_Source: [RNZ](https://www.rnz.co.nz/news/personal-finance/1319082/is-it-worth-fixing-a-home-loan-for-longer)_

[The OCR is now 2.75%](https://www.rbnz.govt.nz/monetary-policy/about-monetary-policy/the-official-cash-rate), after the Reserve Bank raised it by 25 basis points on 2 September. 
Inflation has also picked up, with higher fuel prices adding pressure, and the Reserve Bank has left the door open to further increases.

That has brought a familiar question back for Kiwi borrowers:

**Should you fix your home loan for longer?**

Here’s what the latest rate changes mean for Kiwi borrowers.

## What’s happening with mortgage rates right now?
[RNZ](https://www.rnz.co.nz/news/personal-finance/1319082/is-it-worth-fixing-a-home-loan-for-longer) reports that six-month fixed mortgage rates at the major banks are currently around 4.75%, with one-year rates just below 5%. 

Two-, three-, four- and five-year fixed rates are sitting higher, generally between 5.39% and 5.69%. 

## So, shorter fixed terms are still cheaper?

Yes, but the gap between shorter and longer terms has narrowed enough to make longer fixes more worth considering.

Westpac chief economist Kelly Eckhold told RNZ that borrowers were paying only around 0.4 to 0.5 percentage points more to move from a one-year rate to a three-year rate. 
So is paying a little more for certainty actually worth it?

## The tricky part: nobody knows where rates are going
[Some economists expect the OCR to rise further](https://www.mpamag.com/nz/specialty/residential/ocr-hike-banks-split-on-what-comes-next/588461), but only modestly. Others see more upside risk if inflation proves harder to bring down.

BNZ chief economist Mike Jones said markets were already pricing in an OCR peak of around 3.5%.
He also estimated there could still be another 20 to 50 basis points of increases in fixed rates, particularly at shorter terms. 

**But you don't want your mortgage strategy to depend entirely on getting the forecast right.**

## What does this mean for Kiwi borrowers?
The important thing is not trying to predict the exact top of the OCR cycle. 
**It's choosing a mortgage structure that still works if your prediction is wrong.**

Right now, that's probably a more useful way to think about fixed vs floating and one-year vs longer-term mortgage rates in New Zealand.

**So, don't just look for the lowest rate.**

Look at what the rate means for your repayments, your flexibility and your plans.



<div style="border: 1px solid #ddd; padding: 30px; background-color: #10059f; font-family: Arial, sans-serif; margin-bottom: 40px; color: #ffffff; border-radius: 8px;">
  <h3 style="margin-top: 0; color: #ffffff; font-size: 22px;">Still weighing up 1 year or longer? 
</h3>
  
  <p style="color: #ffffff; margin-top: 0; margin-bottom: 15px; line-height: 1.5;">
    Let’s work through what the different options could mean for your situation. 
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<p style="font-style: italic; font-size: 0.85em; color: #555;">
  This article is for informational purposes only. It does not consider your personal financial situation or objectives. Please consult with Tella mortgage and financial experts before making any decisions regarding your mortgage or debt strategy.
</p>

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Rising Mortgage Rates: Should You Fix Your Home Loan for Longer?.png

Rising Mortgage Rates: Should You Fix Your Home Loan for Longer?

If you’ve been keeping an eye on New Zealand property news, you probably expected interest rates to stay steady for a bit longer.

But the Reserve Bank of New Zealand (RBNZ) recently made a move that caught a lot of homeowners off guard.

With the rate stepping up to 2.50%, you’re likely asking yourself: 
_"What does this mean for my monthly home loan repayments, and what should I do next?"_

Let’s break it down in plain English—no complicated financial jargon—and look at how you can keep your mortgage under control.

