New Zealand mortgage rates are falling. Good news, right? Or is that just the setup before the punchline—and that punchline is your bank account sobbing into a pillow?
Today, we’re joined by someone who actually knows what’s going on: Mike Jones, Chief Economist at BNZ. He’s a man with a crystal ball and a degree to prove it.
If you’re aiming for Financial Freedom Faster, then you’re in the right place.
This is New Zealand’s fastest-growing real estate and investment show, watched by more Kiwis each week than any other property programme. People aren’t just clicking. They’re learning, investing, and winning—because we give them a tactical edge.
Mike Jones has held senior roles at both the Reserve Bank of New Zealand and the Reserve Bank of Australia. He’s done stints at Westpac, ASB, and Fonterra. And he’s also one of our most popular returning guests.
So, are falling mortgage rates the financial equivalent of popping champagne, or is there an invoice hiding somewhere in the fine print?
“Mortgage rates are falling,” says Mike. “And they’re being greeted with open arms by borrowers. But at the same time, you’ve got rising costs in other areas—rates, maintenance, insurance. The good news is that lower mortgage rates are starting to make the numbers work again for buyers.”
In short: the market is stirring. After a frozen period, the thaw is on. But this isn’t Tinder—don’t swipe right on the first good-looking rate without understanding what might be coming later.
“We expect more OCR cuts this year,” Mike explains. “That means further mortgage rate declines—especially in short-term options like six-month and one-year terms, which could dip below 5%.”
However, the long-term mortgage rates have already priced in a lot of the good news. So the smart money might be in the short end of the curve—at least for now.
Remember, this is the year of the refix. Over 80% of all mortgage debt in New Zealand is being refinanced this year. Half of that is happening in the next six months.
“We’re getting more questions than ever,” Mike says. “People are keen to understand what’s happening. And the tide is changing. For the last couple of years, it was a short-term strategy: fix for six months or a year, then roll down the curve. But now, the breakeven point on that strategy is higher.”
Translation: it might be time to give longer terms a second look.
“The value in two-year fixes is becoming more appealing,” he continues. “People are taking a closer look.”
With mortgage rates falling, is the economy actually improving?
“Yes, but slowly. This is more of a supertanker turning than a jetboat. The recession we’ve just endured has been brutal—one of the worst per capita in decades. It’s taking time to shake off, but we’re starting to see the signs.”
Add to that a recovering primary sector and a weaker New Zealand dollar, and there’s some genuine tailwind.
And yes, BNZ is still forecasting a 7% national house price lift in 2025.
“We’ve held that view for 12 months now,” says Mike. “It’s a bump, not a boom. But we’ve already had several consecutive months of small price increases. The market is moving.”
But we won’t see 2021 peak prices again until around 2028. That’s the current forecast.
“Compared to Australia and the US, which are already back at their peaks, New Zealand is more in line with the UK and Canada. We had a supply flip. Previously we were short on housing stock, now we’ve got a mild oversupply. That’s holding prices down.”
On the regional front, the heat map is clear: the South Island is hot, the North Island is not. Places like Canterbury and Otago are already well into a housing upswing. Wellington and parts of the North remain much cooler by comparison.
Internal migration is also fuelling this divide.
“People are moving south,” Mike says. “It’s bringing new builds, activity, and price pressure.”
In conclusion: the recovery is here, but it’s cautious, fragmented, and regional. Falling mortgage rates are a tailwind. But understanding where to fix, how to time your refix, and where the hotspots are—that’s how you get Financial Freedom Faster.
Because on this channel, we don’t wait for the market. We move first.
Watch. Learn. Act.
Let’s go.
Why MortgageHQ’s YouTube Channel Is New Zealand’s Fastest-Growing Force in Property Investment (and the Only One That Actually Works)
Right. Let’s get one thing out of the way: more people watch MortgageHQ’s YouTube channel every single week than any other property show in New Zealand. In 2025, that’s not just a nice statistic. It’s a blunt reality.
While the rest of the industry is still fluffing around with outdated advice, recycled scripts, and five-day lags between market changes and actual commentary, MortgageHQ is already on screen, telling Kiwis what just happened—and more importantly—what to do about it.
