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The Reserve Bank met expectations this week with another 0.5% increase in the official cash rate so it now sits at 3.5% compared with the record low just over a year ago of 0.25%.

With the Reserve Bank set to make its next OCR announcement this week, what does that mean for interest rates? JB shares his hot takes on that, and what's happening with house prices.

The market's been undeniably slow in recent months, but between stabilising interest rates and greater choice, buyers are starting to dip their toes in once more.

Recent interest rate hikes have hit the economy, hard. While the Reserve Bank forges on with aggressive OCR increases, the market is reading the signs.

Changes made to the official cash rate strongly affect floating mortgage rates, but when it comes to fixed rates it is expectations for what will happen with monetary policy that truly matter.

The experts have been predicting a “soft landing” for the New Zealand economy - but are we in fact well past the point of no return on the road to recession?

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?

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

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%.

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

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.

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.