The Reserve Bank of New Zealand has increased the Official Cash Rate (OCR) by 25 basis points, taking it from 2.25% to 2.50% following its July 2026 review. For New Zealand borrowers, this marks an important change in direction. After holding the OCR at 2.25% through the earlier reviews of 2026, the Reserve Bank has … Read more
The Reserve Bank of New Zealand has held the Official Cash Rate (OCR) at 2.25% following its April 2026 Monetary Policy Review. At face value, this looks like a non-event. No change. No movement. But beneath the surface, the tone has shifted, and the implications for borrowers are more important than the headline. Quick Summary … Read more
The Reserve Bank of New Zealand has announced that the Official Cash Rate remains unchanged at 2.25 percent following its February 2026 Monetary Policy Review. This decision signals a continued cautious approach as inflation tracks within the target band while economic conditions gradually stabilise. For homeowners, buyers, and businesses, the OCR remains one of the … Read more
Explore the pros and cons of fixing your mortgage and what to consider before locking in your interest rate. Table Of Contents: What Is a Fixed Rate Mortgage? Benefits of Fixed Rate Mortgages How Long Should You Fix Your Mortgage For? Fixed vs Floating Interest Rates Understanding Early Repayment Fees Comparing Home Loan Rates Using … Read more
Understanding the Mortgage Landscape in 2025 Navigating the mortgage market in 2025 requires a keen understanding of interest rates, economic conditions, and lender policies. With the official cash rate that is set by the Reserve Bank of New Zealand, mortgage interest rates continue to shift, affecting both new buyers and existing homeowners. As inflation trends … Read more
What are Interest Rates in NZ? Definition of Interest Rates Interest rates determine the cost of borrowing a lump sum of money, expressed as a percentage of the loan amount. In New Zealand, interest rates are essential for both borrowers and lenders, as they influence the overall cost of loans and the return on investments. … Read more
Want to find the top mortgage brokers in Auckland? This guide highlights the best brokers to help you secure competitive home loan rates and provide expert advice tailored to your needs. Key Takeaways TAG offers comprehensive and personalised mortgage solutions, specialising in first & second time home buyers, property investors, and refinancing, leveraging deep industry … Read more
When obtaining a mortgage, the interest rate is one of the most critical factors to consider. Even a slight difference in the interest rate can significantly impact your monthly payments and the total amount you’ll pay over the life of your mortgage. That’s where getting mortgage advice from mortgage brokers comes in. In this blog … Read more