While the OCR remains unchanged, we are seeing a “mortgage price war” among major banks. Fixed rates are currently dipping, with some one-year specials hitting as low as 4.39%. With nearly 70% of NZ mortgages due for renewal this year, 2026 is truly the “Year of the Refix.”
At Homelend, we’re helping East Auckland families navigate these changes. Whether you are looking to refix, curious about construction loans, or ready to buy your first home, our team is here to ensure you get the most competitive rate available.
Need help making sense of this for your mortgage or next move?
Talk to Homelend →