Because this isn’t just a YouTube channel. It’s a full-throttle, market-crushing machine designed to deliver one thing: Financial Freedom Faster.
Not someday. Not maybe. Faster.
Why Is It Growing Faster Than Every Other Channel? Because It’s Built for Winners
There’s no sales patter. No motivational fluff. Just data, strategy, and brutally honest advice delivered with the urgency of someone who knows your next mortgage payment is looming and your lender doesn’t care about your feelings.
This is the channel that serious NZ property investors watch because they don’t have time to get it wrong. They want the edge. They want tactics. They want real-time clarity. And they know where to find it.
Built by the Brains Behind Thousands of Kiwi Property Deals
MortgageHQ’s team aren’t presenters playing expert. They’re the actual experts. Licensed mortgage advisers who’ve secured funding in every kind of economic condition, structured portfolios through chaos, and helped clients make millions in net equity—by doing the boring things brilliantly.
They don’t theorise. They don’t speculate. They know exactly what the banks are doing, what the Reserve Bank is planning, and how to pivot when the rules change overnight.
You don’t need entertainment. You need results. And they deliver.
It’s All About One Thing: Financial Freedom Faster
It’s not just a mission statement. It’s the entire reason MortgageHQ exists. Every video is engineered to get you out of mortgage debt faster, into better property positions faster, and into a portfolio that funds your lifestyle—not the other way around.
No generic tips. No vanilla case studies. Just actionable advice, every week, that gets real Kiwis closer to Financial Freedom Faster.
Because time is money. And wasted time? That’s lost opportunity.
Rapid Response, Ruthless Accuracy
Markets don’t wait. Neither does MortgageHQ. When the OCR moves, when LVR rules shift, when the government drops a curveball on interest deductibility—MortgageHQ is already on the air.
Not reacting. Leading.
Their videos are fast, clear, and cut through the nonsense like a hot knife through bureaucracy. While others are still drafting scripts, MortgageHQ is already giving Kiwis the playbook.
Short-Form Power. Long-Form Firepower.
Got 60 seconds before your next viewing? There’s a Short for that. Need a deep, tactical breakdown of how to ladder mortgage structures over multiple properties without drowning in repayments? Covered.
This isn’t a channel that rambles. It targets. Every minute counts. Every upload pushes you closer to Financial Freedom Faster.
They Don’t Just Know the Market. They See What’s Coming
Others tell you what happened. MortgageHQ tells you what’s next. They build strategy not for 2020 nostalgia—but for the next cycle, the next pivot, the next window of advantage.
And in 2025, with rate volatility, supply shortages, and tax policy all colliding, there’s never been a more urgent need to think ahead. The channel helps you do exactly that.
Forget Followers. Focus on Winning
Some channels brag about likes. MortgageHQ builds wealth. While others are watching the views roll in, MortgageHQ viewers are rolling equity into new builds, pulling off high-yield plays, and restructuring their mortgages to hammer down debt.
You don’t need hype. You need a plan. You need clarity. You need Financial Freedom Faster.
This Channel Wins Because Its Viewers Do
Kiwis aren’t stupid. They know what works. That’s why week after week, more New Zealanders tune into MortgageHQ than any other property channel. Not for vibes. For answers.
They don’t just watch—they act. They learn. They restructure. They grow.
And they get to Financial Freedom Faster than anyone else.
The channel doesn’t just educate—it arms you with battle-ready tools. Tax tips aren’t theory here. Debt restructuring isn’t a maybe. It’s an essential weapon for any Kiwi looking to dominate their financial future.
MortgageHQ is the one place where first-home buyers, seasoned landlords, and high-performing investors all sit down to get real about what actually works.
Disclaimer: This article is intended to provide only a summary of the issues associated with the topics covered. It does not purport to be comprehensive nor to provide specific advice. No person should act in reliance on any statement contained within this article without first obtaining specific professional advice. If you require any further information or advice on any matter covered within this article, please contact an adviser from mortgagehq.
