His wife looked after neighbour Ms Morrison while the fire service and ambulance were on their way.
"The hero of the day is the dog, Jack," Mr Gubb said. "We wouldn't have heard it or seen it."
Ms Morrison now has a new name for the 8-year-old Border Collie.
"I call him Hero," she said. "I'm proud of Jack. When the Gubbs told me I just went and hugged him. He saved me."
Ms Morrison, who still suffers from the effects of a stroke 10 years ago and cannot work, had fallen asleep on the couch and was woken by a crackling sound.
She awoke to the sight of smoke and saw her curtains in flames and fire spreading across the roof.
"I immediately dropped to the floor and crawled to the door and just got out. I just screamed for Karin and Chris."
Once she was out her first thought was to save her cat Coco but she made her getaway long before Ms Morrison.
"I'm so lucky I managed to get out and my cat got out before me," she said.
Omokoroa fire chief Ian Blunt said the flames were out about 10 minutes after they arrived but the bungalow was "completely gutted".
He said the fire appeared to have been caused by a candle.
"It appears she had some candles burning and she fell asleep in the lounge and somehow it ignited the curtain."
Ms Morrison knows she was lucky to escape with just a minor burn to her arm and is staying positive despite having lost everything but her car and the clothes on her back.
"Everyone's been wonderful," she said. "The support and the generosity of people is overwhelming."
A nurse at the hospital gave her three bags of clothes she had in her car and Ms Morrison's landlord gave her some clothes.
Ms Morrison was taken to Tauranga Hospital to be treated for smoke inhalation and a minor burn on her arm. She was kept overnight but was discharged on Saturday.
"She's a fantastic woman. She's lost absolutely everything," Mr Gubb said.