## What Actually Happened with the OCR Hike?

In a move earlier than most bank economists anticipated, the RBNZ officially [lifted the Official Cash Rate (OCR) by 25 basis points to 2.50%.](https://www.mpamag.com/nz/news/general/ocr-lifts-to-25-as-rbnz-signals-more-hikes-ahead/581612)

**Why does this matter?**

The OCR acts as the foundation for bank interest rates across the country. And this might not be the end of the climb.

Top economists now warn that [two more OCR hikes are likely this year,](https://www.mpamag.com/nz/specialty/residential/two-more-ocr-hikes-likely-this-year-cotality-economist-warns/582081) which could take the rate up toward ~3.00% by the time we hit the end of the year.

## Fixed vs. Floating Mortgages: Who Is Affected Most?

Not everyone will see their mortgage payments change right away. 

Here is how it breaks down depending on your current setup:

### •	If you’re on a Fixed Rate:
You don't need to panic about immediate changes to your budget. 

As highlighted by the Real Estate Institute of New Zealand (REINZ), this [OCR rise brings clarity, not shock.](https://www.mpamag.com/nz/specialty/residential/reinz-ocr-rise-brings-clarity-not-shock/581787) That’s because retail banks had already bumped up fixed rates well before the RBNZ made it official.

### •	If you’re on a Floating (Variable) Rate: 
Floating rate holders are feeling the impact right away. Lenders moved fast following the announcement—[BNZ and ASB lifted variable rates,](https://www.mpamag.com/nz/specialty/residential/bnz-and-asb-lift-variable-rates-as-ocr-bites/581818) and shortly after, [ANZ joined the big four in floating rate hikes.](https://www.mpamag.com/nz/specialty/residential/anz-joins-big-four-in-floating-rate-hike/582261)

### •	If your Fixed Term is Ending Soon:
If your refix date is coming up in the next 3 to 6 months, you’ll likely be rolling off a lower rate onto today's market rates.

## 3 Smart Steps to Take Back Control in a Rising Market
Even top financial experts disagree on exactly how high rates will go or how long this tightening phase will last. 

Trying to second-guess the exact best month to fix your loan can quickly get overwhelming.

Instead of waiting for your bank's rate renewal letter to land in your inbox, here are three practical steps you can take today:

### 1.	Test Your Budget
Run your numbers with [our calculator tools](https://tella.co.nz/home-loans-mortgages/calculators) using slightly higher interest rate assumptions so you know your household’s safety margin. 

_(Keep in mind that while a calculator is a great starting tool, it only gives you raw numbers. An adviser can help turn those numbers into an actual repayment strategy.)_

### 2.	Consider Splitting Your Mortgage
You don't have to put all your eggs in one basket. Splitting your home loan across two different fixed terms (like 1-year and 2-year terms) gives you flexibility and spreads out your risk.

### 3.	Talk to an Adviser Early
Get in touch with [Tella mortgage adviser](https://tella.co.nz/) 60 to 90 days before your current rate expires. This gives you plenty of time to explore rate options across different banks.


<div style="border: 1px solid #ddd; padding: 30px; background-color: #10059f; font-family: Arial, sans-serif; margin-bottom: 40px; color: #ffffff; border-radius: 8px;">
  <h3 style="margin-top: 0; color: #ffffff; font-size: 22px;">Refix date coming up?</h3>
  
  <p style="color: #ffffff; margin-top: 0; margin-bottom: 15px; line-height: 1.5;">
    Don't wait until the last minute. Let's build a plan with our mortgage expert that keeps your household cashflow secure.
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    Book a free refix strategy chat with Tella today
  </a>
</div>

## Key Takeaway
You can't control what the RBNZ does next, but you can control how your mortgage is structured.
 

<hr style="border: none; border-top: 2px solid black; height: 1px; width: 100%; display: block !important; visibility: visible !important; margin-top: 40px;">

<p style="font-style: italic; font-size: 0.85em; color: #555;">
  This article is for informational purposes only and does not constitute financial or professional advice. It does not consider your personal financial situation or objectives. Please consult with Tella mortgage and financial experts before making any decisions regarding your mortgage or debt strategy.
</p>

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OCR Hike 2.5%: 3 Smart Steps to Structure Your Mortgage Refix Right Now

Are you one of the thousands of Kiwi homeowners with a fixed mortgage coming up for renewal?

