Will a higher OCR crash New Zealand property, or is that just what we need? In this episode we’ll unpack why bank economists are suddenly keen on future hikes, how that lines up with record profits and rising net interest margins, and what it all means for house prices, mortgage refixes, and already‑stretched Kiwi households. I’ll finish with how I’m setting my own mortgage terms right now – including a big 5‑year fix rolling off – so you’ve got a real‑world example to compare your own strategy against.

Book in a free 15-min phone call with Darcy Ungaro (financial adviser).

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Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!