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For many Kiwi voters, National's win in the recent election probably didn’t come as too much of a surprise — and you can bet that National’s focus, especially over the next 12 months, will be on driving through policies that are designed to bolster the New Zealand economy. So what will this all mean for homeowners and borrowers?

Price changes have now entered the upward leg of the house price cycle, and the demand coming from first home buyers which has created this situation is now being boosted by investors returning to the market. But will the end of the upcoming election bring huge changes to the housing market?

With the election almost over, warmer weather and spring home loan campaigns in full swing, there appears to be some life coming back in the market.

The election will do nothing medium term to interest rates. Fundamentally not much will change that would impact on inflation or on rates.