A sudden clash of pricing strategies among the major retail banks has just handed you a massive win.

Instead of just clicking 'RENEW'" on your bank’s app, understanding these quick market shifts ahead of the upcoming OCR announcement on July 8, 2026 can save you thousands. 

## 1. Fixed Mortgage Rates NZ: A Split Market Emerges

Following recent drops in wholesale money markets, the [big banks](https://www.mpamag.com/nz/specialty/residential/anz-and-bnz-move-nz-mortgage-rates-in-opposite-directions/580065) are moving in entirely different directions. 

Depending on whether you want a short-term lock-in or long-term safety, the best deal depends entirely on who you ask:

### •	ANZ Drops Shorter Rates
ANZ led the charge by cutting its popular 1-year rate down to 4.65%, while keeping its 2 and 3-year options steady at 5.29% and 5.49%.

### •	Westpac Cuts Long-Term Rates
Westpac aggressively slashed its 3, 4, and 5-year terms by up to 0.30%. This brings their long-term specials down to match the rest of the market (starting at a sharp 5.29% for a 3-year fix).

### •	BNZ Takes a Split Approach
Bucking the trend, BNZ actually increased its shorter 1-year rate slightly to 4.79%. However, they aggressively targeted long-term borrowers by slashing their 3-to-5-year rates, matching Westpac’s highly competitive 3-year rate at 5.29%.

### •	Kiwibank Reshuffles the Deck
Going their own way, [Kiwibank](https://www.interest.co.nz/personal-finance/139181/kiwibank-shifts-its-rate-card-mostly-lower-its-two-year-fixed-home-loan) bumped up its 1-year rate to 4.75% while aggressively cutting its 4 and 5-year terms by 0.30%. While they aren't the lowest on the market, it shows they are heavily favoring borrowers who want to lock in for the long haul.

<table style="width: 100%; border-collapse: separate; border-spacing: 8px; font-family: sans-serif; background-color: #fdf2f5; color: #000033;">
  <thead>
    <tr>
      <th style="background-color: #000099; color: #ffffff; padding: 15px; border-radius: 4px; text-align: left;">Bank</th>
      <th style="background-color: #000099; color: #ffffff; padding: 15px; border-radius: 4px; text-align: left;">1-Year Fixed</th>
      <th style="background-color: #000099; color: #ffffff; padding: 15px; border-radius: 4px; text-align: left;">3-Year Fixed</th>
      <th style="background-color: #000099; color: #ffffff; padding: 15px; border-radius: 4px; text-align: left;">4-Year Fixed</th>
      <th style="background-color: #000099; color: #ffffff; padding: 15px; border-radius: 4px; text-align: left;">5-Year Fixed</th>
    </tr>
  </thead>
  <tbody>
    <tr>
      <td style="background-color: #eee6f3; padding: 20px; border-radius: 4px; font-weight: bold;">ANZ</td>
      <td style="background-color: #eee6f3; padding: 20px; border-radius: 4px;">🔻4.65%</td>
      <td style="background-color: #eee6f3; padding: 20px; border-radius: 4px;">5.49%</td>
      <td style="background-color: #eee6f3; padding: 20px; border-radius: 4px;">6.39%</td>
      <td style="background-color: #eee6f3; padding: 20px; border-radius: 4px;">6.49%</td>
    </tr>
    <tr>
      <td style="background-color: #ffffff; padding: 20px; border: 1px solid #ddd; border-radius: 4px; font-weight: bold;">Westpac</td>
      <td style="background-color: #ffffff; padding: 20px; border: 1px solid #ddd; border-radius: 4px;">4.79%</td>
      <td style="background-color: #ffffff; padding: 20px; border: 1px solid #ddd; border-radius: 4px;">🔻 5.29%</td>
      <td style="background-color: #ffffff; padding: 20px; border: 1px solid #ddd; border-radius: 4px;">🔻 5.39%</td>
      <td style="background-color: #ffffff; padding: 20px; border: 1px solid #ddd; border-radius: 4px;">🔻 5.49%</td>
    </tr>
    <tr>
      <td style="background-color: #eee6f3; padding: 20px; border-radius: 4px; font-weight: bold;">BNZ</td>
      <td style="background-color: #eee6f3; padding: 20px; border-radius: 4px;">🔺 4.79%</td>
      <td style="background-color: #eee6f3; padding: 20px; border-radius: 4px;">🔻 5.29%</td>
      <td style="background-color: #eee6f3; padding: 20px; border-radius: 4px;">🔻 5.39%</td>
      <td style="background-color: #eee6f3; padding: 20px; border-radius: 4px;">🔻 5.49%</td>
    </tr>
    <tr>
      <td style="background-color: #ffffff; padding: 20px; border: 1px solid #ddd; border-radius: 4px; font-weight: bold;">Kiwibank</td>
      <td style="background-color: #ffffff; padding: 20px; border: 1px solid #ddd; border-radius: 4px;">🔺 4.75%</td>
      <td style="background-color: #ffffff; padding: 20px; border: 1px solid #ddd; border-radius: 4px;">🔻 5.39%</td>
      <td style="background-color: #ffffff; padding: 20px; border: 1px solid #ddd; border-radius: 4px;">🔻 5.59%</td>
      <td style="background-color: #ffffff; padding: 20px; border: 1px solid #ddd; border-radius: 4px;">🔻 5.69%</td>
    </tr>
  </tbody>
</table>


