Park bench against green hedge

Interest Rates

How are mortgage rates determined?

There are constantly mixed messages in the media around mortgage rates which we all know c...

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Post-election update on mortgage rates

The election will do nothing medium term to interest rates. Fundamentally not much will ch...

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End of tunnel

End of cycles | A world without interest?

Is our ‘low interest rate world’ the beginning of the end of money as we know it?...

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Percentage symbol made of clouds

The latest on mortgage rates | July 2017

For now, competition from the minnows is keeping rates lower, but for how long?...

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Red shoes, walking up stairs

Why interest rates won’t increase, much - June 2017

I love throwaway comments about interest rates. We even get them from Government Ministers...

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Dollar signs, JB video

Let's figure out your bank's break fees

When it comes to your mortgage it pays to know it inside and out. After all, when such a l...

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$50 notes in a pile

Cash rate cut, but are banks at their lower limit?

The cash rate has been cut once again by the Reserve Bank, but unlike previous cuts, this ...

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Pile of stones on beach

Why mortgage rates are set to increase

The Reserve Bank is still talking about low inflation and the potential for the OCR to dec...

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Arrow signs pointing in opposite directions

Mortgage rate forecast for 2016

The official cash rate (OCR) fell this week to 2.25% - it's lowest level since it's introd...

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Rates going up

Should I fix now (even if I need to break my fixed mortgage)?

Some bank economists are talking of further rates cuts so there shouldn't be a rush to fix...

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Close up of shoes, walking up stairs

Why I'd fix for 3 years

The Auckland housing market has predictably heated up again this year off the back of stro...

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Arrow signs pointing in opposite directions

Mortgage rate forecast for 2015

The 'good news' is that mortgage rates will stay low....

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Structure of cells

Understanding the term structure of interest rates

Would you be better fixing for 1 year at 5.60% or fixing for 2 years at 5.80%? That depend...

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Road signs both saying Rates

Mortgage rate strategy 2014 - Part II

The next Reserve Bank Official Cash Rate (OCR) announcement is on 24th April 2014....

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Two road signs that say rates

Mortgage rate strategies 2014

The Reserve Bank kept the Official Cash Rate (OCR) unchanged at its last announcement on t...

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Arrow signs pointing in opposite directions

Mortgage rate forecast: Can you hear the interest rate tom-toms?

I write this article a day after the consumer price index (CPI) inflation rate came out at...

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Business man pointing out upward trending graphs

Mortgage Rates | Forecast after July OCR

My personal view is the official cash rate (OCR) should not increase....

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Cars driving on a city street

Mortgage Rates | Fasten your seatbelts

You need to take a macro view of interest rates to work out the future. My view?...

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Drawing of a graph showing rates going up

Mortgage Rates | Rates on the increase

Short-term fixed mortgage rates have started to increase in anticipation of a June increas...

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Rates road signs pointing opposite directions

Mortgage rates | OCR unchanged at 2.50%

As expected the official cash rate (OCR) remained unchanged today. Better still, Big Al (t...

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Two arrow signs pointing in opposite directions

NZ Mortgage Rate Forecast 2010

For the past 12 months mortgage rates have been at historic lows....

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