Why Fixed Mortgage Terms Might Matter More Than You Think Right Now
Feeling whiplash from the rate chatter? We dig into what a three percent inflation print really means for the next OCR move, why banks surprised borrowers by lifting fixed rates in December, and how small policy shifts ripple into mortgages, rents, and real household budgets across New Zealand. We share what we’re seeing on the ground—from construction leads ticking up to market traders locking longer—and translate those signals into clear steps you can take now.
We break down the trade‑offs between floating and fixing, why two and three year terms under five percent won’t last forever, and…
The skinny
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