So, what’s changed?
The New Zealand property market is on the brink of a significant growth phase, presenting a unique opportunity for both first-home buyers and seasoned investors(3). According to recent reports, the market is expected to see a median property value increase of 7.06% in 2025. This growth is driven by several factors, including favorable economic conditions, low interest rates, and increased consumer confidence.
If that wasn’t enough, the Reserve Bank of New Zealand's recent monetary policy adjustments, including a reduction in the official cash rate, have created a conducive environment for borrowing and investment. Additionally, the recovery from the economic impacts of the pandemic has led to a resurgence in demand for residential properties, with many buyers eager to take advantage of the current market conditions.
More equity in your home, faster.
Experts predict that this growth phase will be sustained over the next few years, with property values continuing to rise as the economy stabilises. This is particularly beneficial for first-home buyers, who can enter the market at a time when property values are set to appreciate, thereby building personal equity more quickly. For existing homeowners, this growth phase offers an excellent opportunity to review and potentially refix their mortgage structures to secure better terms and rates.
In summary then, the New Zealand property market is poised for substantial growth, making it an ideal time for buyers and investors to capitalise on the favorable conditions. With expert guidance and strategic planning, you can make the most of this promising market phase and secure a prosperous financial future.
Clear as mud?
This all adds up to banks engaging in a mortgage rate war(4), clambering over each other to offer you the best rate they can on a mortgage, in a very favourable buying market. If you ever wanted to take advantage of banks scrambling for your business, it looks like now might be the time!
How MTF can help you choose
It’s important to have an experienced hand to help you navigate these opportunities and make the best decisions for your financial future. Here’s how we can assist you:
- First-Home Buyers: We can guide you through the process of securing your first mortgage, ensuring you understand all your options and get the best deal possible, whether that’s from a bank or the growing number of non-bank lenders in New Zealand.
- Refixing: If you have an existing mortgage, we can help you review your current terms and see if refinancing could save you money or provide better terms. It costs nothing to ask!
- Property Investment: If you're looking to expand your property portfolio, we can provide financing options.
Let's Get Started!
Reach out to your MTF Mortgage Adviser to discuss your mortgage needs and take advantage of the current opportunities in the market. Whether you're just starting your property journey or looking to make the most of your existing home loan, we’re here to help you every step of the way.
Citations
- FULL REPORT: New Zealand’s Housing Market in 2025: Why Buyers & Sellers Are Playing It Safe - Property News AU/NZ | propertynoise.co.nz & propertynoise.com.au
- New residential mortgage standard rates
- New Zealand property market poised for 5-7% growth in 2025, says Raine & Horne
- Mortgage war? Banks competing hard to win customers | RNZ News
