# Karen Margaret Smart

**FSP FSP108884** · **Lower Hutt** · **registered** · registered 2011-03-25

Karen Margaret Smart is an individual financial adviser on the New Zealand Financial Service Providers Register, currently appointed under New Zealand Home Loans Harbour City Limited (FAP FSP448206).

**Parent FAP:** New Zealand Home Loans Harbour City Limited (FSP448206)
Provider profile: <https://financeadvisers.co.nz/provider/new-zealand-home-loans-harbour-city-limited-lower-hutt-FSP448206>

**Licence type:** Non-licensed
**Display specialty:** Financial Adviser

## Services offered

- Financial advice service (including financial advisers) - Financial adviser

**Trading names:** Karen Margaret Smart, Nzhl Harbour City

**Registered address:** L3 / 15 Daly Street,Central,Lower Hutt,5040,New Zealand

## Verify

- FSPR register: <https://fsp-register.companiesoffice.govt.nz/companies/app/ui/pages/companies/FSP108884>
- HTML profile on FA-NZ: <https://financeadvisers.co.nz/adviser/karen-margaret-smart-lower-hutt-FSP108884>
- Machine-readable facts: <https://financeadvisers.co.nz/api/adviser/FSP108884/facts.json>
- All advisers in Lower Hutt: <https://financeadvisers.co.nz/advisers/lower-hutt>

*FinanceAdvisersNZ is a directory mirror of public FSPR data. We do not regulate, vet, or endorse advisers, and we do not provide financial advice. For binding regulatory purposes refer to the FSPR record linked above.*

*Last refreshed: 2026-06-13*