Thanks for your thoughts Mr Crusty Operator. For anybody that doesn't have the resources (time or money), the student loan scheme is a fantastic oportunity to get your aviation career started. The operators that wouldn't employ a student loan pilot are more few than abundent, and to be honest, if that is their ethic, I would rather not fuel their choppers let alone fly one.
I agree that there are NZ instructors that may not have a wealth of experience, but as rotortorque mentioned, this is not necessary in some facets of flying and here is where a C cat can offer much enthusiasm and certainly patience.
The teaching industry here is not financially attractive for experienced pilots to return to the stable and pass on their experience to new pilots - and that is a terrible shame. For the meantime, and for new C cats - there is a lot to learn, and there is no substitute for knowledge for you at this stage so keep reading and re-reading and enjoy your instructing.