The Reserve Bank of New Zealand has cut the OCR by 50 basis points in the final announcement of the year. 

Many are of the mindset that it's low enough to fix for a longer term - but that may not be the case. 

Experts say even though the cuts are looking good, banks aren't fully reflecting them in mortgage rates. 

LISTEN ABOVE

The podcasts in the SME Stream contain general information only, not financial or professional advice. Any opinions expressed in the podcasts are not necessarily shared by BNZ, or its related entities. BNZ is not liable for any losses resulting from the content of the podcasts.

The Reserve Bank of New Zealand has cut the OCR by 50 basis points in the final announcement of the year. 
Many are of the mindset that it's low enough to fix for a longer term - but that may not be the case. 
Experts say even though the cuts are looking good, banks aren't fully reflecting them in mortgage rates. 
LISTEN ABOVE
The podcasts in the SME Stream contain general information only, not financial or professional advice. Any opinions expressed in the podcasts are not necessarily shared by BNZ, or its related entities. BNZ is not liable for any losses resulting from the content of the podcasts.

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Looking for actionable business insights all in one place? 
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Debbie Roberts: The Reserve Bank should have gone further

https://api.omny.fm/orgs/7784f840-c291-422a-924b-ad9000bbad71/clips/5c986a9d-6ab7-468e-909f-b23901470219/transcript

We got another OCR cut this week - now down to 2.25% - the lowest it's been since June of 2022. 

That was the last one for the year, so a lot of us mortgage holders are trying to figure out whether things are slowing down, and if it's time to fix for a longer term this time around. 

LISTEN ABOVE

The podcasts in the SME Stream contain general information only, not financial or professional advice.

We got another OCR cut this week - now down to 2.25% - the lowest it's been since June of 2022.&nbsp;
That was the last one for the year, so a lot of us mortgage holders are trying to figure out whether things are slowing down, and if it's time to fix for a longer term this time around.&nbsp;
LISTEN ABOVE
The podcasts in the SME Stream contain&nbsp;general information only, not financial&nbsp;or professional advice.

Lisa Dudson: Is it time to fix long term?

BusinessDesk journalist Maria Slade joins Nadine to discuss her new investigative podcast, The Fall of the House of Du Val, which details how the company collapsed and what it reveals about the country’s investment rules.

Listen to The Fall of The House of Du Val on iHeartRadio, Spotify, Apple or wherever you get your podcasts.

The podcasts in the SME Stream contain general information only, not financial or professional advice.

BusinessDesk journalist Maria Slade joins Nadine to discuss her new investigative podcast,&nbsp;The Fall of the House of Du Val, which details how the company collapsed and what it reveals about the country&rsquo;s investment rules.
Listen to The Fall of The House of Du Val on <a href="https://www.iheart.com/podcast/1049-the-fall-of-the-house-of-309332092/">iHeartRadio</a>, <a href="https://open.spotify.com/show/3AgkGNyNlqHhqB1n3MHOm9?si=15678a12dc5443aa">Spotify</a>, <a href="https://podcasts.apple.com/nz/podcast/the-fall-of-the-house-of-du-val/id1856160144">Apple</a> or wherever you get your podcasts.
The podcasts in the SME Stream contain&nbsp;general information only, not financial&nbsp;or professional advice.

What we can learn about investing from the fall of Du Val

Chris Luxon says banks need to be passing on their OCR cuts to customers - and customers should be switching banks if they don't.

Mortgage rates have been falling significantly, following recent OCR cuts.

But the Reserve Bank says the banks still have room to move, to be cutting the rates further.

The Prime Minister says [told Mike Hosking] banks should be competing for customers, and customers should be trying to get the best deal they can.

LISTEN ABOVE

The podcasts in the SME Stream contain general information only, not financial or professional advice.

Chris Luxon says banks need to be passing on their OCR cuts to customers - and customers should be switching banks if they don't.
Mortgage rates have been falling significantly, following recent OCR cuts.
But the Reserve Bank says the banks still have room to move, to be cutting the rates further.
The Prime Minister says [told Mike Hosking] banks should be competing for customers, and customers should be trying to get the best deal they can.
LISTEN ABOVE
The podcasts in the SME Stream contain&nbsp;general information only, not financial&nbsp;or professional advice.

Debbie Roberts: The Reserve Bank should have gone further

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