Karen Latimer - Mortgage Broker based in Whangarei


Karen Latimer

Financial Adviser:

Based in Whangarei
Contact: (027) 296 4809
Email: KarenL@mortgagelab.co.nz

Book a time with Karen

It’s easy to apply for a new mortgage or get your current mortgage reviewed with Karen. Click the “Start Your Application” button above and create your own free account in our online system.

Once you’ve completed the application, Karen will be in touch to work through everything with you. There’s no cost for this service.

If you have any questions while you are completing the online form, don’t hesitate to contact Karen. She’s here to help.

Karen Latimer provides regulated financial advice under The Mortgage Lab NZ Limited FAP license and business structure and works within Mortgage Lab as a Financial Adviser – Mortgage Specialist.


Mortgage Advice

First Home, Second Home, Holiday Home, Investment Property, Construction loan. I can help with all your home buying needs.

  • Investment Property Finance
  • Construction Loans
  • Non-Bank Lenders
  • Debt Consolidation
  • And more…

Online Meeting

I am able to meet with you over online platforms if you are unable to meet in person.

Available to meet at your location (or online):



Sunday Closed
Monday  7.00am – 7.00pm
Tuesday  7.00am – 7.00pm
Wednesday  7.00am – 7.00pm
Thursday  7.00am – 7.00pm
Friday  7.00am – 7.00pm
Saturday  7.00am – 12.00pm

About Karen

Q. What inspired you to become a Mortgage Broker?

A. I had been working in banking for 20 years and wanted to be able to work more closely with clients to guide them through the entire process of obtaining finance.

Q. What is the best part of being a Mortgage Broker?

A. Dealing with a variety of people from all walks of life. Being able to help them achieve their property ownership goals.

Q. What is your most memorable client experience?

A. It is incredibly rewarding to help 1st home buyers buy their 1st homes. Sometimes you work with clients for a year or more until they are in a position to be able to buy their 1st home. Once they achieve that goal It’s almost as exciting for me as it is for the clients!

Q. If you were Prime Minister for one day, what would you do?

A. Immediately resign. I can’t think of a worse job…I would much rather be a Mortgage Broker.

Q. If you could have dinner with any three people (alive or dead), who would it be?

A. Freddie Mercury, George R.R. Martin, Amelia Earhart

Q. Complete this sentence: If I Wasn’t in Mortgage Broking, I would be…

A. A complete hippy living off the land, spending quality time with my dogs with some horse riding and cycling thrown in.

  • Bank of China Limited

What Past Clients Say…

Karen was absolutely lovely to work with throughout my whole mortgage approval and house buying process. She was always available to chat, responded promptly and explained everything in a way that was easy to understand. I’m so grateful for having had Karen’s assistance, it really did make the process s…

Karen Latimer

New Home - L Burr, Whangarei

Karen was fantastic to work with again – helped us navigate our mortgages for weeks through a complex separation situation, and worked hard to get an amazing rate locked in. Communication was excellent – we appreciated the frequent updates and follow ups!

Karen Latimer

Refinance - S Evans, Whangarei

Karen was an absolute pleasure to work with! She took all our concerns seriously, had a great answer to every question and worked with us long-term to achieve our goals. I will absolutely recommend Karen and Mortgage Labs to anyone looking for mortgage advice in the future! 🙂

Karen Latimer

First Home - J Harms, Whangarei

Karen was exceptional to work with. She was diligent, compassionate and patient throughout the process. I would recommend Karen to anyone that is considering applying for a mortgage or even starting to save for a deposit.

Karen Latimer

First Home - Whangarei

Karen was extremely helpful and made us feel like no question was too silly, which we really appreciated as first home buyers! She was very attentive and kept us informed during the entire process. I am really pleased with our outcome and highly recommend her services.

Karen Latimer

First Home - A Aitken, Whangarei

Karen is lovely to deal with. Efficient and took a load of work and stress off me especially as I was unable to take the time off work.

Karen Latimer

New Home - K Delaney, Whangarei

From the moment we met Karen, she was able to provide us with all the advice we needed. Any questions we had were explained in ways that were easy to understand and we didn’t feel overwhelmed by the process at any point. Karen was great with communicating to us and helped to ensure that everything was…

Karen Latimer

First Home - W Arnold, Whangarei

I very much recommend working with Karen from Mortgage Lab. She made the application process very much easier than it could have been. Her knowledge of the market is high.

Karen Latimer

Investment - Ruawai

From start to finish Karen Latimer was there every step of the way. It was challenging for her and for us, but we got there in the end.
Without Karen’s knowledgeable help we would not be where we are today.
Thank you so much from Diana, Nigel and Kimberly for all your hard work. We are so grateful for e…

Karen Latimer

New Home - D Lewis, Dargaville

Karen was great – very professional with her advice and always helpful and available to answer any questions we had.

Karen Latimer

Investment - B & J McKenzie, Whangarei

Karen has been absolutely amazing, she took all the stress out of getting the mortgage for our first home.

Karen Latimer

First Home - C Erickson, Whangarei

Who can Karen help?

First Home Buyers

We help first home buyers achieve their dream of home ownership by reviewing their finances and helping them find the right loan. It’s never too early to start this process, and making plans early on can set you up for success.

Home Owners

Even if you already own a property, it’s a good idea to check that your mortgage is setup correctly.  We often find our clients can save thousands of dollars by simply re-arranging their mortgage and negotiating their interest rate.  We do this on our clients behalf at no cost.

Investment Properties

It doesn’t matter if you’re planning to build or simply buy an existing property. If you are looking to build your property portfolio, we are here to help and make sure you get it correct the first time.

“The Successful First Home Buyer”