Karen Raggett - Mortgage Adviser

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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 Policy 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

Saving a 20% deposit is often the biggest hurdle facing first home buyers, but it isn't the only way onto the property l...
15/10/2026

Saving a 20% deposit is often the biggest hurdle facing first home buyers, but it isn't the only way onto the property ladder.

Between lower-deposit options like the 5% First Home Loan Scheme and housing affordability returning to long-term averages across the country, getting into your first home might be closer than you think.

Ahead of the upcoming general election, there are also ongoing discussions around potential policy changes that could open up eligibility to even more first home buyers.

Our latest blog breaks down how recent market shifts impact your buying power right now and what these options could mean for your future plans.

👉 Read the full blog here:
https://adviser.loanmarket.co.nz/karen-raggett//blog/first-home-buyers-may-not-need-a-20-deposit/

We’re dedicated to supporting your financial goals, no matter how big or small. Receiving feedback like this truly means...
14/10/2026

We’re dedicated to supporting your financial goals, no matter how big or small.

Receiving feedback like this truly means the world to our team. 🤝🚀

Ready to take the next step? Let’s chat. 💬✨

🎄 Tinsel THURSDAY! 🎄If you didn’t already know, I’m a HUGE Grinch when it comes to Christmas! 😂💚But this year, I’m redee...
14/10/2026

🎄 Tinsel THURSDAY! 🎄

If you didn’t already know, I’m a HUGE Grinch when it comes to Christmas! 😂💚

But this year, I’m redeeming myself by spreading a little Christmas cheer and giving away TWO FREE TICKETS to Bramble’s amazing Christmas workshop! 🎁✨

Now, before you think you need to be crafty to join in… let me tell you, NO EXPERIENCE IS NEEDED! 🙌

I recently attended Bramble’s last workshop and look what I created! 👇 (Even I was impressed! 😂)

We had a step-by-step tutorial, bubbles 🥂, nibbles 🧀 and plenty of laughs. It was such a fun afternoon!

🎅 SO, HERE’S YOUR CHANCE TO WIN!

Who do you know who deserves a lovely afternoon out, loves getting creative, or is absolutely OBSESSED with Christmas? 🎄❤️

👇 TO ENTER:
✨ Tag the person you’d love to take along.
✨ Share this post to spread the Christmas cheer!

You’ll be in the draw to win TWO FREE TICKETS to enjoy this fabulous workshop together! To be drawn 29th October 🎁

Let’s see if this Grinch can spread a little Christmas magic after all! 💚😂
https://www.brambles.co.nz/

When you go direct to a bank, you only get the home loan products that single bank wants to offer you and once the paper...
12/10/2026

When you go direct to a bank, you only get the home loan products that single bank wants to offer you and once the paperwork is signed, you are left on your own.

A mortgage adviser works differently. We look across the market to find the right solution for you today, and we stay in your corner as interest rates change, fixed terms roll over, and your long-term financial goals evolve.

You deserve more than an off-the-shelf transaction. You deserve a partner by your side for the long haul.

Ready to get a mortgage adviser in your corner? Send us a message to get started.

I'm 4 weeks from being in my 'other' office. Preparations have been happening all off season.Mechanically ✅Physically ✅M...
11/10/2026

I'm 4 weeks from being in my 'other' office. Preparations have been happening all off season.

Mechanically ✅
Physically ✅
Mentally ✅

You can't just jump into a 200mph race car without being prepared. Likewise making one of the biggest purchases in your life needs preparation.

Join my team and I will help you start to finish line. I have the grit, determination and experience you need!🏁






Decoding financial jargon across generations. 💬From Gen Z slang to Baby Boomer terminology, here is how different age gr...
08/10/2026

Decoding financial jargon across generations. 💬

From Gen Z slang to Baby Boomer terminology, here is how different age groups break down the loan-to-value ratio.

Swipe through to see how your cohort translates LVR.

📍Friday Fact!“My bank said NO, so I have no other options.”❌ WRONG!Just because one bank says no doesn’t mean your home ...
08/10/2026

📍Friday Fact!

“My bank said NO, so I have no other options.”

❌ WRONG!

Just because one bank says no doesn’t mean your home ownership dreams are over!

If a main bank like ANZ, ASB or another major lender can’t make it work, there may be other options available.

💡 This is where non-bank lenders can make a real difference!

Lenders like Avanti, Pepper, Liberty or Base Corp offer alternative lending solutions for people who may have a more complex financial situation, including:

✅ Self-employed borrowers
✅ People earning overseas income
✅ Applicants with credit impairments
✅ Those with outstanding IRD arrears

Every situation is different, and the right solution depends on your circumstances and the lender’s criteria.

🎯 My job isn't just to find you a loan. It's to find a way forward.

So, before you give up because one bank said no, let's talk! There may be more options than you think.

📩 Get in touch today and let's see what's possible!

“Amateurs practise until they get it right. Professionals practise so they don’t get it wrong.” 💯When it comes to your m...
07/10/2026

“Amateurs practise until they get it right. Professionals practise so they don’t get it wrong.” 💯

When it comes to your mortgage, experience matters.

Engage a professional mortgage adviser and SMILE. 😁🏡🔑

Well Tuesday just got sweeter 😁Cheers to Rothbury Insurance for this prize I won at BNI this morning! Best I get back to...
05/10/2026

Well Tuesday just got sweeter 😁

Cheers to Rothbury Insurance for this prize I won at BNI this morning!

Best I get back to reformer pilates in the morning 💪



It's easy to put your mortgage on set-and-forget, especially when life gets busy.Finding out what yours could actually b...
04/10/2026

It's easy to put your mortgage on set-and-forget, especially when life gets busy.

Finding out what yours could actually be doing for you is where things get interesting. We can help you explore refinancing to a new lender to secure better terms, take advantage of cashback incentives, or lower your repayments.

With access to 30+ banks and lenders, you won't be left guessing which option is right for you.

Reach out for a no-obligation chat to make sure you aren't losing interest. 💡 🏠
https://adviser.loanmarket.co.nz/karen-raggett/products-services/refinancing/

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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