**Want to see how the rest of the market stacks up?**
To keep up with current changes in NZ mortgage rates, use our [rates comparison table](https://tella.co.nz/home-loans-mortgages/rates). It tracks daily updates across all major and non-bank lenders so you can spot the best windows to lock in your next term.


## 2. Why Banks Are Cutting Rates

To understand why banks are suddenly cutting rates, we have to look at the primary driver of all interest rates: inflation.

**•	Market Cool-Down:** Global oil and energy shocks from earlier this year have quickly faded. With fuel prices dropping back down, wholesale money market costs have tumbled.

**•	OCR Outlook:** Thanks to this drop, economists expect the Reserve Bank to comfortably hold the [OCR](https://www.interest.co.nz/property/139144/anz-economists-still-expect-reserve-bank-raise-ocr-three-times-year-spite-recent) steady at 2.25% on July 8—putting any rate-hike threats firmly on ice for winter.

## 3. How to Structure Your Mortgage Refix This Winter

Because the banks are using different pricing strategies, a one-size-fits-all renewal strategy won't work:

### •	Want Shorter Flexibility?
If you think rates will fall further next year and want to keep your options open, ANZ and ASB lead the 1-year space at 4.65%.

### •	Want Long-Term Certainty?
If you want to lock in a budget safety net, the 3-year space is the cheapest it has been in months. Westpac and BNZ's recent cuts let you lock in 3 years at a sharp 5.29%.

### •	Want to Hedge Your Bets?
Split your loan. Putting 50% on a sharp 1-year rate and 50% on a slashed 3-year rate gives you a mix of immediate flexibility and long-term stability.


