There are loads of CPL's around NZ earning a pittance. Re. the above - are you resident in NZ, do you have permanent residency or citizenship? If so you can, if you go through an approved NZQA training establishment get a government student loan. Also,
Southland Institue of Technology do a Certificate in Aviation, that gets you the CPL - and you only pay for the hours, as they have a fee free scheme. I also know some of the Simuflite guys from Ardmore and Hamilton. AH is spot on about prospects (see D & G rumours page) - although if you were at 500ft amsl here you'd be underground!
(PS where in Scotland are you from - I'm from Glasgow)