, Auckland

“We had talked to several different brokers before meeting Karen as we wanted to be sure we were getting the best possible advice. I was sold after the first meeting, and my partner was eager to work with Karen before she'd even met her! We were extremely impressed by the clear, professional, and thorough manner in which she presented our financial position and it made working with her an easy decision. We are beyond thankful for the work that Karen and her team did in helping us secure our first home. As first time buyers, we both felt quite overwhelmed by the process of securing our first property, but Karen was excellent at explaining how everything worked, what all the jargon meant, and what we needed to do at each step of the journey. She was as much a guide through the home buying process as she was a broker for us. We can't recommend her highly enough, in fact, we were recommending her to friends before we had even settled! We will definitely be back when we start hunting for our next home” - Cade & Sally, Auckland

 “Karen and her team have been really important in our journey to buy a property. From the start, she helped us to understand the options we had, how to be one step ahead during the different stages, and finally, how to get the best deal with the lender.
She is always available to answer our questions (lots of them) and gives us her honest advice” - Pablo & Daniela, Auckland

 “It was an absolute pleasure working with Karen she is just marvelous and extremely patient with all of my questions over the last few months. I could not have asked for anyone better than her. I would thoroughly recommend her to anyone I know looking to buy a property in the future needing mortgage advice” - Kelley H, Auckland

 “Karen was excellent throughout a very difficult leasehold mortgage purchase. She was organized, responsive, and answered all of our questions, of which there were a lot! We got there in the end and I am very happy with the service that we received from Karen. I would definitely recommend Karen to my friends” - Marie & Darren, Auckland

“We can't thank Karen enough! Without her, we certainly would not have our first home now. We trusted in her process and thankfully it all worked out.
Karen was upfront and honest from the start about our chances of being successful. She also advised us about the required documents and also gave a heads up on what to do next before each stage of the application process. We were kept informed by Karen as to how our application was proceeding at each stage of the process, and nothing was too much for her.
We would absolutely, highly recommend Karen to anyone - she will definitely work for you!”
– R. Nair – Auckland.

"Karen has been fundamental on buying my first home ever.
She kept my expectations on how much I was able to afford in relation to my expenditures very real and honest.
There was a lot of paperwork to go through she always was quick getting back to me on the phone or answering my e-mails with thousands of questions as I knew nothing about buying a property.
I would highly recommend it if you are considering buying a property!" – E. Sanchez – Auckland

 “Fantastic and thorough service. Got us the best deal in town and put in extra hours to meet our short notice deadline. Karen also consolidated much of our existing borrowing into the bargain which will save us thousands.
Definitely, recommend”. – Simon. S – Auckland

“We have recently purchased our dream home & couldn’t recommend Karen highly enough. We do own other properties with mortgages, which we always previously dealt directly with the bank. Initially skeptical of the value a mortgage broker could add to the process and supporting us to achieve our dream, we decided to engage with Karen in our latest venture. We had an extremely positive experience through our purchase. For the first time, we felt like we were not just accepting bureaucratic constraints that would hinder us in our goal, but instead someone who demonstrated an ability to achieve no matter what the system said. Karen worked tirelessly on a complicated case, back and forth with the lender to achieve varying lending offers. Finally securing our loan has left us with absolute confidence in Karen’s ability as a broker. Karen’s service focused solely on providing us with the best possible outcome, which we are so thankful for.” – D. Matthews - Auckland

“Getting into your first home can be a daunting prospect at the best of times, let alone doing it in the Auckland market on a single income. Where other brokers had given up in the past, Karen did not. Karen was there to answer questions from a first home buyer every step of the way and got me a far better deal than I would have been able to get going to the banks directly. Even once the deal was practically over the line, the good news kept on coming. Should the need arise again, I just wouldn’t use anyone else!” – Johan. H - Auckland

"Thanks for helping us purchase our first home! You made a complicated, foreign experience simple and we appreciate all the work that you have done on our behalf (whether it was getting pre-approvals for the auctions, talking us through 'dumb' first homeowner questions, to securing us great rates and providing us with sound financial advice). We'll be sure to recommend you to our friends and family!" - P&A, Auckland

"Karen was very personable and easy to work with overtime. The process from initially seeing Karen to finding the right house took some time and Karen just kept in touch without any obligations. When finally we did find the right property and spoke to Karen she was very helpful and offered good advice and helped us understand what options best suited us. It is quite a daunting task borrowing money for a mortgage with so many choices. Karen helped us take out the guesswork. Karen has also said she would follow up post our settling and moving in to look at alternative options once our fixed-rate terms finish which is a great after service. Very customer-focused. Thanks, Karen for all your hard work on our behalf." – Dave & Nicole, Auckland

