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Results: Advice

Cavoodle dog looking out the window of a truck
26 June 2025

Mortgage rates trucking along as is for now

It's all looking pretty quiet on the interest rates front at the moment. While shorter-term rates are expected to fall a little fu...

Close-up shot of a checkmate move in chess, knocking the king down.
12 June 2025

Competition keeping mortgage rates in check, despite rise in wholesale rates

Wholesale rates have gone up slightly in the wake of our latest 0.25% OCR cut, raising concerns that mortgage rates may follow sui...

Parachuter coming in to land at sunset
29 May 2025

Another OCR cut in the bag—and we're almost at the bottom of the rate cycle

The Reserve Bank dropped the OCR by a further 0.25% this week, down to 3.25%—meaning we're now within reaching distance of the bot...

27 January 2023

Be wary of the five year fix

Inflation has peaked, and with business and consumer confidence readings at appallingly low levels the weakness in the economy this year will see inflation fall away. But can we safely say that fixed interest rates have peaked as well?

Couple working out finances
17 January 2023

Have most fixed mortgage rates already peaked?

The new year of 2023 is upon us and the big concern for people who did not lock their mortgage interest rate in for five years when rates were 3% or thereabouts over 2020-21 is how much higher fixed rates will go as the year progresses.

Board with 'When will it end?" displayed
16 December 2022

Fixed rates are most likely at their peaks

I am 90% confident that fixed rates are now at their cyclical peaks. The chances are very strong that the fixed rates for two years and beyond will be falling before the middle of 2023. - Tony Alexander, economist

Rear view of man standing on mountain peak
03 August 2022

Rates increasingly look like they have peaked

Inflation numbers have come out higher than expected offshore so expectations have grown that central banks will continue to raise their interest rates at a rapid pace. But therein lies some important information.

Hands holding phone showing rates graph

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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