<div style="border: 1px solid #ddd; padding: 30px; background-color: #10059f; font-family: Arial, sans-serif; margin-bottom: 40px; color: #ffffff; border-radius: 8px;">
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    Let’s tailor your refix strategy before your current rate rolls over.
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<hr style="border: none; border-top: 2px solid black; height: 1px; width: 100%; display: block !important; visibility: visible !important; margin-top: 40px;">

<p style="font-style: italic; font-size: 0.85em; color: #555;">
  This article is for informational purposes only and does not constitute financial or professional advice. It does not consider your personal financial situation or objectives. Please consult with Tella mortgage and financial experts before making any decisions regarding your mortgage or debt strategy.
</p>

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Rolling Off a Fixed Term? Major Banks Are Slashing Rates

_**Please Note:** This newsletter was originally published on 21st May 2024. While the information presented here may still be valuable, some aspects may be outdated._
<br>


**Cash Bonus for Staying Put:**

Did you know you could potentially receive a cash bonus for simply keeping your mortgage with your current bank?  This could be a great way to get a better deal with your bank (and cash in your pocket!), without actually having to refinance.

While the specifics vary by bank and loan size, the banks are offering up to 0.90% of the loan amount for new customers. For existing customers, it's typically around 0.50% to 0.70%, taking into account the fact that you avoid refinancing costs like legal fees or valuations by staying put.

Here are some client examples: Last week, three of our clients received cash bonuses of $3,100, $5,000, and $7,540 for staying with their current banks.

Think of it as a thank you for your loyalty, and an incentive to stay for another 3 years!

**How It Works (The Simple Version)**

The specifics can vary depending on the bank and your loan details, but here's the general idea:
If you've had your home loan with your current bank for 3+ years and are out of the original contribution timeframe, you might be eligible for a cash payment.
The amount typically isn't as high as new customer incentives, but it can still be a significant amount of money.
Best part? You don't have to deal with refinancing costs like legal fees or valuations.
Tella Wants to Help You Find Out

There is one bank out there pre-empting and offering upfront. Others you have to ask. So if you have been loyal to your current bank for 3-4 years now with your home loan, it wouldn't hurt to ask and have some extra cash in your account at the moment.

At Tella, we believe in informed decision-making when it comes to your home loan. Whether you're a new borrower or a loyal customer looking for the best deal, we can help you navigate the options.

We're happy to do the legwork for you and help you maximise your savings!

**P.S.** Remember, bank incentives and offers can change frequently. This email provides a general overview as of 20th May, 2024.

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Want free cash to stay with your bank?

_**Please Note:** This video was originally published on 23rd September 2023. While the information presented here may still be valuable, some aspects may be outdated._

There's a lot to consider when it comes to refinancing your mortgage so in this free webinar we've got Ben and Andrew from Tella, along with Sarah from the One Up Project sitting down to chat about all things refinancing. They'll cover the answers to common questions such as: 

* Why might you refinance?
* How might the current environment around interest rates and cost of living affect this decision? 
* Are there financial benefits to refinancing? Cash incentives? Costs of refinancing? 
* How will my lifestyle changes affect refinancing. 
* What’s involved in refinancing? and 
* What tools does Tella have available to help me make an informed decision? 

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Don't just roll-over! Refinance your mortgage.

_**Please Note:** This newsletter was originally published on 10th March 2023. While the information presented here may still be valuable, some aspects may be outdated._

If you’re looking to buy your first home this year, conditions are more favourable than they have been for some time. And now there’s another helping hand available in the form of the Kāinga Ora First Home Partner scheme. In this newsletter we run you through what’s involved in this new co-ownership offering.

We also assess the landscape for those already on the property ladder, because 2023 will see many of you re-fixing your home loans as current fixed terms expire.

This will likely be a shock to the system (and wallet) with rates, and therefore repayment amounts, significantly higher than they were at the start of your term. It’s crucial to make the right choice when you re-fix as you’ll be locked into higher rates for a while.

What’s the best strategy now, and for how long should you re-fix? We look at some of the options you have to manage this new interest rates environment.

**Kāinga Ora First Home Partner**

As property prices fall across the country, lenders and real estate agents are reporting more first home buyers entering the market. CoreLogic data shows that a quarter of properties sold now are to first home buyers, which is a new record.

With investors still hamstrung by a 40% deposit requirement, it’s a great time to get on the property ladder if you can.