"I have no hesitation in recommending Karen’s services in providing advice and services in regards to mortgage lending, making the whole process hassle-free. Karen’s communication throughout the process was clear and prompt" - Rob & Liz, Auckland

"Karen is the most amazing, genuine, hard-working and approachable mortgage adviser I have met. If finance is what you are looking for, she knows it all and looks at ways to save you money, time and heartache. Karen helped us in buying our first home and couldn't have been more helpful. The loan structure we have, we didn't know existed and this should allow us to pay off our mortgage much faster and also be safe in a changing climate. Thank you, Karen, we are most grateful for your help in what was a stressful time. You are a bright star." -Manuela W, Auckland

"Karen was recommended to us when we decided to buy our first home. Not only did the person recommending Karen speak highly of her, but when agents asked us the name of our mortgage broker, they all knew her and again commented on what an amazing job she does. Karen made buying a house that little bit less stressful. She was incredibly helpful, managed to get a good deal with the bank and ensured things were turned around quickly. Thanks to Karen we are now enjoying making our first house our home."- Jade B, Auckland

"Karen has been great throughout the process of buying a new home. She was very helpful with seeking the preapproval from the banks, and then with the structuring of my home loan. She is able to break down the numbers simply and ensure that you are informed so you can make the right decision that suits you best. I appreciated her patience and grateful that I could go to her with any questions related to the mortgage application. If you need advice or help with your mortgage application, do give Karen a call." -Alice C, Auckland

"As first home buyers, Karen gave us a huge amount of support in organising and understanding our financial options. She gave us a detailed explanation of each step in the process and was always quick to respond via email or call.
Meeting up was very convenient – She came to us at a time that suited, and slowly went through all options. She was successful in securing very low-interest rates for us, which will definitely make a difference in our future finances.
We are very thankful for her help and knowledge in structuring our loan, and would highly recommend her to anyone looking for mortgage advice - We are very glad that we chose Karen to help us!" -Tom & Lisa, Auckland

“Karen Renwick was recommended to us when we were looking at buying either a larger or second home and I cannot recommend her highly enough. She walked us step by step through our options and then, once we had found a property, through the application process. This had seemed very overwhelming to us but working with her made the whole experience so much less stressful. Her experience, attention to detail and patience in dealing with our ongoing questions was much appreciated and led to a great outcome for us. Karen is an absolute pleasure to work with and we would not hesitate in using her services again.” Kerry and Ruth, Auckland

"Thank you so much for helping us ride this stressful and emotional rollercoaster, there were a lot of times when I didn't think it was going to happen but eventually it came through and honestly we are 2 of the happiest people on earth right now.
We have appreciated your help so very much and we want to extend our immense gratitude to you. Thank you Karen and we wish you an abundance of blessings."
Regards, - Emily G, Auckland

"As first home buyers we knew it was going to be tough to get approved to build our own home.
Karen's communication, professionalism, and efficiency throughout the whole process was above and beyond and because of Karen we are now proud homeowners.
Thank you Karen for absolutely everything you have done in helping us pursue our dream of building our own home.
Thank you so much once again we are forever grateful for your service, if you are ever in the area please feel free to stop in and check on progress!" - Mel R, Papamoa

"As a first time home buyer we were not sure about what to expect and it looked like quite a daunting task ahead of us. Karen is a pleasure to deal with; she just made it so much easier to work through the process. Her communication is frequent and answered all of our questions and concerns continuously.
She maintains a high level of professionalism whilst making us feel at ease in every step of the process - she became our trusted adviser!" -  Bertie W, Auckland

"Thank you Karen for everything. You are truly amazing at what you do. Thank you for being so patient with us but most importantly, thank you for being there every step of the way in securing our first home.
Although our journey in getting our first home was a long one you made the journey a memorable and easy one for us.
We will definitely be sharing our special story with you to others." – Maria & Atoy S, Auckland

"I felt very well looked after, and have no doubt that I received the best possible advice." – Elle J, Auckland

"I have shared our experiences with you to others and have often said that you made the whole process simple for us. No one tells people the process for buying a home is often long and arduous (or maybe it was for us in particular) but you walked with us through it all." – Richy M, Auckland

"Thanks, heaps for your helping us secure our first home.  You have simplified the whole process for us and made everything much easier.  It has been great having your support." – Cliff W, Auckland


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