Insights

Expert Financial Advice

Insights and updates on financial advice, mortgage, insurance, 

and KiwiSaver.
01 Jan 2025

Kick-Start the New Year with Financial and Lifestyle Habits You’ll Actually Stick To

There’s something magical about the start of a new year. It’s like a giant reset button – a chance to reflect, set new goals, and feel optimistic about the months ahead. But while resolutions often start strong, they can quickly fizzle out if they’re too big or too boring. So, let’s talk about kick-starting 2025 […]

A hand proudly holds a fan of colorful New Zealand banknotes, ranging from the 5 to the 100-dollar denominations, against a suburban house and blue sky. These vibrant notes symbolize economic stability as influenced by the Reserve Bank's careful adjustments to the Official Cash Rate.
27 Nov 2024

Reserve Bank Cuts Official Cash Rate by 50 Basis Points

Updated 4 December 2024 The Reserve Bank of New Zealand (RBNZ) on 27 November reduced the Official Cash Rate (OCR) by 50 basis points, bringing it down to 4.25 percent. Economists and market commentators suggest that this significant cut reflects the central bank’s strong commitment to stimulating the economy amidst ongoing challenges. With the drop […]

22 Oct 2024

Rates Are Dropping: Should I Break, Fix or Float?

Updated: October 23, 2024 Following the Reserve Bank of New Zealand’s announcement that it had dropped the OCR by 50-basis points to 4.75 percent on October 9, we have seen all the main banks drop their rates. ANZ led the way by dropping it’s one-year rate to 5.59 percent, with ASB and BNZ following suit. […]

09 Oct 2024

More Good News for Homeowners

More Good News For Homeowners RBNZ October OCR announcement: What you need to know: Today’s announcement from the Reserve Bank of New Zealand (RBNZ) Monetary Policy Committee that the Official Cash Rate (OCR) will be reduced to 4.75 percent brings fresh momentum to the property market. This decision to cut the OCR by 50 basis […]

A child joyfully jumps on a sandy beach, wearing a blue shirt and jeans. In the background, three adults stand near the shoreline, with the ocean and umbrellas visible under a clear blue sky.
23 Sep 2024

Interest Rate Insights: September 30

Last reviewed September 30, 2024 Following the Reserve Bank of New Zealand (RBNZ) cut the Official Cash Rate (OCR) last month, we have seen a slow, but steady, decline in interest rates.  Across the main banks, six-month rates are hovering around the high sixes (6.79 – 6.85 percent), while one-year rates are sitting at 6.19 […]

Three people sitting at a table with papers and a laptop, engaged in a discussion. A woman on the right, smiling, points at a document that a man on the left is holding. It's an exciting moment for these first home buyers as they navigate their new journey together.
21 Aug 2024

Interest Rate Insights: August 21

On August 14, the Reserve Bank of New Zealand (RBNZ) cut the Official Cash Rate (OCR) by 0.25 percent to 5.5 percent. It was the first time the OCR had been cut since March 2020 With the RBNZ acknowledging that inflation now seems to be largely under control, the market and most economists are pricing […]

A man and woman sit among moving boxes in a sunlit room, playing with a small dog. The woman holds the dog’s paw while smiling; the man gestures playfully with the dog. A ladder and rolled-up carpet are in the background, indicating a recent move.
18 Aug 2024

Bottom of the Market: Now is the Time to Buy

Why the Real Estate Market is Ripe for Savvy Buyers New Zealand’s real estate market is at a crossroads, and the question on everyone’s mind is whether now is the right time to buy… The answer, as it often is with real estate, is nuanced and not straightforward. However, there are lots of signs that […]

A woman in business attire shakes hands with a smiling woman in casual clothes, while a man stands beside them in a modern living room. The room features large windows, showcasing an outdoor view.
14 Aug 2024

August OCR Announcement – what you need to know…

In it’s August review, the Reserve Bank of New Zealand (RBNZ) Monetary Policy Committee announced that the Official Cash Rate (OCR) would be cut to 5.25 percent. According to the RBNZ announcement, the Monetary Policy Committee noted “that the weakening in domestic economic activity observed in the July Monetary Policy Review has become more pronounced […]

05 Aug 2024

Interest Rate Update: August 5

Insights Update: What’s Happening to Interest Rates? The consensus among market analysts and economists is that the Reserve Bank of New Zealand Official Cash Rate (OCR) will drop no later than November of this year, with a significant chance of an earlier reduction. Current market pricing indicates a 100% chance of an OCR cut by […]

10 Jul 2024

July OCR Announcement: What You Need To Know

July OCR Announcement – what you need to know… Today the Reserve Bank of New Zealand (RBNZ) Monetary Policy Committee announced that the Official Cash Rate (OCR) would remain at 5.5 percent. According to the RBNZ announcement, ‘restrictive monetary policy has significantly reduced consumer price inflation, with the Committee expecting headline inflation to return to […]

Sign up for our Newsletter

Receive insights, news and updates direct to your inbox.
Newsletter Form

This is a heading.

Get expert knowledge straight to your inbox! Enter your name and email below to instantly access our latest white paper and discover actionable strategies.
Production Test