
Karen Latimer
Mortgage Adviser
If your application includes personal information about a spouse, partner, co-borrower, guarantor, or another person, please only provide it where you are authorised or it is otherwise appropriate. Mortgage Lab may notify that person in accordance with the Privacy Act 2020.
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About Karen
Karen brings 20 years of banking experience and sought closer client relationships throughout the finance process. She finds particular satisfaction assisting first-time homebuyers.
Get to Know Karen
What is the best part of being a Mortgage Broker?
Dealing with a variety of people from all walks of life and helping clients achieve property ownership goals.
What would you be doing if not in mortgage broking?
A complete hippy living off the land with dogs, horseback riding, and cycling.
What Clients Say
6 testimonials
English Articles
Refix, Refinance or Top Up? How to Choose the Right Mortgage Move in 2026
A practical NZ guide to choosing between refixing your current loan, refinancing to another lender, or topping up your mortgage in 2026.
Debt Consolidation By Refinancing Your Mortgage in NZ: When It Helps and When It Hurts
Refinancing can reduce high-interest debt repayments, but it can also turn short-term debt into long-term mortgage interest. Here is how to judge it properly.
Mortgage Refinance Costs and Cashback in NZ: How to Work Out the Real Deal in 2026
Cashback can make refinancing attractive, but only if the numbers work after legal costs, break fees, clawbacks, and loan structure.
Ready to Chat with Karen?
Get in touch today for a free, no-obligation consultation about your mortgage needs.
Regulatory Information
Karen Latimer provides regulated financial advice under The Mortgage Lab NZ Limited FAP license.
Financial Services Provider number: 587228
Individual FSP: FSP1000161