market news

Home Loan Channeling Guide

14 April 2026
Home loan channeling is the practice of routing your income — your salary, your business takings, any money that hits your account — through a specific part of your mortgage, instead of through a standard transaction account. That specific part is usually a revolving credit facility (sometimes called a flexi loan, orbit, or rapid repay […]
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The OCR and the economist

9 April 2026
The Reserve Bank of New Zealand held the OCR at 2.25% yesterday and the tone out of Governor Breman’s statement was noticeably more hawkish than most borrowers were expecting. If you have a mortgage coming up for refixing in the next few months, this decision matters. Here’s what you need to know, plus a story […]
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Iran, $4 Petrol, and Your Mortgage

22 March 2026
We were all expecting 2026 to be the year of the big drop. We had our eyes on those 3% rates, ready to finally catch a break. Then the Middle East flared up, the Strait of Hormuz got messy, and suddenly that light at the end of the tunnel looks a bit more like a […]
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Iran, Oil, and Your Mortgage: A “What is Going On?” Guide

3 March 2026
Someone asked me the question yesterday, my immediate answer was “I don’t know” as I don’t even know where to start talking about it.The news out of the Middle East right now is a lot to take in, and you’re probably wondering what a conflict thousands of kilometers away has to do with your house […]
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NZ Mortgage Update February 2026: What the OCR Hold Means for Auckland Homeowners

27 February 2026
The Reserve Bank of New Zealand (RBNZ) has held the Official Cash Rate (OCR) steady at 2.25% in their latest February 2026 announcement. For Auckland homeowners and first-home buyers, this brings a sense of stability after a period of fluctuation. While the OCR remains unchanged, we are seeing a “mortgage price war” among major banks. […]
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Market News

27 February 2026
Market update 27-02-2026 As of late February 2026, New Zealand’s mortgage market is experiencing a shift as major banks like BNZ cut long-term rates (3-5 years) while others, such as ANZ and Westpac, have adjusted rates, with some lifting in response to inflation concerns. Following a 2025 OCR drop to 3.5%, rates are largely flat, […]
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"Building our dream home felt like a mountain of paperwork until we met Riona. She is an absolute expert in construction loans and helped us navigate the progress payments and builder's contract with ease." — Mark & Janine, Beachlands

“We needed to expand our small bike shop and weren't sure where to turn for finance. Lyn was incredible, she understood our business model immediately and secured the funding we needed to grow. We couldn't be happier with the result." — The Team at Cyclenet

"As first-home buyers in a shifting 2026 market, we were nervous about our deposit and the banks' lending criteria. Ray held our hands to take simple steps and helped us secure our first home in Flat Bush. Ray is the most patient and knowledgeable adviser we’ve worked with." — Anita & Sam

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