How I'd Borrow Today - And Why You Might Too

📉 With the Reserve Bank accelerating their rate cut yesterday, fixed mortgage rates may be near this cycle's low.
📊 To manage inflationary risk and smooth out exposure to future rate hikes, I’d look to split lending equally across multiple fixed terms — say 1️⃣, 3️⃣, and 5️⃣ years.
📈 This strategy helps average out rates over time and cushions against market volatility.
🔒 Personally, I’d lean toward fixing a portion for 5 years at 4.99% for long-term certainty, while still benefiting from the short-term 💸 cash flow advantages of 2-year and under term rates, now below 4.50%.
⚠️ Disclosure: All borrower situations are unique, so speak to a mortgage adviser first.
📌 Thinking about restructuring your mortgage?
Now’s a great time to review your lending strategy and reduce exposure to rate volatility.
👉 Contact us at www.keamortgages.co.nz — simplify your loan journey