Janet Bramham - Mortgage Advisor - Stephanie Murray Mortgages

10/02/2026

04/06/2025

👉 ANZ cuts 18-month fixed rate special to three-year low of 4.89%.
👉 The largest cut was 20 basis points.
👉 ANZ cut all special and standard home loan rates.
Full article can be read here:

The bank has cut all of its home loan rates and the majority of its term deposits.

26/05/2025

OCR decision expected this Wednesday – another rate cut?
Here’s what’s happening in the housing market this week, according to economist Kelvin Davidson:

👉 Another Official Cash Rate drop is likely
👉 The housing market is steady – values and sales are slowly rising
👉 First-home buyers are still active, with plenty of listings to choose from
👉 More people are switching banks to get better mortgage deals
👉 Our economy is showing mixed signals, but inflation is under control

It's a balanced market right now – a great time to explore your options. Read full article here: https://www.oneroof.co.nz/news/wednesdays-ocr-decision-what-are-the-odds-of-another-big-cut-47607

The five things you need to know about the housing market this week.

19/05/2025

🏡 Is now a good time to buy a house? Property experts say yes — but with a few things to consider.
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✅ Interest rates have dropped significantly (some 2-year fixes now around 5%)
✅ House prices are still well below peak in many regions — especially for first-home buyers
✅ There’s plenty of stock on the market, giving buyers more choice and negotiating power
But with the job market still a bit shaky, it’s important to buy smart and plan for the long term.
Thinking of making a move? Let’s talk.
Full article:

First-home buyers have been told that now might be their big chance to get into the housing market.

13/05/2025

🏡 Why is now a good time to be a first home buyer?
With house prices still soft in many parts of NZ and interest rates beginning to ease, experts say now is the time for first home buyers to act.

The latest QV data shows values in Auckland and Wellington are still well below their peaks, with some standalone homes in Auckland dipping into the $700Ks.

“We didn’t see this a year ago,” says QV.

If you’re ready to make a move, we’re here to help you get started. 🏡

The advice comes as home values remain low - for now.

30/04/2025

🌟 "Awesome Janet helped us so much – she was really awesome! Thank you so much." – Riria K. 💬
It was a pleasure to help you, Riria! If you're looking for support with your mortgage—whether you're buying your first home, refinancing, or investing—I'm here to help make the process smooth and stress-free. Let's chat! 🏡

16/04/2025

✔️ Several banks were now offering short-term mortgage rates below 5%.
✔️ Major banks have begun cutting fixed home loan rates.
✔️ It comes after the Official Cash Rate was lowered to 3.5% last week.
Read full article:

After announcing they were dropping floating home loan rates immediately after last week’s OCR cut, major banks are now chopping fixed home loan rates.

08/04/2025

Are first-home buyers feeling the pinch?
With KiwiSaver balances taking a hit due to market dips, many hopeful homeowners are finding it harder to pull together a deposit. Combined with rising house prices and tighter lending rules, it’s no surprise that getting into the market feels more challenging than ever.

💬 If you’re wondering what this means for your homeownership goals, I'm here to help you make sense of it all and create a plan that works for you.

Read more here 👉

Experts weigh in on what to do if you're affected as share markets fall.

27/03/2025

Property values showing the first signs of recovery

The housing market has started to turn, driven largely by lower mortgage rates, CoreLogic NZ figures show.

17/03/2025

The dark side of having a big mortgage (the one you didn’t think about) is that leverage is a double-edged sword.

Leverage is a double-edged sword.

12/03/2025

Here's what home loan borrowers are doing - have they made the right call?

4.99% interest rates have been enough to pull borrowers back from short-term fixes. So what happens now?

24/02/2025

ASB and Westpac cut two-year rates to just below 5%.