๐ฃ RBNZ cut OCR to 2.25% on 26 November 2025, a modest but cautious -0.25% move. ๐The OCR has dropped from a peak of 5.50% in July 2024, marking a -3.25% decline over the past 17-months. ๐ตAnnual CPI inflation was +3% in Sept 2025, at top of the 1โ3% RBNZ ...
๐ฐ๐ฆ๐บ๐ฎ๐น๐น ๐๐ ๐๐ฟ๐ฎ ๐ฃ๐ฎ๐๐บ๐ฒ๐ป๐๐ = ๐๐ถ๐ด ๐ช๐ถ๐ป๐๐ฆ
November 24, 2025
Increase repayments on a $600,000 5% average 30-year mortgage just once by 5% in your first year and you could:๐น Pay off your mortgage 3 years faster๐น Save $66,315 in interestEven one small increase adds up.๐ช Increase repayments +5% ๐๐๐๐ ๐ฎ๐๐๐ง...
How I'd Borrow Today - And Why You Might Too
October 9, 2025
๐ With the Reserve Bank accelerating their rate cut yesterday, fixed mortgage rates may be near this cycle's low.๐ To manage inflationary risk and smooth out exposure to future rate hikes, Iโd look to split lending equally across multiple fixed terms โ say 1๏ธโฃ,...
June 2025 Market Update ๐ฆ
July 18, 2025
๐ฆ๐ก๐ญ ๐ ๐ถ๐ด๐ฟ๐ฎ๐๐ถ๐ผ๐ป ๐ง๐ฟ๐ฒ๐ป๐ฑ๐โข Net migration to NZ dropped to +๐ญ๐ฑ,๐ฌ๐ฌ๐ฌ in the year to May 2025, down from +80,300 a year earlier and +135,000 in Oct 2023.โข NZ ๐น๐ผ๐๐ ๐ฏ๐ฌ,๐ฌ๐ฌ๐ฌ ๐ฝ๐ฒ๐ผ๐...
ใฝ๏ธ In times of heightened uncertainty, it's crucial to adapt. Here are some key takeaways following the 9 April OCR announcement:โญ๏ธ Fixed Mortgage Rates: Opting for medium to long-term fixed mortgage rates can provide stability by eliminating volatility in cash flows...
๐ฆ The RBNZ Monetary Policy Committee has cut the OCR by 25 basis points to 3.5% as of 9 April 2025.๐ฑ Inflation is stable, but weak household spending and global trade barriers pose risks.๐ฅ The Committee is ready to adjust further if needed.Get in touch with Kea Mort...
March 2025 Market Update ๐ฆ
March 25, 2025
๐ฆ The NZ Valocity House Price Index rose 1.5% since its 2024 trough with a national average house price of $969,939 as at March.๐ก Lower mortgage rates have shifted the market's volume and direction, fostering optimism in Q1 2025. Lower rates being directly correlated t...
January 2025 Market Update๐ฆ
January 6, 2025
Interest Rate TrendThe Reserve Bank of New Zealand (RBNZ) in November 24 reduced the Official Cash Rate (OCR) by 0.50%, bringing it down to 4.25%. This reduction is part of a series of cuts aimed at stabilizing the economy. As a result, mortgage rates have also decreased, wi...
Merry Christmas!
December 20, 2024
Good news for Borrowers
December 9, 2024
Good News for Borrowers: OCR Cut to 4.25%!On November 27, the Reserve Bank of New Zealand (RBNZ) cut the Official Cash Rate (OCR) to 4.25%, down from 4.75%. This marks a significant reduction of 1.25% since August 2024, bringing it down from the peak of 5.50% it held for ove...
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