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Results: Mortgage Rates

Small dog digging a hole
14 August 2025

Banks preemptively cut one- and two-year rates ahead of OCR verdict

We're a week out from our next OCR announcement, but the banks are already making moves—with all major lenders having dropped thei...

Hand doing crossed fingers signal against an orange background.
07 August 2025

Another 0.25% cut expected—but will the RBNZ signal more in the pipeline?

Wholesale interest rates have fallen over the last few days in response to market expectations of a 0.25% cut on 20 August—but mor...

Person balancing walking along a wooden beam in a park
30 July 2025

The future of interest rates hinges on RBNZ's next forecast

It's all pretty quiet on the interest rates front, as we await our next OCR announcement on 20 August. But it's not the OCR verdic...

17 July 2025

Opposing forces leave OCR outlook uncertain

On the one hand, the NZ economy still isn't in great shape. On the other, offshore uncertainty is causing concern around the future of inflation. So, what does that mean for the OCR in the coming months?

Man dressed in white and woman dressed in black standing facing each other on a giant chess board
03 July 2025

To cut or hold? Predictions mixed for RBNZ’s next OCR announcement

Interest rates are in a holding pattern right now, as we wait to see what the RBNZ has in store for us on 9 July. While some are expecting another 0.25% cut, many are expecting the RBNZ to hold at 3.25%.

Woman's hand stopping a line of falling dominoes
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 further, longer-term rates are a different story.

Cavoodle dog looking out the window of a truck
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 suit. But growing competition among the banks is helping keeping fixed rates in check.

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

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