Ashley McCarty-Carnahan - Mortgage Adviser

20/01/2026

Roll the dice and land on your dream home 4 months later 🎲

18/01/2026

Monday Mortgage Morsels

03/11/2025

A 5 star review never fails to put a smile on the dial 🫶🏼
Link to google reviews in bio!

21/10/2025

Ashleys Real Life Monopoly Deals 😮‍💨

Back when interest rates were slightly higher than what we’re seeing today I supported a client with the purchase of their (second) first home. This one’s a great reminder that while current rates might feel achievable, they won’t be the same rates you’ll have across your full 30-year loan term. For this reason it’s important to stress test your financial position with a financial adviser!

Here’s how my client purchased a new build with just a 10% deposit while still managing to secure special discounted rates - 0.60% off all fixed terms and 1.25% off floating through a limited bank offer.

Every client arrives with a different story, specific requirements and a unique financial position so I’ll be sharing more of these (anon pls) real-life client wins each with a different structure, challenge and outcome.

If you spot a scenario that sounds like you (or the one you’re working towards), reach out and we can map out your own strategy to get you on the board. 🏡

17/04/2025

Contacted on Monday after reading my website bio.
Unconditionally approved for auction the following Thursday.

That’s what happens when trust meets efficiency.

11/11/2024

Are you utilising the maximum potential of your penalty free additional repayments like my client? ✅

10/11/2024

A pre-approval is a good tool that provides you with certainty of your purchasing power while you are actively searching for a property.

It can help reduce the time required to get a property accepted as security by your chosen lender but is not essential if you come across a home you want to make an offer on.

Not having a pre-approval simply means you will have to ensure your offer is subject to a slightly longer finance period. This is to allow enough time for us to submit your application to the bank and receive an unconditional letter of approval.

If you still feel unsure or have any questions, my DM’s are wide open!

25/07/2024

It’s so confusing sometimes to buy a house 🙂‍↕️
But not when you have the right team 🫶🏼

24/06/2024

Your investment property deposit requirements just plummeted by 5% overnight 👀
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🚀🏠Exciting News🏠🚀
In line with the Reserve Bank of New Zealand’s recent changes to Loan-To-Value Ratio (LVR) restrictions, lenders will now allow you to purchase investment property with a 30% deposit (previously 35%)

🔑 What does this mean for you?
If you have been saving up for an investment property your deposit potentially just jumped up📈

DM me if this sounds like something you’d like to know more about 💬

07/05/2024

Hi everyone, it’s introduction time 🦚
I have recently joined the Guardian Smith Mortgage and financial Services Christchurch based team.

My goal is to help you gain a comprehensive understanding of the lending process and how it applies to your specific circumstances. I have joined the financial advice sector with prior experience across a range of industries, my favourite being a previous role in data analytics & visualisation for the agricultural sector.
Attention to detail, a genuine curiosity and high standard of accuracy are among the key pillars I have developed throughout my career, creating the perfect runway to support you through your home ownership journey.
Whether it be fast tracking your mortgage application, or establishing a foolproof game plan to get you on track for future success, for a seamless personalised mortgage advice experience contact me today ✅
📲021 060 0000
📧 [email protected]

Call now to connect with business.