Helping Kiwis Make Smart Mortgage Moves
Striving to make the mortgage process stress-free and simple!
Your Dedicated & Local Mortgage Broker
Whether you're a first-time buyer, seasoned investor, or planning your dream build, GoSmart Mortgages offers tailored solutions that fit your goals and lifestyle.
"I love building relationships with clients and finding real mortgage solutions that help them into their dream home"
Uma Kumar - Director/Owner
"Extremely helpful and down to earth"
"Tremendous thank you to Mrs Uma Kumar. She has enormously helped me in purchasing my first property. She is a kind hearted generous woman that also reflects in her work as she goes the extra mile to help her clients achieve their goals in purchasing their dream homes. I found her to be extremely helpful and down to earth. Will definitely consult Mrs Kumar again in the future. Once again, thank you very much for all your assistance and advice"
— Aprajeeta Sharma
"Skills truly stood out"
"We are so thrilled to express our heartfelt gratitude to Uma as our Mortgage Adviser for making our dream of owning our first home a reality! Her customer service was nothing short of incredible, and her communication skills truly stood out. She responded to our emails promptly, which made the entire process smooth and effortless. We can't recommend her enough – if you're looking for someone who will go above and beyond, Uma is your go-to!"
— Pravin & Shaleen
"Uma made things easy"
"Uma helped my Wife and I purchase our 2nd home which has been a goal of ours. Uma made things easy to understand, made the process smooth and she was always informing us on options with key points to consider before making a decision. Her knowledge on the market, what to look out for and her empathetic approach to helping us was instrumental to making our goal possible. We would definitely recommend her services for your future home purchase."
— Kyle Meyer
"Valuable experience and knowledge"
"I've had an excellent experience having Uma Kumar as my Mortgage broker. The duty of care and service she provides was very professional and all completed in timely manner. With her valuable experience and knowledge she seamlessly guides us through the complex process of mortgages and refinancing. Thank you so much once again Uma Kumar for the positive experience with the loan application process and looking forward to work with you again in the future for any mortage advise."
— Savita Sharma
"Exceptional expertise and professionalism"
"I highly recommend Uma Kumar for her exceptional expertise and professionalism. She helped me secure a fantastic mortgage deal for my first home, providing valuable insights and guiding me through the entire process with ease. Her communication was prompt and clear, and she went above and beyond to ensure I understood all the details. Uma Kumar truly made a complex process feel straightforward and stress-free. I wouldn't hesitate to work with her again in the future."
— Geeth Croos
"She gave us hope"
"We have been looking into buying a house for 6 years and our hopes went down after covid when the lending criteria became harder for first time owners to buy a house. We were referred to Uma by one of our good friends and we started working with Uma in August 2024 and the first consultation call we had with Uma she said she will definitely get us into our first house! She gave us hope our long awaited dream will come true. We loved the fact that Uma is very professional and works to deadlines which was great because we knew each time we did what Uma required we were getting closer and progressing towards our goal We had to do a bit of financial work and clean up and we trusted that Uma knew what she was doing with her background in her job for many many years now!
— Siaosi N Vei Havealeta
"Thanks Again Uma"
"Everything she said to do was exactly what the outcome would be so she knows her job inside out. Every question we had was answered and very prompt responses. We knew she cared and always went the extra mile for us. We went unconditional in December and we purchased our first home, all moved in before Christmas . We are so grateful for you Uma . You took us in as an unhopeful couple and you helped us achieve our biggest goal as a couple. We will definitely continue to work with Uma in the future and would definitely recommend to anyone looking to purchase a property. Thanks Again Uma"
— Siaosi N Vei Havealeta
"Opened all the doors"
"Uma did a great job of helping me into my first home. Appreciate all of her hard work!"
— Ben Lester
"My wife and I had a dream of owning our own home, and that was all it was ever going to be until we found Umar Kumar. When others said it wasn't going to work, Uma stepped in and opened all the doors."
