Brodie Sadgrove: Financial/Mortgage Advisor - Mortgage Time

16/06/2026

Don’t assume lower inflation automatically means lower mortgage rates.

Tony Alexander’s latest article suggests easing inflation fears could actually increase the chances of interest rates staying higher for longer than many borrowers expect.

With most borrowers currently fixing around 2 years, now is a good time to review your mortgage strategy rather than simply chasing the lowest advertised rate.

If your lending is due for review this year, get in touch. A good structure can save far more than a small difference in rate.

MORTGAGES MADE SIMPLE | DREAMS MADE REALITY

A July rate hike seems increasingly likely, but there could be worse things in store.

04/06/2026

Is now the right time to buy or even lend more?

There’s a lot of noise in the market right now. Interest rates, global events, house prices, election talk… it can be hard to know what it all means for you.

The reality is that every market creates opportunities.

Right now, buyers generally have more choice, less competition, and greater negotiating power than we’ve seen for some time. For first home buyers, upgraders, and investors, that can create some very good opportunities.

The best time to buy isn’t when everyone else is rushing in. It’s when the numbers work for you and your long-term goals.

If you’re wondering whether now is the right time to buy, refinance, or simply want to understand what your options look like, let’s have a chat.

No pressure. Just honest advice and a plan that works for your situation.

📞 Get in touch and let’s talk about your next move.





https://www.oneroof.co.nz/news/tony-alexander-how-iran-turmoil-could-spark-a-recovery-in-nz-house-prices-49597?utm_medium=Social&utm_campaign=nzh_tony-alexander-how&utm_source=Facebook&fbclid=IwdGRjcASOwL9leHRuA2FlbQIxMQBzcnRjBmFwcF9pZAo2NjI4NTY4Mzc5AAEe65ksh_xcjxPrUpRVvQIFmjpha1cmw-yPqSK4YYLLSzhwdsNppGU_Q5qQjk0_aem_MyFicDgOjtvhrAUxLijxjw =1780521755

The closure of the Strait of Hormuz has disrupted fertiliser supplies, raising fears of food shortages.

27/05/2026

WHAT DOES TODAYS OCR ANNOUNCEMENT MEAN FOR FUTURE BANK INTEREST RATE INCREASES?

The Reserve Bank has left the OCR unchanged at 2.25% — a sign it’s still trying to balance inflation pressures with supporting New Zealand’s economic recovery.

While rates haven’t moved today, the RBNZ signalled it’s keeping a close eye on rising inflation and global pressures, meaning future rate changes are still firmly on the table. For homeowners and buyers, this likely means mortgage rates may stay relatively steady short-term, but uncertainty remains later in the year.

If you’re coming up for refix, restructuring debt, or wondering whether now is the right time to buy, now’s a good time to review your options and have a plan in place.

Get in touch with Mortgage Time for a chat about your lending strategy.

Mortgages Made Simple, Dreams Made Reality.





Core Inflation is lower than Headline Inflation!

25/05/2026

Looks like mortgage rates are starting to creep up again, but will the OCR move this week?

A few banks have already increased fixed rates, and swap rates are continuing to rise behind the scenes.

That could mean:
• Higher repayments when it’s time to refix
• Reduced borrowing power for buyers
• Less waiting around for “better rates” to arrive

If your mortgage is coming up for renewal in the next couple of months, now’s probably a good time to start looking at your options rather than leaving it to the last minute.

Happy to chat through what the current rates mean for you and whether it’s worth locking something in now.

Mortgages Made Simple, Dreams Made Reality

PM me for a chat and advice.

23/05/2026

Is NZ’s housing market heading for another GFC-style crash? Economist Tony Alexander says no — and there are some solid reasons why.

Key points:
• Interest rates are much lower than two years ago
• Farmers and exporters are bringing strong money into the economy
• Businesses have already tightened spending over the past few years
• Migration, tourism and infrastructure spending are all improving

Tony’s view is that the market recovery may be slower than expected, but not cancelled. While house prices may stay fairly flat for now, confidence and activity are still building behind the scenes.

For buyers, this could still be one of the better windows to secure a property before the next cycle gains momentum.

If you want to understand what the current market means for your mortgage, refinancing, first home or next investment — get in touch with Mortgage Time today.

Why the Iran war may only delay the recovery, not cancel it.

22/05/2026

Will we see more Australians Invest in NZ now / Is the Grass Really "Greener" in Australia?

Why?

Because compared to Australia, New Zealand currently has:
• no comprehensive capital gains tax
• no stamp duty
• lower interest rates
• a simpler tax system for many investors and business owners

There’s growing discussion across both countries about tax changes, property investment, lending rules and where people choose to live and invest. ([News.com.au][1])

What does this mean for everyday Kiwis?

It means understanding your lending structure, investment position and long-term plans matters more than ever. The market is changing quickly and people who stay informed are usually in the best position to adapt.

Whether you’re:
🏡 buying your first home
💰 reviewing investment lending
📉 trying to reduce repayments
🔄 restructuring debt
🇦🇺 moving between NZ and Australia

Mortgage Time can help you understand your options and build a plan that works for your situation.

Message Mortgage Time for a confidential chat.

https://www.rnz.co.nz/news/business/595608/why-australians-are-calling-new-zealand-a-tax-haven

Some Aussies are looking across the Tasman with "genuine envy", recent headlines suggest. What's happening?

22/05/2026

ITS OCR TIME AGAIN - WHAT ARE THE BANKS PREDICTING THE RBNZ WILL DO?????

Most economists are expecting the RBNZ to hold the OCR at 2.25%, but there’s increasing discussion about future rate rises as inflation pressures build again.

What does that mean for people with mortgages?

• Fixed rates may not keep falling, or may continue to rise
• Some banks are already pricing future increases into longer-term rates
• Waiting too long to review your lending could cost you options later

Right now is a good time to review:
✔ your structure
✔ upcoming refixes
✔ repayments and cashflow
✔ whether your current lender is still the right fit

Every situation is different — especially with changing rates and tighter household budgets.

If you want a second opinion or a strategy chat, message Mortgage Time today 🏡

Mortgages Made Simple (and Easy), Dreams Made Reality

Economists expect the OCR to be held at 2.25% at Wednesday’s RBNZ meeting.

13/05/2026

You can’t beat Auckland on a Good Day, or was that Wellington?

02/05/2026

Mortgage Time – Is 1 year still the sweet spot?

DISCLAIMER: Before you lock anything in:
This is a one bank’s view and not tailored financial advice, this is not a one-size-fits-all answer. Everyone’s situation is different, and short-term fixes do carry risk—especially if rates move unexpectedly. A staggered approach may suit your needs and risk appetite.

👉 Always get advice first so it aligns with your goals, risk appetite, and cashflow.

⸻

ANZ economists are now saying fixing for one year is the most cost-effective option right now.

Here’s why:

* Limited value beyond 1 year – longer-term rates are higher, so you’re paying more without clear upside
* Rates have already lifted – especially 3–5 year terms, now sitting well above recent lows
* OCR outlook is softer – fewer hikes expected than what markets had priced in

👉 In simple terms:
You’re paying a premium to fix longer, without strong evidence it will save you money.

What’s changed?
ANZ previously favoured the 2-year term, but that advantage has narrowed as rates have shifted.

⸻

Takeaway:
Right now, flexibility is winning over certainty. A 1-year term keeps you in a position to review sooner rather than locking into higher long-term rates.



MORTGAGES MADE SIMPLE, DREAMS MADE REALITY