About Scott Carragher
Scott brings significant experience from the banking and finance industry to the mortgage advisory business.
He is excited to be able to continue to help people along their financial journey and towards their goals. Borrowing money can be complicated and Scott loves to simplify things and make things as easy as possible for his clients. There’s virtually nothing Scott can’t assist with and he is on a mission to help as many people as he can.
First Home Buyers
As a first home buyer, there are countless options for you to explore. Your KiwiSaver and government entitlements are just the start. Each bank and lender will treat your position differently so exploring all your options is important to make sure you are maximizing your opportunity for the best approval. With interest rates at an all time low, first home buyers are in the best buying position they have ever been in.
Your home loan is a large and often long-term financial commitment, so it makes sense to get it right first time to set yourself up for success. What’s right for you depends on a range of factors including the size of the loan you require, the property you intend to purchase, the deposit you have and your lifestyle.
Often, self-employed borrowers find meeting the lending criteria for standard home loans difficult. Business cash-flows create income that fluctuates more significantly than other borrowers. Business owners looking for home and business loans do have competitive options available to them.
Land & Construction Loans
A land and construction loan provides funding for building property or extensive renovations, so you have the lowest possible repayments during the construction phase.
There’s a lot to know about investment loans, such as how to choose the best investment loan that meets your needs and goals and knowing which loan will maximise your borrowing ability as an investor. A good investment loan can make property investment and portfolio management a much smoother process.
Home Loan Top Up
You may want to go on holiday, buy new furniture, upgrade the car or pay for medical expenses, or even plan your wedding. A home loan top up may be a good way to get the extra funds you need.
Many people refinance to get a better rate, consolidate debt, renovate or free up equity. If you’re thinking of refinancing, it’s important to weigh up the cost of refinancing against the long term benefits.
As the name suggests, a bridging loan ‘bridges the gap’ between two home loans. Bridging home loans are a good way to buy a new property before the sale of your existing home.
Is property still a good investment?
There's no doubt; many potential property investors were spooked by the government's housing policy changes announced in March. What once was a cast-iron investment option suddenly seemed less attractive. However, despite the changes to tax concessions and the bright-line test, there's little evidence that landlords are selling up in any significant numbers. So, is property still a good investment?
First home buyer stress: 5 tips to help you manage the process for a better outcome
When it comes to stressful life events, buying your first home is up there in the top ten. Here we share some tips to help you manage the process for a better outcome.
Has The Government’s Housing Policy Changes Made A Difference?
This year's Budget had little of substance concerning the property market. However, given the significant housing policy changes announced in March, it’s probably not surprising.