Rob Gilfillan - The Mortgage Supply Co

05/03/2026

01/03/2026

Happy Monday peeps - sharing our insights into what lies ahead in finance and property in 2026:

Moving further into 2026, the market continues to feel steady.

The Reserve Bank’s February announcement confirmed that the Official Cash Rate will remain at 2.25%. This means changes to mortgage rates will continue to be influenced by global and wholesale (swap) rates rather than the OCR itself.

Inflation is expected to trend back towards 2% over the next 12 months, which should give some relief to the cost of living. We’re also seeing economic growth, with lower interest rates supporting household and business spending.

In the property space, Cotality’s January Home Value Index shows that the national median property value in New Zealand is $802,617. Here in Auckland, the average value is currently $1,042,041.

What does this mean for you?
Reviewing your personal circumstances and goals is important when making financial decisions. Many of my clients are currently seeing value in considering 2-3 year fixed rate options.
With wholesale rates trending upwards and the OCR expected to increase over time, it’s worth considering where rates may be when short-term fixes expire. Locking in longer could protect you from higher rates and provide stability.

Economists are still predicting a 10% rise in property sales this year, and a potential 5% rise in the national median values. Activity across the market is increasing, creating opportunities for both buyers and sellers, including first-home buyers.

Right now, I’m helping my clients in three key areas:
👉Refix - Could breaking and refixing put you in a better or more stable position?
👉Refinance - Are you with the right lender? Cashbacks and product differences can make a move worthwhile.
👉Restructure - Is your loan set up to improve your cashflow, reduce interest, and support your goals?

Want me to run your numbers, review your options, or talk through your first or next move? I’m here to help.

Call Rob Gilfillan
Your Local Mortgage Adviser
022 696 1122
[email protected]

23/12/2025

As another year wraps up, I wanted to say how grateful I am to have worked with some awesome clients this year - your trust is truly appreciated and look forward to coming back re-energised to work with you again in 2026!

Wishing you and your whanau the best Christmas and New Year yet :)

Rob

29/08/2025

Have a refix coming up? Let's get you the sharpest rate 😉🔥

27/08/2025

Do you have a refix coming up? Let's see if refinancing is right for you! ✨📱

25/08/2025

I mean, if you don't fail, you can't succeed right? 💙

22/08/2025

What do you prefer? Let me know below! 👇

20/08/2025

For most home loans, lenders typically require at least 20% of the purchase price as a down payment, though some buyers, especially first-home buyers, may be able to purchase with less under certain conditions or schemes!

20/08/2025

Big news! 💥 The Reserve Bank has just lowered the OCR to 3%! If you’re considering buying, refinancing, or reviewing your home loan, now is the perfect time to explore your options. More savings could be just around the corner! Ready to find out how this affects you? Let’s chat! 🏡💬