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, whatever those may be. Lending can be over-complicated, Scott loves to simplify things and make it as easy and stress-free as possible for his clients to obtain finance. Helping people achieve their goals is very rewarding and Scott is happy that he can continue to help as many people as possible.
Scott has worked for NZ’s largest bank for over 7 years in both Business Banking and leadership roles including management of four different branches across Christchurch and North Canterbury
Scott is a family man who loves sports and finance. He has a busy life with two young sons and is also an active property investor. On the weekend he will often be found on the tennis court, the cricket ground, or down at the beach.
Scott’s experience in business banking means that he can deal with a wide range of clients. It also means there aren’t many situations that Scott hasn’t seen when it comes to finance. No matter what your situation is, Scott is able to help.
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.
Property price growth is slowing according to latest data
Has the property market boom ended? It’s possible with the latest property data showing signs that some of the rocket fuel is out of the market, and concerns about inflation and higher mortgage rates could be having an impact.
Record approvals favour buyers by offering more choice
Confidence in the future of the property market remains at record levels after two years of world-leading growth in property values, despite a fourth successive mortgage hike. The increase in building activity will boost the supply of homes becoming available and could substantially help first-time buyers enter the market.
Cranes on skyline promise rise in off-the-plan purchases
If you’re worried about the future of our economy and wondering if this is the right time to buy a property, look no further than the skyline for your answer. Why is this important? Because property is a long-term game, and smart buyers think beyond today’s headlines.