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 250+ ⭐⭐⭐⭐⭐ 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

✅ We compare your options across our wide range of lenders, not just the main banks.✅ We handle the paperwork so you are...
02/09/2026

✅ We compare your options across our wide range of lenders, not just the main banks.

✅ We handle the paperwork so you are not chasing bank statements, payslips, and proof of income yourself.

✅ We negotiate directly with lenders on interest rates, loan structures, and special offers.

✅ We check the fine print for hidden details, like break costs, revolving credit terms, and extra repayment limits.

✅ We stay in your corner long after settlement, reviewing your fixed rate before it renews to keep your loan competitive.

✅ We work for you, not the bank.

Want to know what an adviser can do for you? Reach out to start a no-obligation chat.

https://adviser.loanmarket.co.nz/karen-raggett/contact-us

The Reserve Bank of New Zealand has announced its latest update, increasing the Official Cash Rate to 2.75%.If you’re cu...
02/09/2026

The Reserve Bank of New Zealand has announced its latest update, increasing the Official Cash Rate to 2.75%.

If you’re currently paying off a mortgage or house hunting, back-to-back rate movements mean it’s time to take a fresh look at your setup. When the OCR goes up, lenders typically adjust their interest rates in response. For existing mortgage holders, that can mean higher repayments when your rate rolls over and for buyers hunting in the property market, it can reshape your borrowing capacity.

Movement in the market is a standard part of the cycle, so there’s no need to feel uneasy. Managing an upward rate shift simply comes down to good preparation and having a plan tailored to your financial goals.

Whether you need to review a fixed rate expiring soon or want to check how this impacts your buying budget, getting proactive with your numbers is the best next step. Let’s get your strategy sorted early.

A new day, a new season! Helloooo Spring! Am I glad to see you 🏵We talk about buying houses but we never talk about our...
31/08/2026

A new day, a new season! Helloooo Spring! Am I glad to see you 🏵

We talk about buying houses but we never talk about our neighbours. These gorgeous spring flowers turned up on my door step last night. I have amazing caring neighbours! Thank you Sue x

OCR announcement tomorrow and all the experts expect this to go up! Spring into action now if you have any floating interest rates!

Want to discuss a strategy. Call me before fixed interest rates increase ⬆️

Help is what I do 🏡





“Here's a question for every homeowner reading this...Put your hand up if you have recently reviewed your mortgage?And n...
30/08/2026

“Here's a question for every homeowner reading this...

Put your hand up if you have recently reviewed your mortgage?

And no…

I'm not talking about when your fixed rate rolled over and you clicked ‘renew’ on your banking app. 😂

I'm talking about actually sitting down and looking at:

Your interest rate, your fixed terms, your repayments, your loan structure, your offset or revolving credit.

And whether you're paying your mortgage down as efficiently as you could be.

Because your mortgage is probably one of the biggest financial commitments you'll ever have.

But lots of people set it up…

…and then forget about it for years.

The problem is, things change, your income changes, your expenses change, interest rates change & your goals change.

So if you haven't reviewed your mortgage recently…maybe it's time.

It costs nothing to have a conversation with me. It could save you money.

Or at the very least…

Give you some peace of mind that your mortgage is still working for you.”

Whether you are pinning a daffodil to your jacket, dropping a donation in a street collector's bucket, or remembering a ...
27/08/2026

Whether you are pinning a daffodil to your jacket, dropping a donation in a street collector's bucket, or remembering a loved one today, we join you in supporting the Cancer Society and the incredible work they do for Kiwi families.

Thank you to everyone helping make a difference across our community today.

Borrowing power is one of those numbers a lot of people think they know, but haven't actually checked recently. It shift...
27/08/2026

Borrowing power is one of those numbers a lot of people think they know, but haven't actually checked recently.

It shifts with your income, living expenses, existing debts, and interest rates. With rates sitting higher than they were a couple of years ago, your borrowing capacity might look quite different today compared to what you expected.

Getting a clear picture of your actual baseline numbers is simply step one before you start looking at properties or making big financial plans.

Feel free to send a direct message if you ever want to check where your baseline sits in today's market.

When you want a Mortgage Adviser that isn't just an average girl......PICK ME!I don't do ordinary. I get results and won...
26/08/2026

When you want a Mortgage Adviser that isn't just an average girl......

PICK ME!

I don't do ordinary. I get results and won't settle until we get you across the finish line 🏁

Two months and I'm back in my other office. The mighty twin turbo'd Buick V6 💪💪💪

Getting a home loan when you're self-employed has a number of hoops to jump through. The good news is that advisers who...
25/08/2026

Getting a home loan when you're self-employed has a number of hoops to jump through.

The good news is that advisers who work regularly with self-employed clients know exactly which lenders understand business income and how to structure an application that actually reflects how your finances work.

It's not impossible. You just need the right person in your corner 🙋
https://adviser.loanmarket.co.nz/karen-raggett/products-services/self-employed-loans

Nothing compares to celebrating a win with our clients! We are so thankful for the trust you place in our team.No matter...
23/08/2026

Nothing compares to celebrating a win with our clients! We are so thankful for the trust you place in our team.

No matter what your financial goals are, we’re here to make the journey clear and effortless.

Reach out today to see how we can help! ⭐

Sunday's are for SOLD signs. Huge congratulations to Jamie & Gracie & their wee family!Timeline......First contacted me ...
22/08/2026

Sunday's are for SOLD signs. Huge congratulations to Jamie & Gracie & their wee family!

Timeline......

First contacted me 17th July ☎️
Approved 22nd July ✅️

Viewed two homes 🏡🏠

Unconditional 7th Aug 🎯

Settlement next month 🔑🍾

If you want fast communication, experience & knows how to get things done, call me 👌

Was a pleasure to help achieve your goal 🏁

Address

2/162 Durham Street, Tauranga Central
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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