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 when a split‑loan approach can protect your cash flow if rates push higher before they ease. We also tackle the hot button topic of rents: why landlords aren’t rushing to cut prices, how rising insurance and council rates offset any interest relief, and why many investors won’t feel lower costs until fixed loans roll over. If you’re on a fixed income or planning a first home purchase, you’ll hear exactly how servicing rates and ownership costs shape your options this year.

Wellington gets special focus. After a steep fall from peak, early signs of stabilisation meet a looming rates review and major water infrastructure questions. We discuss how these pressures can influence values, yields, and buyer confidence. Throughout, we keep it practical: stress‑test your budget for a one percent rise, review your pre‑approval as banks change servicing, and choose loan terms that match your risk tolerance and time horizon. Subscribe, share this with someone weighing a refix, and tell us: are you fixing short, going long, or staying floating?

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