Market Insights & Mortgage Guidance

Stay up to date with latest mortgage news, lending rules, and guidance for all types of borrowers

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Featured Posts

October Market Update
In a move that surprised even seasoned market watchers, the Reserve Bank dropped the Official Cash Rate (OCR) by 50 basis points, taking it down to 2.5% — the biggest cut in over three years.
Buying in NZ as an Overseas Buyer
Everything overseas buyers need to know about buying property and securing a mortgage in New Zealand.
First Home Buyers Guide
Buying your first home is a major milestone — and often, the hardest part is understanding how to actually get a mortgage approved.
October Market Update
In a move that surprised even seasoned market watchers, the Reserve Bank dropped the Official Cash Rate (OCR) by 50 basis points, taking it down to 2.5% — the biggest cut in over three years.
Buying in NZ as an Overseas Buyer
Everything overseas buyers need to know about buying property and securing a mortgage in New Zealand.
First Home Buyers Guide
Buying your first home is a major milestone — and often, the hardest part is understanding how to actually get a mortgage approved.
October Market Update
In a move that surprised even seasoned market watchers, the Reserve Bank dropped the Official Cash Rate (OCR) by 50 basis points, taking it down to 2.5% — the biggest cut in over three years.
Buying in NZ as an Overseas Buyer
Everything overseas buyers need to know about buying property and securing a mortgage in New Zealand.
First Home Buyers Guide
Buying your first home is a major milestone — and often, the hardest part is understanding how to actually get a mortgage approved.
October Market Update
In a move that surprised even seasoned market watchers, the Reserve Bank dropped the Official Cash Rate (OCR) by 50 basis points, taking it down to 2.5% — the biggest cut in over three years.
Buying in NZ as an Overseas Buyer
Everything overseas buyers need to know about buying property and securing a mortgage in New Zealand.
First Home Buyers Guide
Buying your first home is a major milestone — and often, the hardest part is understanding how to actually get a mortgage approved.

All Posts

The New Zealand property market at a glance

Average residential rent

NZ$572/week (year to Jun 2025)

Rent growth close to flat; rental market showing clear moderation.

House price index

–1.1% over Q3 2025, avg value NZ$900,521

Prices modestly declining; suggests buyer caution and stock levels constraining upward momentum.

Mortgage rate: Avg 1yr fixed

5.40% (as of Oct 2025)

Borrowing cost easing; may support demand if confidence returns.

Net migration gain

+13,700 (year to Jun 2025)

Slowing migrant inflows reduce a key demand driver for housing.

Official Cash Rate (OCR)

2.50% (as of 8 Oct 2025)

Monetary policy easing materially; stimulates housing but risk remains.

Residential building consents

8,196 (quarter to Jun 2025)

Consent numbers barely falling; supply creation holding up but still weak.

Book a free lending scenario review with our team

Senior Mortgage Advisor

Tama Sefuiva

Senior Mortgage Advisor

Tama Sefuiva

Senior Mortgage Advisor

Tama Sefuiva

Market Insights & Mortgage Guidance

Read more of our updates on buying and borrowing in New Zealand

Buying a House in New Zealand Before You Move Home

Buying a House in New Zealand Before You Move Home

October Market Update: OCR Cut to 2.5% - What this Means for You

October Market Update: OCR Cut to 2.5% - What this Means for You

When (and Why) You Should Refinance Your New Zealand Mortgage

When (and Why) You Should Refinance Your New Zealand Mortgage

Can Overseas Buyers Get Interest-Only or Investment Lending in New Zealand?

Can Overseas Buyers Get Interest-Only or Investment Lending in New Zealand?

August 2025 Market Update

August 2025 Market Update

The New Zealand property market at a glance

Average residential rent

House price index

Mortgage rate: Avg 1yr fixed

Net migration gain

Official Cash Rate (OCR)

Residential building consents

Book a free lending scenario review with our team