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Results: Mortgages

Person sitting on a go-kart on a track, heading downhill
26 March 2025

What the RBNZ’s planned OCR track means for mortgage rates

With a series of small but steady OCR cuts expected over the coming months, here's how that's likely to impact short- and longer-t...

Two young kids sliding down a slide together
20 March 2025

Rates still dropping, but some terms don't have much further to go

Now that the two-year rate is sitting below 5%—with most banks offering 4.99%—that's pretty close to where things are expected to ...

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

25 July 2024

Is interest rate relief on the horizon?

According to bank economists, rate falls are now pretty much a given by November—but ahead of our next OCR announcement, on 14th August, there's a growing argument it could happen even sooner.

Sun setting on the horizon
12 December 2023

Borrowers should concentrate on managing risk — not rate chasing

Chances are good that the official cash rate will be cut before the end of 2024 and even by the middle of next year. But should borrowers be focusing on trying to predict the ups and downs of the rates cycle?

Dog excitedly chasing tennis ball
01 November 2023

Is another OCR hike needed to tame inflation?

Some forecasters believe the Reserve Bank will need to raise the official cash rate from the 5.5% level they took it to in May. But is another hike really as necessary as some make it out to be?

18 October 2023

Once bitten, twice shy

While the annual inflation rate came in lower than anticipated at 5.6%, the Reserve Bank is unlikely to ease monetary policy anytime soon — and until wage growth heads back down to 3.5%, they may not even consider it. So what does this mean for Kiwi?

Four kids peeking outside playhouse cautiously

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.

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