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A week on the road, combined with the latest HVI data and RBNZ lending stats leads Nick and Kelvin to discussing all the considerations for picking the term of fixed loans. 

There's also Stats NZ building work put in place data for Q2 to cover off the other key topic of the moment - construction. While caution remains, there appears to be signs of optimism, though we also wouldn't get carried away with any rays of sunshine foreshadowing the dawn of summer. 

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