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From the My Mortgage Blog

April OCR drop - what's happening with interest rates?

April 9th 2025You might have seen the headlines—floating interest rates have dropped across most of the main banks following the recent OCR review. That’s great news... but if you're like most Kiwis with a fiRead more

Should I break my loan to get a cheaper interest rate?

April 7th 2025With interest rates now really starting to drop, a lot of people are looking at the new interest rates and potential savings and are asking: “Should I break my fixed loan early to get a lowerRead more

CASE STUDY: Should I upgrade my home or buy a rental property?

April 3rd 2025Jason and Sarah are professionals in their late 30’s, with three children, living in Tauranga. They purchased their first home in Hamilton 10 years ago, and 5 years ago, they decided a move to beRead more

Loan Term vs Fixed Term - What's the difference?

February 10th 2025Greg explains the difference between a 'loan term' and a 'fixed term' and breaks down the jargon. Watch the video and check out the examples below to learn more. Read more

What is a cashback and am I eligible for one?

February 3rd 2025The good news? You probably are! A cashback contribution is a financial incentive that banks offer to borrowers when they take out new lending. While banks may refer to it by different names, itRead more

Tips to repay your mortgage faster

January 27th 2025Each time a payment comes out for your mortgage repayments, it feels like it is a never ending flow of money from your account and if you're near the start of your mortgage, 30 years seems like aRead more

Thrive in 2025 - our predictions for the year

January 13th 20252025 is shaping up to be a big year for Kiwi homeowners, buyers, investors, and mortgage holders. With economic shifts, evolving government policies, and new trends, here are my top five predictions.Read more

Why you should split your lending between banks

January 13th 2025Sign Up for February 2025 Interest Rate Webinar hereRead more

Renovate or upgrade?

January 6th 2025This is a question I’m hearing a lot lately as homeowners consider the most cost-effective option for their next move. The answer depends on several factors, including location, financialRead more

What should I do now the OCR has dropped?

November 29th 2024The OCR was dropped once again yesterday afternoon by 0.5% to 4.25%, and immediately most of the major trading banks have dropped their floating or variable rates. As of Friday 29th, no word yet onRead more

Should You Fix for 6 or 12 Months After the Latest OCR Cut?

October 24th 2024The Reserve Bank of New Zealand’s recent decision to cut the Official Cash Rate (OCR) by 0.50% has changed the game for borrowers. With more cuts predicted, many are left wondering: should you fixRead more

Connecting People Through a Community

October 1st 2024The Junior Community Rugby Festivals provides a one day festival across six regions throughout New Zealand. On Sunday 14th August we held our 5th Junior Community Rugby Festival at Swarbrick ParRead more

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