Key Mortgages

26/11/2025

Hot off the press!!! OCR has dropped by 0.25% now down to 2.25%. The next review is on 18th Feb 2026.
The 25 point drop was widely expected, but only 5 out of 6 at RBNZ cited for it. One voted no cut at all!
Get in touch for more insights to what this means for you 👌

The Reserve Bank is set to make its final Official Cash Rate decision of the year.

24/11/2025

Some proud mile-stones for Key Mortgages: We hit 200 5⭐ reviews - the first of any mortgage brokers north of Auckland.
Huge thanks to all our clients for taking all the time to share, and our amazing team for the consistent excellent work 🤩
Jeremy completed the Kerikeri half marathon in 1:43 - 2 minutes ahead of his target, and still made it into work Monday 😅

20/11/2025

Final OCR cut for the year expected next week on the 26th. with low rates and some really strong cash contributions being offered by Banks at present, lending is becoming a lot more affordable for you.

Talk to Jeremy on 021470403 or Sheryn on 0278470807 if you would like to discuss your options. 😃

Banks expect 25bp cut but say RBNZ may need to go further in 2026

08/10/2025

Great news the OCR drop today was a double to 2.5%.. While the Bank's have priced in some fixed rate drops already, we now anticipate further reductions including floating and hopefully test rates.
Which would mean borrowing limits / purchase budgets increase too😎
Looks like it'll be a busy summer ahead!

https://www.stuff.co.nz/nz-news/360842663/westpac-latest-bank-cut-interest-rates

Economists and banks expecting a drop in the OCR had been divided on whether it would fall by 25 basis points or 50.

07/10/2025

Thanks James for the great feedback 🥳

We're 💯 committed to giving the BEST results and advice!

22/09/2025

Westpac and Kiwibank are predicting a 0.50% OCR drop next month after the economy “slammed into reverse” in the second quarter of this year.

With servicing rates dropping, its becoming much more affordable for borrowers. If you'd like to discuss purchasing your first home, investment property or upgrade your existing home, please call Jeremy on 021470403 or Sheryn on 0278470807.

Westpac and Kiwibank are predicting a 0.50% OCR drop next month after the economy “slammed into reverse” in the second quarter of this year.

04/09/2025

We are seeing increased interest from First Home Buyers and Investors. Bank servicing rates are also falling, making loans more affordable. If you are interested in exploring your home loan options, call Jeremy on 021470403 or Sheryn on 0278470807. We'd be happy to help. :)

Auckland, Wellington lead declines in national property values

01/09/2025

A great interview with Jeremy Andrews talking to Andrew Dickens at NewstalkZB about the current market, and what we are seeing with current loan applications and bank processing times.

Latest Centrix figures show mortgage enquiries are up 16% for the month of July and new mortgage lending rose almost 25%.

27/08/2025

Could the 1 year fixed mortgage rate be 4.5% p.a. by Feb 2026?
Market pundits indicate that the RBNZ is signalling deeper cuts ahead in the OCR

Confidence in spare capacity

14/08/2025

Rates are on the way down!!! The majority of Bank have already started pricing in the interest rate drops in anticipation of the Reserve Bank reducing the OCR next Thursday. Talk to us today of you would like to see if you can afford your first, next or rental home. Call Sheryn on 0278470807.

Economists expect the OCR will drop on Wednesday as the economy struggles and unemployment hits a five-year high.  

09/07/2025

Steady as she goes with the OCR staying at 3.25%, but there may still be some OCR reductions on the future. It is still a buyers market, and its good to have interest rate stability alongside house prices giving more surety for first home buyers looking to buy.

The Reserve Bank has put the brakes on its run of rate cuts.

26/06/2025

House price growth has stagnated, supply of houses has increased, interest rates are stabilizing. Its a buyers market!

Talk to us today to see how we can help you buy your first home. Call 0278470807 to discuss your options.

ANZ and BNZ economists both downgrade their 2025 house price forecasts, expect stronger increases next year