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Results: Mortgages

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19 November 2025

Cashback competition heating up ahead of next week's OCR verdict

As interest rates near the bottom, some lenders are now offering bumper cashback deals to attract new business. Here's the latest ...

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06 November 2025

With OCR in stimulatory territory, the lowest possible rate not always best

A one-year rate at 3.99% would be pretty tempting stuff—but before locking in, borrowers should consider what happens when that lo...

Giraffe looming over a hole in the roof of a structure
30 October 2025

The bottom of the interest rate cycle looms closer

With the best one year rate at 4.39% and longer terms below 5.00%, we're getting very close to the bottom of the interest rate cyc...

25 September 2025

Interest rates set to drop as GDP result sparks calls for 0.5% OCR cut

Our latest GDP numbers caught everyone off-guard. And with some now calling for a 0.5% OCR cut on 8 October, interest rates are expected to fall over the next few weeks. Here's what it means for borrowers.

Person holding a sparkler with a backdrop of a dark night sky
13 March 2025

Borrowers favouring two-year term in wake of latest rate cuts

With most lenders now offering two-year fixed rates of 4.99%, borrowers have been flocking to the two-year term in droves. Does it still make sense to fix shorter-term in the current environment?

Woman standing in a street facing away from the camera, with arms outstretched and doing thumbs up
27 February 2025

Two-year fixed rates dip below 5%

A flurry of rate cuts following last week's OCR announcement has seen two-year fixed mortgage rates finally break the sub-5% mark. Here's what the news means for borrowers.

Duck diving underwater with its legs and tail in the air
08 January 2025

With sub-5% rates on the horizon, borrowers should seek tailored advice

As we edge closer to the bottom of the interest rates cycle, fixing short-term is no longer (necessarily) the best solution for all—and borrowers should be seeking personalised mortgage advice.

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Keen for the best rate and some cash too?

We've teamed up with award winning mortgage experts, Squirrel.

With over 1,425 five star reviews on Shopper Approved, Squirrel has helped thousands of Kiwis just like you secure the best possible rate when refixing or refinancing. Squirrel often beats the advertised rates so it's worth getting them to review your mortgage.

shopper approved logofive star revews
R

Ryan

New Zealand

five star revews

The service I got from Squirrel was extremely efficient. They dealt with my loan so easily and achieved a result greater than what I was expecting.

J

Jo

New Zealand

five star revews

Highly recommend Squirrel to sort out a mortgage with the banks takes the hassle out of going to separate banks with so much information they do the hard yards for you - Baz was a superstar and helped me all the way to my new home.

Get a free mortgage review

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