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16 June 2022

Making sense of the current market as a first home buyer

So, the tables have turned and we've finally entered a buyer's market - but how do you navigate the apparent minefield of increasing mortgage rates and falling house prices?

07 April 2022

Market update: House prices take a hit, but do they have further to fall?

With so many different forces playing out in the market right now - interest rates, inflation, the border reopening - how far might they go?

29 March 2022

Squirrel rate increase delivers even higher returns for investors

We come bearing good news, investors! As of the 21st March 2022, the rate of return across two of our Investment Classes – Home Loans and Construction Loans – has increased by 0.25%.

28 October 2021

Is it better to fix or float your home loan?

In this article we’re looking at how to pick the right fixed home loan rate term in a rising interest rate environment.

08 August 2019

OCR slashed from 1.50% to 1.00%

There’s something mildly exciting about the Reserve Bank doing something unexpected. It’s like finding $5 in your jeans. I’m a borrower so I’m loving the prospect of lower rates but I’m also a realist and know that the reasons behind the OCR dropping are worrying. We should all be using this opportunity to pay back debt and build safety buffers into our lending.

21 May 2019

Mortgage Rate Forecast 2019 and 2020

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.

10 October 2018

The 12 month rate fix (part 1)

12 Month interest rates are particularly appealing at the moment. Kiwibank has most recently offered a 12-month fixed rate sub 4% and many banks are moving in the same direction. This is fantastic for the next 12 months, however it pays to think about what you are going to do post the expiry of this rate.

08 August 2018

What’s happening with interest rates?

I get asked daily what’s happening with interest rates. To answer this question, it’s useful to first define what may affect interest rates. The major influence on interest rates is inflation. As inflation rises, interest rates rise to curb inflation (spending). As inflation falls, interest rates fall to spur spending and economic growth.

22 March 2018

BREAKING NEWS – The OCR didn’t change

In typical tabloid fashion, the media desperately try to make news out of anything that drives fear and every eight weeks or so we have the anticipated build up to an OCR announcement.

01 March 2017

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 large sum of money is at stake the last thing you want are surprises and unexpected costs.

06 February 2017

Banking on margins

The reality is that the industry is looking to mortgage margins to restore profitability from a tough 2016.

18 January 2017

Mortgage rate forecast for 2017

Banks are blaming higher mortgage rates on higher funding costs even with the OCR at historic lows. That’s a convenient half truth. There are three factors in play.