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We're starting to see commentators and even the Reserve Bank talk about falling house prices towards the end of next year. We shouldn't be surprised that none of these predictions are from real estate companies who bring the figurative cocaine to the house party. Here's my perspective on house prices from the frontline.

Our view is that mortgage rates will stay low for the foreseeable future, but they are unlikely to drop much further. To explain this, we'll look at the bigger picture, and shed some light on how the OCR affects mortgage rates.

Here’s my view of the year ahead and my rationale for that forecast. To be honest it’s no different from the view I’ve been writing about for the past six months.