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When he had a look at the RBNZ OCR decision, Westpac Chief Economist Dominick Stephens had a couple of choice statements.

Mortgage interest rates are set to stay low for the foreseeable future but I think they are very much now at their lowest point.

TSB grabbed headlines in February when it came out with a 10 year fixed rate of 5.89%.

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

This article contains time sensitive advice about what you need to think about in the next 3 days before the next Reserve Bank OCR change on Thursday 12th April 2014.

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

We had a Monty Python moment this week with the first OCR change in almost four years.

The Reserve Bank kept the Official Cash Rate (OCR) unchanged at its last announcement on the 30th January but is widely expected to increase the rate at its next meeting on the 13th March.

For years now I've ranted and raved about mortgage rates. One of the reoccurring themes is that mortgage rates are strongly influenced by household behaviour - "fear."

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

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

As expected the official cash rate (OCR) remained unchanged today. Better still, Big Al (the "Gov") left the door open to not start pushing rates up until later in the year.