OCR Review Watch And What It Means For Your Mortgage

The OCR gets reviewed next week and the mood across the banks feels twitchy. Jonathan sits down with mortgage adviser James Buchanan to talk through where New Zealand interest rates might be heading, why a flat OCR call is back on the table, and what could still push rates higher later in the year. If you’re trying to plan a first home purchase or decide whether to refix, this is the kind of real-world chat that helps cut through the noise.We dig into what we’re seeing from the major lenders right now: who moved early, who stayed sharper for longer, and how quickly forecasts can change when inflation prints and global events shift. We also talk about something buyers often underestimate, bank turnaround times. Sometimes the “best” rate isn’t the best experience if approvals drag, and sometimes great service wins even when the headline rate is higher.Then we zoom out to the housing market. With Wellington and nearby areas still well off their peaks, a buyer’s market has opened doors for first home buyers, including single parents and households who’ve been building deposits for years. KiwiSaver has played a big role, but we also flag the risk of volatility if your funds aren’t aligned with your buying timeline, and why it’s worth talking to your provider before you’re under pressure.If you’re floating, refinancing, or simply unsure what to do next, press play for clear context and practical next steps. Subscribe, share the episode with a mate who’s house-hunting, and leave a review so more Kiwis can find the pod.Send us Fan Mail Support the showBuy your first home in NZ Weekly Webinars You thought it's not possible or the dream is too far away? Come to my webinar and I will show you, you are much closer to your dream, than you think you are!Join Here - https://bit.ly/4m9SL72