Did you know you could buy an Electric Vehicle (EV) with a bank loan at 1% interest...?
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The OCR (Official Cash Rate) has held again - and it’s triggered the same question I’ve been getting from clients this week:
“Should I break my fixed rate early to lock in something lower?”
It’s a fair question.
But it’s also where a lot of people get this wrong.
Because while a lower rate sounds like a win… it doesn’t automatically mean you’ll be better off.
Check Fund Smarter: How to borrow more, be tax efficient, & protect what you've built
If you’ve owned your home for more than a few years, you might be sitting on a "hidden" deposit without even realising it. While 2025 was a year of stabilisation, the March 2026 Cotality report confirms a fundamental shift. We are seeing a unique alignment of stars for Kiwi homeowners: 100% tax deductibility is back, interest rates have eased, and equity built up over the last five years is ready to be put to work.