Mortgage Rates Drop Below 5%

Financial Adviser, Director from adviceHQ

For the first time since August 2022, a major bank has cut a mortgage rate below 5%! Westpac has dropped its 3yr special fixed home loan rate to 4.99%, alongside reductions for other fixed terms.

What does this mean for you?
✅ Refixing Soon? Now is a great time to review your options — locking in a lower rate could mean big savings.

✅ Buying a Home? Lower rates improve affordability, so it's worth reassessing your budget and options.
✅ Refinancing? If your rate is significantly higher, switching lenders might save you thousands.

This is a competitive move that could signal further rate drops ahead. If you’re wondering whether to act now or wait, let’s chat about your mortgage strategy. A quick review today could put you in a stronger position for 2025 and beyond.

📩 Get in touch for an independent mortgage review!

advicehq.co.nz

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