A practical, agent-facing update on where New Zealand mortgage rates could head over the next 60 days and what that means for buyer conversations, appraisals, urgency, and negotiation strategy.

This episode looks at the Reserve Bank’s current stance, inflation and wholesale funding signals, how bank pricing may move in the short term, and the key talking points agents can use with first-home buyers, upgraders, investors, and sellers.

• What the OCR and swap markets are signaling right now
• Why fixed-rate specials may move differently from floating rates
• How agents can frame affordability, confidence, and timing without overcalling the market