Tag Archives | interest rates

Is Now The Time To Fix Your Mortgage?

The time is right to fix loans to get the best interest rates on offer says an expert in the latest article on NZHerald. On PropertyTalk property investors say irrespective of market changes they use both fixed and floating loans across their portfolio to spread the risk.

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NZ Dollar Direct Influence On OCR Moves

There as been no change in the OCR however another cut is expected in 2015 and there maybe a further cut in 2016. Future movement in the OCR is said to be linked to the value of the NZ Dollar and right now the NZD is too high to maintain inflation at the target rate of 2%. A lower OCR will provide some upside for home owners with lower interest rates.

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Interest Rates Hold Till Next Year

For property investors it’s a good day when the Reserve Bank decides to hold the official cash rate. A hold on the OCR usually means interest rates also remain the same or drop and that of course is good news for anyone with a variable home mortgage loan or a fixed rate loan coming up for renewal.

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Good and Bad News for First Home Buyers

Finding the deposit for a first home is a huge financial hurdle and around two thirds of first home buyers obtain a high loan-to-value ratio (LVR) loan. The LVR is simply the amount of lending compared to the value of the property, and an LVR of more than 80% is considered to be high.

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