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

2025 Property & Mortgage Market Review plus 2026 Outlook
Our comprehensive review of New Zealand’s 2025 property and lending markets, plus a practical 2026 outlook for first-home buyers, refixers and investors.
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.
2026 Mortgage Rate Outlook
A practical 2026 outlook for NZ mortgage rates. We cover the base case, upside/downside scenarios, what drives fixed vs floating rates, and what it means for refixing and refinancing decisions.
2025 Property & Mortgage Market Review plus 2026 Outlook
Our comprehensive review of New Zealand’s 2025 property and lending markets, plus a practical 2026 outlook for first-home buyers, refixers and investors.
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.
2026 Mortgage Rate Outlook
A practical 2026 outlook for NZ mortgage rates. We cover the base case, upside/downside scenarios, what drives fixed vs floating rates, and what it means for refixing and refinancing decisions.
2025 Property & Mortgage Market Review plus 2026 Outlook
Our comprehensive review of New Zealand’s 2025 property and lending markets, plus a practical 2026 outlook for first-home buyers, refixers and investors.
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.
2026 Mortgage Rate Outlook
A practical 2026 outlook for NZ mortgage rates. We cover the base case, upside/downside scenarios, what drives fixed vs floating rates, and what it means for refixing and refinancing decisions.
2025 Property & Mortgage Market Review plus 2026 Outlook
Our comprehensive review of New Zealand’s 2025 property and lending markets, plus a practical 2026 outlook for first-home buyers, refixers and investors.
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.
2026 Mortgage Rate Outlook
A practical 2026 outlook for NZ mortgage rates. We cover the base case, upside/downside scenarios, what drives fixed vs floating rates, and what it means for refixing and refinancing decisions.

All Posts

The New Zealand property market at a glance

Average residential rent

Median rent $595/wk (Nov 2025 new tenancies): down $5

House price index

REINZ HPI 3,603 (Dec 2025)

Mortgage rate: Avg 1yr fixed

4.42% (Dec 2025)

Net migration gain

11,900 (year to Oct 2025), down from +35,400 prior year

Official Cash Rate (OCR)

2.25% (26 Nov 2025)

Residential building consents

35,969 dwellings consented yr to Nov 2025

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

Borrower Stress in 2025: Arrears, Mortgage “Resets”, and What Banks Are Watching in 2026

Borrower Stress in 2025: Arrears, Mortgage “Resets”, and What Banks Are Watching in 2026

2025 NZ Property Market Review: Prices, Sales Volumes, Listings and Regional Trends

2025 NZ Property Market Review: Prices, Sales Volumes, Listings and Regional Trends

2026 Mortgage Rate Outlook: Scenarios, No Certainties!

2026 Mortgage Rate Outlook: Scenarios, No Certainties!

LVR Rules Explained: Deposits, Low-Equity Lending, and What Changed from 1 December 2025

LVR Rules Explained: Deposits, Low-Equity Lending, and What Changed from 1 December 2025

2025 NZ Property & Mortgage Market Review: What Changed, What We Learned, and What’s Next

2025 NZ Property & Mortgage Market Review: What Changed, What We Learned, and What’s Next

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