Harpreet Sekhon - Mortgage Adviser

30/10/2026

The Reserve Bank of New Zealand has kept the Official Cash Rate (OCR) unchanged at 2.75% in its latest October announcement.

But does this mean mortgage rates will start falling?

Not necessarily!

Here's what you need to know:

1. The OCR remains at 2.75%, but further increases are still possible.

2. Fixed mortgage rates are influenced by wholesale funding costs and market expectations, not just the OCR.

3. First-home buyers should continue preparing their finances rather than waiting indefinitely for lower rates.

4. Existing homeowners should review their mortgage structure and upcoming fixed-rate expiry dates.

My advice: Don't just focus on getting the lowest interest rate. Make sure your mortgage structure works for your financial circumstances and future plans.

Thinking about buying your first home, refinancing or reviewing your existing mortgage?

I'm happy to have a confidential chat and help you understand your options.

Harpreet Sekhon
Mortgage Adviser | The Loanary
📞 +64 22 528 7670

10/08/2026

15/07/2026

29/01/2026

At The Loanary, we arrange a wide range of development funding, but we wouldn’t be involved in projects of this scale.

Our sweet spot is helping developers source funding in the $1m to $50m range (and sometimes beyond).

We work with all the major banks and, increasingly, a growing range of specialist development funders to structure the right solutions for each project.

If you’re exploring funding options, talk to the team at The Loanary.

We arrange finance for business, commercial property, residential property, and both residential and commercial development projects.

Happy to have a chat.
Harpreet Sekhon - Mortgage Adviser Vathsala Balachandran Alan Groat Barry Mitchell Mark Hill-Rennie Harpreet Sekhon

16/01/2026

A solid recovery is taking shape

ANZ’s take on the latest NZIER survey broadly confirms what its own data has been showing – business confidence has lifted meaningfully and momentum is building.

The Q4 survey points to improving trading activity, stronger investment intentions, and increased hiring as spare capacity in the economy continues to be absorbed.

Cost and pricing pressures remain relatively contained, and with the Reserve Bank expected to hold the OCR, there is growing certainty for businesses and investors looking ahead.

At The Loanary, this aligns closely with what we’re seeing on the ground.

Activity lifted through November and December, and since returning in early January we’ve seen strong enquiry across:

• Business purchases and growth funding

• Asset finance

• Property development – both commercial and particularly residential

• Commercial and residential property purchases

There’s a clear shift from caution to confidence. This isn’t a boom, but it is a broad-based recovery, and the momentum feels genuine.

If you’re thinking about funding to support business growth or property investment, the team at The Loanary is happy to talk.

Harpreet Sekhon Harpreet Sekhon - Mortgage Adviser Alan Groat Barry Mitchell Vathsala Balachandran
Mark Hill-Rennie giving the thumbs up

16/01/2026

If you are looking to get into your first home, upgrade or an investment property, now is a good time to make the move. Please get in touch.
022 528 7670

Sunrise over Auckland signals early positive momentum in the property market

The latest QV data shows national residential property values rose 1.1% in the December quarter, with growth now spreading across multiple regions.

Auckland is seeing growth, with values up 0.8% over the quarter and increased activity at the upper end helping support overall prices.

While the market remains well below the 2022 peak, buyers are taking a measured approach — seeking quality properties, realistic pricing, and longer-term stability.

High housing supply gives buyers more choice, which is also supporting affordability.

Planning a move in 2026? The team at The Loanary can structure the funding so you’re ready to act.

Harpreet Sekhon - Mortgage Adviser Harpreet Sekhon Alan Groat Vathsala Balachandran Barry Mitchell

12/01/2026

NZ Housing Market Update — What It means for YOU!

Kia ora everyone! Harpreet here from The Loanary, and I’ve been watching the NZ property market closely as we head into 2026 — and there’s some really important trends and opportunities worth talking about…

Market isn’t roaring — but it’s stabilising
After a long period of sideways movement and softer conditions, recent data shows the housing market holding firm with sales activity lifting and buyers starting to engage more again.
Mortgage Professional

First-home buyers are leading the market
First-home buyers now make up record-high shares of property purchases — showing Kiwis are still committed to owning their own homes, especially with more affordable pricing and lower rates than a couple of years ago.

Forecasts point to modest growth
Most analysts expect steady, low-single digit price increases in 2026 — not a boom, but a more balanced market that favours prepared buyers.

What this means right now:
✔️ More listings = more choice
✔️ Prices not skyrocketing = less pressure to “rush in”
✔️ Interest rates are more attractive than last year
✔️ First-home buyers can get ahead of the curve

This is a great time to be thinking seriously about buying — especially if you’re a first-home buyer or looking to move up the ladder.

💡 Tip from me:
Before you make any big decisions, it pays to get the numbers right — and that’s where having a mortgage adviser on your side makes all the difference. Whether it’s:
✨ understanding how much you can afford
✨ comparing lender options
✨ structuring your loan for today and tomorrow
…I’ve got your back.

Let’s chat!
If you’ve been thinking:
👉 “Is now a good time to buy?”
👉 “What kind of loan should I fix?”
👉 “How can I improve my borrowing power?”

Drop me a message or comment below — I’m here to help guide you step-by-step.
Free first-home buyer consultation available!

— Harpreet Sekhon +64 225287670
Mortgage Adviser |

03/01/2026

NZ Housing Market Outlook — 2026 Edition

As we head into 2026, the New Zealand housing market looks like it’s finally stabilizing after years of volatility. Here’s what’s shaping up:

Modest Price Growth Expected
Forecasters — from banks to analysts — are generally expecting house prices to rise modestly next year rather than boom. Most predictions point towards low to mid-single digit gains in national values, with some estimates around 2–5% growth through 2026.

Why the Slow, Steady Recovery?
🔹 Interest rates have been cut and are expected to remain relatively low, supporting affordability.

🔹 Supply has grown, giving buyers more choice and easing competitive pressure in some areas.

🔹 Regional differences remain — metropolitan areas like Auckland and Wellington can behave differently to provincial markets.

The Big Picture
2026 isn’t shaping up to be a boom year — but it is likely to be a year of steady, sustainable growth rather than sharp rises or falls. It could be a good time for well-prepared buyers to re-enter the market and for sellers to price realistically.

At The Loanary , We are seeing increasing interest from clients who want to understand their options from residential and investment lending through to development finance.

29/12/2025

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