NZHL Paraparaumu

02/10/2026

Interesting Rregional round up from valocity that was published this week and a hint at future Mortgage % rates

As the market expected, the Reserve Bank of New Zealand lifted the Official Cash Rate (OCR) in September. Only one more OCR review remains before the General Election, with another before the end of the year. The Monetary Policy Committee forecasts the rate rising from the current 2.75% into the 3% range in 2027, which it expects will bring inflation back within its target band. The risk to watch is the Middle East, where recent escalation in the conflict has pushed fuel prices up. Longer-term mortgage pricing follows wholesale rates rather than the OCR directly. This means rising offshore bond yields can push fixed rates higher, even while the OCR tracks as forecast.

Treasury’s Pre-Election Economic and Fiscal Update (PREFU) has cut its house price outlook once again. It now forecasts a 0.4% fall in 2026 and only a modest 0.6% recovery in 2027.

property values monthly movement by region also no surprises unlesss you live in central Otago !

09/09/2026

A light moment when one conisders how to pay down ones mortgage quicker ! (with NZHL naturally )

16/08/2026

NZHL National Conference held in August -- Ta Kina Convention centre Wellington 2026- Top team

As a branch we were presented with ..

Award for...Financial Freedom Champions ( for helping the most number of clients become debt free ) ......NO 8 in NZ for growth in business overall...and our very own Sue-Anne leitch won two awards- the no 1 CSC ( Client servicing advisor) in NZ for protecting clients through health and life cover-- and no 5 In NZ for overall sales .
It is a privilige to work for NZHL and we appreciate our amazing clients that we get to work with every day :)

Glen Mattingley-Business owner
Sue-Anne leitch Client servicing Advisor
Laura LIncoln New Business Advisor
Linda Fitzgerald -PA-Admin Manager
Jonny Read-New Business Advisor
Marty Leitch-CSC Support
Kip Hanna -CEO NZHL
(Kajal Mehta-Absent-maternity leave )

16/08/2026

Interesting article from the Reserve Bank published in the past week in The Post ..

Thankfully we have access to lenders with a minimum of 5/10 % deposit to help get great NZ families get in to their first home

The central bank says housing risks remain contained, with house prices broadly flat and higher-risk mortgage lending at manageable levels.

03/08/2026

Every homeowner starts in the same place...

"I wonder if we could actually do it."

If buying your first home feels like a big goal, you're not alone. The good news? You don't need to have everything figured out before talking to us.

We'll help you understand your borrowing power, answer your questions, and map out the steps to get you there.

🏡 Ready for your first home? Let's have a chat.

www.nzhl.co.nz

15/07/2026

just picked this information from a local Accountant might be of ineterest if you are self employed !

New Mileage Rates for 2025–26
IRD has released the kilometre rates for the 2025–26 income year (effective 4 June 2026):

• Tier One (first 14,000km, including private use): $1.20/km petrol · $1.30/km diesel · $0.90/km petrol hybrid · $1.22/km electric
• Tier Two (beyond 14,000km): $0.37/km petrol · $0.38/km diesel · $0.24/km petrol hybrid · $0.23/km electric
Tier One rates are up across the board this year, reflecting higher running costs. These apply to 2025–26 filings and any reimbursements made from 4 June 2026 onward.

Updated Square Metre Rate for Home Office Claims
If you run your business from home, IRD has set the square metre rate for the 2025–26 income year at $57.30 per square metre (up from $55.60 last year). This covers utilities like power and home insurance for the business-use portion of your home. You can still claim a separate portion of mortgage interest, rates, or rent on top of this.

Boarder & Homestay Student Standard Cost
If you host boarders or homestay students, IRD's standard-cost determination lets you claim a set weekly amount per boarder — up to a maximum of four — instead of keeping detailed records of your actual costs. The rate for the 2025–26 income year is $245 per boarder, per week. If your board income stays under that, it's not taxable and doesn't need to be declared.

13/07/2026

A low rate is nice.

But a smart structure, regular coaching, and a plan to help you become mortgage-free sooner? That’s the real long-term relationship.

Stop swiping on rates and start building a better plan that is personalised to you. www.nzhl.co.nz

09/07/2026

Today, as the Matariki stars rise, we take a moment to reflect on the past, celebrate the present, and look ahead with hope for the future.

From all of us at NZHL, we wish you and your whānau meaningful Matariki🌟

08/07/2026

The Reserve Bank has increased the Official Cash Rate (OCR) from 2.25% to 2.50%.

So... should you panic? Nope.

Here's what it does mean:

The OCR influences the interest rates banks pay to borrow money. Over time, that can flow through mortgage rates, savings rates and borrowing costs.

Why the increase?

While inflation has eased from the highs we've seen, the Reserve Bank is still focused on keeping it under control and returning it to around 2%.

Raising the OCR helps slow spending just enough to keep prices rising too quickly.

What does this mean if you've got a mortgage?

It depends.

Every home loan is different. Your fixed rate, when it's due to expire, your loan structure and your long-term goals all play an important part.

That's why reacting to headlines isn't always the best move.

At NZHL, we don't just watch the OCR, we look at the bigger picture. We help you understand what today's announcement means for your mortgage and whether there's an opportunity to put yourself in a better position.

Because the best financial decisions aren't made from headlines.

They're made with a plan.

Thinking ahead to your next fixed rate expiry? Let's have a chat: www.nzhl.co.nz

09/04/2026

Interesting article from RNZ National this morning on future interest rates

Wholesale rates have been pushing higher on the expectation interest rates might need to rise to combat inflation caused by the Middle East conflict.