Anne Miel 3/30/25 Anne Miel 3/30/25

The Official Cash Rate (OCR) Explained

The Official Cash Rate (OCR) is one of the most powerful levers the Reserve Bank has to steer New Zealand’s economy. It influences mortgage rates, inflation, spending, and even the exchange rate. Whether you're a homeowner, investor or saver, understanding how the OCR works is essential to making smarter financial decisions.

Anne Miel 3/30/25 Anne Miel 3/30/25

Should You Break Your Fixed Mortgage? Here’s How to Calculate If It’s Worth It

Thinking about breaking your fixed mortgage rate to get a better deal? Here's how to calculate the break cost, assess whether it’s worth it, and avoid common pitfalls. With the right strategy, breaking your rate could save you thousands.

Anne Miel 3/29/25 Anne Miel 3/29/25

How Offset Mortgages Work in New Zealand

Offset accounts are a smart tool for mortgage holders with savings—offering the ability to reduce interest without locking funds away. Here’s how offset mortgages work, who they’re good for, and when to consider one as part of your home loan structure.

Anne Miel 3/28/25 Anne Miel 3/28/25

Fixing or Refixing Your Mortgage: 3 Questions to Ask Before You Lock In

Whether you're fixing your mortgage for the first time or refixing an expiring loan, asking the right questions can save you thousands. Here’s what to consider before you commit to a new term.

Anne Miel 3/20/25 Anne Miel 3/20/25

Revolving Credit vs Floating Mortgage Account: What’s the difference?

Fixed-term mortgages may be the norm, but savvy borrowers often turn to floating and revolving credit accounts for flexibility and interest savings. So, what’s the difference—and when should you use each?