Claire Williamson

1 month ago | wbn.co.nz | Claire Williamson

Interest rates are now well and truly falling, and with yet another drop announced by the Reserve Bank this week, we’re getting more and more questions about how to make the most of this and what the best strategies heading forward really are. At the moment borrowers are in an unprecedented position. In the next 12 months, more than 80 per cent of all loans will be re-fixed onto cheaper rates.

2 months ago | wbn.co.nz | Claire Williamson

Summer in New Zealand means barbeques, hot weather, and a few beers by the beach. It also means gatherings – of family, friends, even colleagues who want to connect and spend their downtime together. The talk often turns to property, economics, and investing (well, perhaps just in my circles!) and this year it’s got me thinking about how often these conversations really lead to real action.

Jan 9, 2025 | wbn.co.nz | Claire Williamson

2025 is shaping up to be a big year for Kiwi homeowners, buyers, investors, and mortgage holders. With economic shifts, evolving government policies, and new trends, here are my top five predictions. House prices will continue to rise, but at a slower paceProperty values are forecast to grow by 6–7% this year, driven by lower mortgage rates, limited housing supply, and increasing borrowing capacity among buyers.

Dec 2, 2024 | wbn.co.nz | Claire Williamson

Interest rate reductions have dominated recent headlines, but their impact on the lending landscape goes far deeper. These changes bring both opportunities and challenges for Kiwi homeowners and prospective buyers. The Reserve Bank of New Zealand (RBNZ) reduced the Official Cash Rate (OCR) three times this year – first to 5.25% in August, then to 4.75% in October and 4.25% last month.

Nov 5, 2024 | wbn.co.nz | Claire Williamson

Should you fix for six or 12 months after the latest Official Cash Rate (OCR) cut? The Reserve Bank’s recent decision to cut the OCR by .5% has changed the game for borrowers. With more cuts predicted, many are left wondering: should you fix your mortgage for six months or 12 months, and what could that decision mean for your finances in 2025 and beyond? When the OCR drops, mortgage rates generally follow, making borrowing more affordable.