—Ethan Moore
"Outstanding service"
"I would definitely recommend Uma Kumar. I received outstanding service. You're really good at focusing on what customers need and require. You have a real instinct to understand customers.I like to compliment on your work.I seriously appreciate the opportunity to meet with you and your help in obtaining a my first New Home.It’s difficult to find right place for right service. Thank you. Good work!"
— Patel Rutvik
"Absolutely amazing experience"
"Absolutely amazing experience with Uma. She was so informative, super quick to respond to emails, answered all of our questions and always worked her best on behalf of us! Really made the whole experience of using a broker a great one words cannot express how thankful we are. Thank you very much Uma for Helping us to Achieve our First home. We highly recommend her."
- Duminda and Rashmila
"Absolutely amazing and professional"
"Uma Kumar at Mortgage Express – Hamilton is not only absolutely amazing and professional also simple and we have found she is very personable and supportive throughout the whole process. Even our situation being complicated, she got it approved with the bank in just three days. She helped us through all the documentation and we didnt had to bother anything, avoiding dodgy situations and in fact gone extra mile to help us to understand the property market in Hamilton. Her knowledge and experience about banking, finance and real estate is impeccable. We highly recommend Uma Kumar to anyone who dreams to get in their own house. Thank you Uma for your all hardwork for our application."
- Prabhath Rathnayake
"Willing to go the extra mile"
"Uma has been very helpful in assisting us to purchase our first home.We had some circumstances but Uma assisted us with getting finance approved and also walked us through the entire purchasing process. She is very personable and willing to go the extra mile. She is straight forward with the application process. Thank you for your help and we really appreciate your job. We highly recommend Uma Kumar to anyone who may be looking to buy a house."
- Santosh & Ambika
"Best Mortgage Adviser I have ever had a chance to work with"
"Uma is one of the best Mortgage Adviser I have ever had a chance to work with. She worked with us closely to make sure all the application be well prepared in such a short notice. Had our mortgage be sorted out before Christmas was like one of the biggest gift our family this year. If you are looking around for mortgage adviser, please stop and call Uma right now. You have found the best one."
- Erik Au Duong
Experience that matters since 1994
We help savvy buyers find savvy mortgage solutions that fit like a glove. With a deep understanding of the local market and a commitment to personalised service, we think outside the box and take the stress out of securing finance, so you can focus on what matters most—your future.
Expert mortgage guidance
Our goal is to make your dream home possible. Our method is smart and simple mortgages.
Building lasting relationships
We cultivate trust, striking the balance between business and friendship, ensuring you feel valued.
Smart lending options
At Go Smart, smart is more than a name. It’s a commitment to finding a mortgage that fits your life.
Our Mortgage Services
First Home Loan
Buying your first home can feel overwhelming, but we're here to make it simple. From understanding your budget to securing the best loan, we’ll guide you every step of the way.
Investment Loan
Maximise your investment potential with tailored loan options designed to help you build your property portfolio while staying financially secure.
Refinance
Whether you're looking to reduce your repayments or unlock equity in your property, refinancing your loan with us is hassle-free and rewarding.
Construction Loan
Building your dream home? Our construction loans provide flexible funding, allowing you to bring your vision to life without financial stress.
Business Lending
Empowering your business growth with tailored finance solutions. Whether you’re expanding, upgrading, or starting fresh, we’ll find the perfect lending option to meet your goals.
Interest Rate Renewal
Navigate your mortgage renewal with confidence. We’ll help you secure competitive rates and ensure your mortgage aligns with your financial future.
Non-Bank Lending
Explore flexible mortgage solutions beyond traditional banks. Perfect for unique situations, we’ll connect you with trusted non-bank lenders to make your plans a reality.
Simplifying Your Path to Homeownership
GoSmart Mortgages is here to unravel the mortgage maze, making your path forward clear and achievable. Our goal is to make this whole process less daunting and allow you to enjoy the excitement of buying a home.
