RBNZ publishes the Official Cash Rate seven times a year. Lenders reprice within hours. Most Kiwi households are left guessing. We publish what it actually means for your repayments inside two hours of every decision, plus a steady drip of mortgage, KiwiSaver and insurance writing in between.
Three scenarios pre-modelled: a 25bp cut, a hold, a 25bp hike. If you have a refix landing in the next 6 months, here's the call we'd make for each. Published live within 2 hours of the decision under Craig's byline.
Bookmark this page for 27 May →Most NZ adviser firms don't publish to a calendar. We do, because RBNZ does, and our clients pay attention.
The textbook answer is "fix when rates are falling, float when they're rising." The real answer is more interesting and depends on what you can stomach.
LVR, DTI, OCR, swap rate, CCCFA, Bright-line, PIR, FAP, FSP, FDRS, MIE. Thirty-odd terms, plain-English definitions, and what each one means for you.
It's not the size of your KiwiSaver. It's the timing of when you tell the bank about it. Three real client examples and the fix.
About a third of KiwiSaver members are in a default conservative fund they were auto-enrolled into. For most of them, that costs roughly six figures by retirement.
If you're employed and earning, you have ACC. You might think that covers you. It covers about a third of the things that stop people working long-term.
Banks calculate break costs to discourage you. Sometimes the cashback and new rate still make it the right call. Here's the calculator we use.
Online calculators give you a fantasy number. Banks use a servicing test rate of around 9% on the loan and a UCCC living-cost figure that may not match yours. Here's the real maths.
The OCR moves seven times a year. Your mortgage rate moves with swap rates, which move daily. Here's the linkage in plain English.
Buy with a 5% deposit at the same interest rate. Caps, eligibility, the LMI question, and the three traps we see at application.
Before the next job hunt, before the LinkedIn post, before anything: there are three financial things to do in the first 48 hours. Most people skip two of them.
Banks are offering $4,000 to $7,000 of cashback to switch. When is it worth the break cost? Here's the simple formula we use.
The Bright-line period for residential property is now two years. Interest deductibility is back to 100%. Here's how the picture has changed for an investor in 2026.
What it pays for. What it doesn't. The five major insurers. Why premiums climb every year. And when it's worth it.
At 65 the rules quietly change. Employer contributions become optional. Member tax credits stop. Withdrawal becomes possible. Most people don't notice and lose money quietly.
A real claim from our book, real timeline, real numbers. What private health cover actually does when public waitlists run to 18 months.
More posts being migrated. The full back-catalogue lands over the next four weeks.
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