OCR Unchanged - What This Means for Your Mortgage
The OCR remains unchanged. What does this mean for your mortgage? We explain rate trends, fixing strategies, and how to manage lending risk in NZ.
Westpac Increased Its 2–5 Year Rates After an OCR Cut — Here’s What’s Really Happening
Westpac has raised its 2–5 year mortgage rates despite an OCR cut. This article explains why fixed rates depend on swap rates and market expectations, and how borrowers should choose the right mortgage strategy in a shifting...
Offset vs Revolving in New Zealand Mortgages — Which Structure Works Best for You?
Learn how Offset and Revolving accounts work in New Zealand mortgages — their differences, benefits, and tax implications. Discover smart loan structures to reduce interest and build long-term wealth.
What Is a Cross Lease Property in New Zealand? Pros, Risks, Lending Insights and Smart Strategies
Discover what a Cross Lease property in New Zealand really means. Learn the pros and cons, Flat Plan risks, mortgage considerations, and smart strategies to buy with confidence.
Refinance Home Loans in NZ: 7 Hidden Benefits Beyond Cashback
Discover 7 hidden benefits of refinancing your home loan in NZ — from loan structure upgrades to cashflow flexibility, beyond just cashback.
10-Year Interest-Only Mortgage in NZ: Should You Take It?
ANZ’s new 10-year interest-only loan brings long-term flexibility to New Zealand property investors. Explore the benefits, drawbacks, and who this loan is best suited for.
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