Market updates & commentary
What's actually happening with rates
A monthly read on the OCR, where mortgage rates are heading and what changed in lending rules. Written for borrowers, not economists.
Latest first
Every update
Rates move, rules change, and most of the commentary out there is written for people who already understand it. These are not.
First home buyers are now a record share of the market. Here is what that means if you are trying to buy
First home buyers made up 29% of all NZ property sales, the highest share on record. Here is what is driving it, what has quietly changed, and the five things worth doing before you start looking.
Read itYour fixed rate is rolling off. Here's the six week plan.
Most people deal with a roll-off in the week it happens, which is the one week you have no leverage. Here's what to do instead, starting six weeks out.
Read itBidding at a Christchurch auction: what unconditional means
Raising your hand at an auction is signing an unconditional contract. Here's what your pre-approval does and does not protect you from.
Read itNo cost · No obligation
Want this applied to your own loan?
General commentary only goes so far. Tell us your rate and when it rolls off, and we'll tell you what it means for you.
- A straight answer on what you can borrow
- 20+ banks and lenders compared for you
- No fees to you on home and investment loans
- A reply within 24 business hours
★★★★★ 69 five-star Google reviews · 20+ lenders compared · Top 25 NZ Mortgage Adviser