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Mortgage Market - Wellington Mortgage Broker

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Mortgage Market - Wellington Mortgage Broker

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We are a Wellington based Mortgage Broker company with expertise in all facets of residential lending

We are a Wellington based Mortgage Broker company with expertise in all facets of residential lending - first home buyers, refinances, property investing and more.

28/10/2026

A surprise from the RBNZ!

With a hike to 3% already priced in by wholesale markets, today's hold could see lower 1 and 2 year mortgage rates in the near term.

Why? Because banks set fixed rates off swap rates, which are based on where they think the OCR is going, not where it is today.

Will be interesting to see if we do get some repricing within the next week, given banks now have room to move

Official Cash Rate held at 2.75% - The Monetary Policy Committee today voted 4 - 3 to hold the OCR at 2.75%

• Inflation is above our target range, largely due to high global fuel costs and their effects on other prices.

• The economy is recovering gradually, but conditions are uneven across regions and industries.

• We will adjust the OCR as needed so that inflation gets back to 2%.

Read more: https://www.rbnz.govt.nz/news-and-events/news/2026/10/ocr-held-at-2-75-percent?utm_medium=social&utm_campaign=mpr-october-2026&utm_source=meta&utm_content=&utm_term=

27/10/2026

Good news for first home buyers this election - 5% deposits are about to open up for a lot more borrowers.

Both major parties now agree that a 150k household income cap is just too low for Kāinga Ora loans, and want to make it 300k.

This means that essential workers like nurses, police and teachers will have better access to finance earlier in their careers and allow them to establish roots in their communities

26/10/2026

In April, I asked four of the smartest people in NZ where the OCR would be this week.

Well, I didn’t ask them. But they all told us anyway.

Here’s what they said in April vs what’s expected tomorrow (3.00%):

Kiwibank: 2.25%
Reserve Bank: 2.30%
Westpac: 2.50%
ANZ: 3.00%

One got it right.

And it wasn’t the Reserve Bank. The people who actually set the rate were 0.7% out on their own call, six months ahead.

Forecasting is hard! If the RBNZ and the top economists in the country don't know where rates are heading what chance do homeowners have?

Splitting your loan across multiple terms means you don't need to guess right, and you're less exposed when the forecasts turn out to be wrong

22/10/2026

Meet our Head of Client Relations.

Coco doesn't do loan applications, doesn't answer the phone and has strong opinions when she hears a knock on the door.

But she shows up everyday and keeps everyone calm, which is half the battle when we are facing tight deadlines with finance dates.

09/10/2026

Something is cooking....👨‍🍳

16/06/2026

Another fantastic review for our Senior Mortgage Adviser Chris Lawrence!

★★★★★

09/04/2026

Our director Andrew got featured in NZ Adviser this week talking about how to navigate rate uncertainty - and the short version is this:

Nobody knows where rates are going. Not economists, not the Reserve Bank, not the banks.

What you can control is how your lending is structured so you're not caught off guard at refix time.

Worth a read if your fixed rate is coming up. Link in comments 👇

18/02/2026

🏦 The cutting cycle is over. Here's what that means for your mortgage.

OCR stays at 2.25% — and the next move is up, not down.

Wholesale rates have already jumped, before the RBNZ has done anything.

In December, everyone decided to fix longer terms at the same time — that rush of demand pushed swap rates up 40-60bps almost overnight. The market didn't wait for the central bank.

Three takeaways from today's announcement:

✅ The bottom was late 2025. That window is gone.
✅ Inflation is stuck at 3.1% — power bills, council rates, airfares. Not stuff that fixes itself quickly.
✅ The 2-year rate has basically priced in the hiking cycle already. It's not falling back from here.

The question has changed. It's not "when do rates bottom out" anymore — it's "how do we structure your lending so you're not all rolling off at the same time when they're higher."

If your fixed term is coming up, let's have that conversation. 👇

20/08/2025

RBNZ lowers the OCR to 3% - the lowest it's been since August 2022!
This is welcome news to current and future homeowners alike, with expected flow-through from this (and previous cuts) to really start taking effect over the next 6 months.
The RBNZ also indicated potential further easing (cuts to the OCR), but that is data-dependent at this stage.

If you or someone you know has a loan coming up for refix renewal soon or are looking to borrow some money, please get in touch today to organise a free consultation with one of our experienced Mortgage Advisers.

Monetary Policy Statement media release and the MPC’s record of meeting, which summarises the committee's discussions, leading to the decision.

27/05/2025

A Five Star Review for Andrew Perry this time!

We loved working with these first home buyers

Address

Wellington

Opening Hours

Monday	8am - 8pm
Tuesday	8am - 8pm
Wednesday	8am - 8pm
Thursday	8am - 8pm
Friday	8am - 8pm
Saturday	8am - 8pm

Telephone

+642040946120

Website

https://mortgagemarket.co.nz/

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