The two women had gone into town about 9.30am and were on their way back when they saw the smoke -- then the flames.
"This is just a nightmare," one said as neighbours provided them with drinks of water and words of support.
"All the toys, all our stuff -- everything," she said, asking their names not be used.
A Napier businessman owns the house. It had been let by Tremain Rentals.
Two of the rental team arrived about an hour after the fire was reported.
The owner, who also did not want his name used, said he had just completed a major renovation.
"I've spent a lot of time and money on it and it's pretty well all gone," he said.
The people who lived in the bottom part of the two-storey house had been at work.
Although that level escaped most of the flames there was clearly smoke and water damage.
Four fire appliances attended along with the hazmat command vehicle. Firefighters ran about 40m of hoses from Cameron Rd to the lane, using properties that backed on to the lane as well for hose access.
It took about 40 minutes to get the fire under control.
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