Karen Raggett - Mortgage Adviser

Karen Raggett - Mortgage Adviser With 20+ years’ experience in business and residential lending, I help clients find the right loan solution.

First homes, investments, refinancing, commercial and business lending, or debt consolidation — backed by 230+ ⭐⭐⭐⭐⭐ Google reviews.https://s3-ap-southeast-2.amazonaws.com/prod-nzfsg-upload-documents/Karen+Raggett.pdf

Our financial advice provider is 'The Loan Market Group Limited' (FSP101485) (NZBN: 9429035417583). Our financial advice provider's Publicly Available Information and Privacy Polic

y can be found on our website. https://www.loanmarket.co.nz/brokers/karenraggett-financial-services

Products:
First Home Loans
Refinancing Loans
Investment Loans
Next Home Loans
Commercial and Business Loans
Land and Construction Loans
Self Employed Loans
Bridging Loans

Banks are actively competing for your business and are offering great cash incentives to borrowers who switch.If you're ...
02/06/2026

Banks are actively competing for your business and are offering great cash incentives to borrowers who switch.

If you're considering a change, why not take advantage of these offers and enjoy some extra cash in your pocket? I can help you explore your options and make the process easy. 💰🏡




Happy King’s Birthday!There is nothing quite like a long weekend to make you look around your home and start planning a ...
31/05/2026

Happy King’s Birthday!

There is nothing quite like a long weekend to make you look around your home and start planning a few upgrades.

Whether it’s modernising your kitchen, refreshing your bathroom, or practical maintenance like roofing and painting before the winter weather turns, you don't necessarily have to sell to get the space you want.

There are some competitive renovation loan options in the market right now designed specifically to help you fall in love with your home all over again.

Enjoy the rest of your day off, and let’s chat later this week about exploring your options.

29/05/2026

When it's a long weekend and it's time to finish work and you can't leave quick enough.....

Have a fab long weekend all and don't forget if you need help with your lending needs I'll help you QUICKLY!!!!

I'm open when other's aren't!!







The Reserve Bank of New Zealand has held the Official Cash Rate steady at 2.25% once again in today’s announcement.This ...
27/05/2026

The Reserve Bank of New Zealand has held the Official Cash Rate steady at 2.25% once again in today’s announcement.

This extended period of stability gives Kiwis a steady window to review their options. However, a "paused" cash rate doesn't mean you should leave your mortgage on autopilot.

If you have a fixed rate up for renewal soon, or you're planning a property move, now is the time to look at your options.

Let’s get your strategy sorted early. Reach out today for a quick mortgage review!

You've been saving. You've been planning. Now you're wondering… is now still the right time to build or renovate? 🤔Accor...
25/05/2026

You've been saving. You've been planning. Now you're wondering… is now still the right time to build or renovate? 🤔

According to the latest QV data, while the rapid inflation of previous years has eased, new short-term pressures are emerging:

🏗️ Fuel-driven spikes: Rising diesel prices have caused an immediate 7.8% jump in excavation costs, with site preparation and demolition also trending upward.

⏳ Shorter quote validity: Due to this volatility, many builders are narrowing their quote validity periods to 30 days or less, requiring homeowners to be ready to act quickly.

💰 Contingency buffers: Lenders are closely monitoring project feasibility, often requiring a robust contingency buffer of 10% to 20% to account for variations.

The good news? With overall cost growth remaining relatively moderate at 0.4% in March, a well-structured plan can still see a project move forward successfully.

Read more on the blog for our full breakdown of what is driving costs and how to plan your finances smarter.

https://adviser.loanmarket.co.nz/karen-raggett/blog/construction-costs-steady-overall-but-fuel-prices-add-pressure/

The Reserve Bank will review the official cash rate on Wednesday but is widely forecast to leave it on hold. This doesn'...
24/05/2026

The Reserve Bank will review the official cash rate on Wednesday but is widely forecast to leave it on hold. This doesn't mean we won't see interest rate increases. In the past 3 months the fixed interest rates are only going one way. UP ⬆️⬆️⬆️

What is your strategy when your current fixed rate is due to expire?

My latest clients were referred to me by a real estate agent who had “heard” I could help with overseas income applicati...
24/05/2026

My latest clients were referred to me by a real estate agent who had “heard” I could help with overseas income applications.

Their situation was not 'vanilla' — Australian income, a recent job change just one week before contacting me, bonuses to be relied upon, maternity leave, Kiwis living in Australia wanting to purchase an investment property in New Zealand… and their previous Mortgage Adviser told them it couldn’t be done.

Complex doesn’t mean impossible......

With the right strategy, lender selection, and guidance, I was able to find a pathway forward and turn “no” into a YES. Clients are stoked! 🏁

Experience counts for everything in this industry. If you want average then you could get a NO. If you want someone that knows a deal better than most then let's chat!

9 years adviser, 20 years banking industry and I'm still 30!!!! 😉😉

Life can throw curveballs at you sometimes. That’s when you either hold on tight or give up.I choose to never give up — ...
20/05/2026

Life can throw curveballs at you sometimes. That’s when you either hold on tight or give up.

I choose to never give up — and I won’t let you either.

Your home loan journey doesn’t have to feel overwhelming when you’ve got the right person beside you. Work with me, and I’ll help guide you through every step, overcome the hurdles, and get you across the finish line as smoothly and quickly as possible. 🏁🏡

Did I get straight back in her after this run - HELL YES!!!

18/05/2026

When your admin assistant demands a walk when you're in your home office!

What a day! ☀️







Address

2/162 Durham Street
Tauranga
3110

Opening Hours

Monday 6:30am - 6:30pm
Tuesday 6:30am - 6:30pm
Wednesday 6:30am - 6:30pm
Thursday 6:30am - 6:30pm
Friday 6:30am - 6:30pm
Saturday 9am - 5pm
Sunday 9am - 5pm

Telephone

+64275348975

Website

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