Welcome to mortgagehq — New Zealand’s go-to channel for property investors, homeowners, and Kiwis wanting to stay ahead of the real estate storm. In this powerful episode, we’re joined by Mike Jones, Chief Economist at BNZ, to unpack the shifting climate of New Zealand mortgage rates and what rising and falling rates really mean for your wallet, your home, and your investment future.
Think of the market like New Zealand’s weather — unpredictable, fast-changing, and full of hidden pressure systems. Mortgage rates don’t just move — they bounce, and that bounce can feel like a sudden cold snap or a surprise heatwave on your financial forecast.
In this episode, we answer:
☀️ What triggers a mortgage rate bounce?
🌧️ How do the Reserve Bank’s decisions affect your fixed vs floating rates?
🌈 Will interest rates rise again — or are clearer skies ahead for homeowners and investors?
🌪️ What can investors do right now to protect and grow their property portfolios?
⛅ Is this the eye of the storm… or just the beginning?
🔍 Whether you’re a first-time buyer, seasoned investor, or just trying to navigate the real estate forecast, this conversation will give you clarity, strategy, and insight — straight from one of the most trusted economists in New Zealand.
Why watch this video?
Mike Jones brings a wealth of macroeconomic insight, local knowledge, and practical advice that could shift how you think about New Zealand real estate investing. Don’t let the mortgage market catch you off guard — understand what the “bounce” really means and what you should do next.
📍 mortgagehq is here to help everyday New Zealanders make smarter mortgage and property decisions. Whether you’re investing, refinancing, or simply trying to understand your options — we’re your trusted guide through the economic weather system.
🔑 In this episode, you'll learn:
The real reason behind mortgage rate volatility in New Zealand
How interest rate movements impact your borrowing power
What top investors are doing in this market
BNZ’s economic forecast for the months ahead
How to turn uncertainty into opportunity
🎯 This is a must-watch for:
✔️ New Zealand property owners
✔️ Real estate investors
✔️ Kiwis looking to grow wealth through property
✔️ First-time buyers wanting a strategy
✔️ Anyone curious about what happens when mortgage rates bounce
🌐 For personalized mortgage advice, visit: www.mhq.co.nz — your home for expert guidance and smart property strategies from mortgagehq. We’ve helped thousands of New Zealanders get mortgage-free faster, and we can help you too.
💬 Subscribe to the mortgagehq YouTube channel for weekly deep-dives, expert interviews, and real-time market insights. Don’t forget to like, comment, and share this video to help more Kiwis navigate the real estate storm with confidence.
#mortgagehq #NZproperty #NewZealandInvesting #BNZeconomics #MortgageRates
Learn more: https://mhq.co.nz/mortgage/what-happens-when-mortgage-rates-bounce/
Chapters
00:00 Should we be excited about dropping mortgage rates?
01:50 Are NZ mortgage rates something you will regret later?
03:12 What should we be locking in with NZ mortgage rates now?
04:40 Is the NZ economy improving?
05:44 Should we trust this recovery?
06:54 BNZ forecast: 7% lift in national house prices 2025
08:07 When are we going back to peak 2021 price levels?
09:29 Difference in house prices overseas
10:48 Regional hot spots and areas of concerns
12:35 Keep up with Mike
Click now if you want Financial Freedom Faster:
https://mhq.co.nz/20-case-studies-of-mum-and-dad-investors-buying-8-5-gross-yield
Disclaimer: This video is for entertainment purposes only and is not financial advice. Opinions in this video are general in nature and are not a recommendation, opinion or guidance to any viewer in relation to acquiring or disposing of a financial product. Viewers should not rely on these opinions and should always seek specific independent financial advice appropriate to their own individual circumstances.
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