But what if you still have a shortfall between your deposit, the amount a bank will lend you, and the price of the home you want to buy? In a situation like this, Kāinga Ora’s new First Home Partner scheme could be an option.

Designed specifically for first home buyers, the scheme operates as a shared (or co) ownership model, with you as the majority homeowner and Kāinga Ora as a third-party shared owner of a property.

**So how does it work?**

Kāinga Ora will contribute a certain amount towards the price of your property (up to a maximum of 25% or $200,000 – whichever is lower), giving them an equivalent ownership share.

So, if you have a 5% deposit for the house you want to buy, and a bank is willing to lend you 75%, Kāinga Ora would fund the remaining 20% of the property price (giving them a 20% ownership stake).

You then agree to pay that 20% back to them until you’re the sole homeowner.

You’ll be responsible for any costs associated with the purchase, such as legal and conveyancing fees, and you’re also in charge of all the ongoing property ownership costs including rates, insurances and maintenance.

Kāinga Ora won’t occupy your home, or tell you what to hang on the walls, but they will have some say as a shared owner. Keep in mind that you’ll need their approval for any major renovation projects as a guard against over-capitalising on the property.

See our new [guide](https://tella.co.nz/home-loans-mortgages/first-home-buyer/kiwisaver-first-home-grant) for more details on the eligibility criteria and finer details of the First Home Partner scheme.

**Need to re-fix this year?**

If you need to re-fix your home loan this year, you’re not alone.

The Reserve Bank says that between October last year and September 2023, nearly half of Kiwis’ home loan debt is due to be re-fixed.

With uncertainty around rising interest rates, inflation, and cost of living increases, here at Tella we’re seeing lots of questions from homeowners who want to know what’s the correct strategy when it comes to re-fixing their home loans.

Is it better to go for certainty by locking in for a longer term such as 5 years? Or fix for 1 year and take the risk that interest rates will be in a better place 12 months from now when you need to fix again?

The answer is that the correct strategy is always the one tailored to your individual circumstances. And takes your plans for the next few years into account.

Typically, a 1-year fixed rate is the cheapest rate option, but NZ’s big 4 banks are currently pricing their 2-year fixed rates lower than their 1-year offering.

This is partially to do with competition amongst lenders. They all want your home loan business and are trying to make it attractive for you to switch (and then stay). Longer term rates (3-5 years) are also being priced lower than the 12-month options.

However, with most economists predicting rates to ease again from the end of 2023, there may be higher risk to you in fixing for a longer term, than a shorter one.

An important question to consider, along with individual rates and terms is: how ready are you to ride out your future interest rate jump?

Although higher rates are going to hurt, the comforting news is that lenders already factored in any potential rate rises when they assessed your home loan application. Their modelling stress-tested your ability to service their loan at higher rates, and concluded it was achievable.

But on the flip-side of this, any money you had earmarked for other purchases or activities will now go toward servicing your home loan for the period of your new term.

Get ahead of the rise now. Crunch your household budget. Reduce as much discretionary spend as you can. Also try to clear any outstanding debt (particularly high-interest credit card debt) to ease the pressure on your pay packet.

Those homeowners who are currently paying off more than the required fortnightly or monthly amount to pay down their principal more quickly, could look at temporarily dropping it back to only the amount required. This would shrink the gap between their current and higher re-fixed loan repayments.

Compare the latest interest rates for over 20 lenders [here](https://tella.co.nz/home-loans-mortgages/rates), or to us now to get the best deal when re-fixing this year. Our experienced Home Loan Specialists are available on 0800 4 TELLA (0800 4 83552). They’re here to guide you through these interest rate rises and will structure the best home loan option for you.

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 Refix your interest rate with confidence

_**Please Note:** This video was originally published on 7th July 2022. While the information presented here may still be valuable, some aspects may be outdated._

Why might you want to switch your home loan provider and what should you consider when doing so? In this video Ben will walk you through all you need to know and consider when refinancing your home loan.

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Make the SWITCH to improve your banking