Latest news | MortgageRates.co.nz

Results: Mortgages

Life preserver floating on water
04 February 2025

With rates expected to track further downwards, is it better to fix or float?

As we gear up for our first OCR announcement of the year on 19 February—expected to bring a 0.50% cut—here's what that means for m...

Man measuring length of lapel of black suit
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 al...

Hand holding the numbers 2025
17 December 2024

Predictions for NZ interest rates and the OCR in 2025

After a tough few years, we're on the slow road to recovery—and things should continue to look up in 2025. Here are our prediction...

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
19 May 2023

Will there be a return of the 2.99% five year rate?

Where are fixed mortgage interest rates likely to average over the next 5-10 years, and will there be a return of the 2.99% five year rate?

Little girl looking over a crowd
04 May 2023

Are Kiwi households tightening up spending habits enough?

For Kiwi borrowers, times are tough and by necessity set to get tougher for those with rates rolling off in the next few months. With the chance of the Reserve Bank nudging the OCR higher by a final 0.25%, should Kiwis be fearing the worst?

Grocery shopping

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

All fields are required