Why Fixed Home-Loan Rates Haven’t Fallen Along with the OCR? 🤔
By Fundmaster | December 2025 If you’ve noticed that, even though the OCR has dropped, your bank’s fixed mortgage rate hasn’t budged much — you’re not imagining it. There’s real reasons for that. Let’s find a simple breakdown below: ✅ What’s happened with the OCR 🚧 Why fixed home-loan rates […]
Make Space, Make Money: NZ’s New Granny-Flat Rules — Is Yours Next?
By Fundmaster | Updated October 2025 Big news for backyard builders: the government’s new rules make it easier to add a granny flat up to 70m². But there’s a catch many homeowners aren’t clocking yet — your council rates could go up once that extra dwelling is in place. 🚦 […]
🏠 Housing Now the Most Affordable It’s Been for First-Home Buyers in 4+ Years
By Fundmaster | Updated October 2025 Good news for aspiring homeowners: New Zealand housing is now at its most affordable level for first-home buyers in more than four years. This shift reflects a rare combination of lower mortgage rates, stable or easing entry-level house prices, and gradually rising incomes. The […]
Mortgage Rates Slide After October OCR Cut — What Borrowers Should Do Now!
By Fundmaster | Updated October 2025 The New Zealand mortgage market is moving fast. Following the Reserve Bank’s latest Official Cash Rate (OCR) cut to 2.50% on 8 October 2025, both major and challenger banks have started trimming fixed and floating home loan rates. For borrowers, this marks one of […]
If the economy doesn’t pick up, one -year mortgage rates could drop to 3.99% – What that means for Kiwi homeowners
The Reserve Bank’s next move could reshape the mortgage market New Zealand homeowners are closely watching as the Reserve Bank prepares toannounce its next Official Cash Rate (OCR) decision this Wednesday. After several years of stability, interest rates have now fallen to their lowest point in morethan three years, and […]
OCR Drop Ahead: What This Means for NZ Mortgages in 2025
Summary The Reserve Bank is expected to reduce the Official Cash Rate (OCR) from 4.25% to 3.75% in February 2025, continuing a downward trend towards a neutral rate of 3% by mid-year. This shift is influencing bank lending rates, with some three-year mortgage rates already falling below 5%. International developments, […]
Multi-Property Refinancing in New Zealand: How to Structure Your Portfolio
Multi-property refinancing is a financial strategy that allows property owners to consolidate their existing mortgages into a single loan or to refinance multiple properties under one umbrella. This approach can be particularly beneficial for investors who own several rental properties or for homeowners with multiple residences. By refinancing, borrowers can […]