Mortgage Rates are Falling
Mortgage rates are falling as markets believe monetary policy tightening will end sooner than originally expected. In other words, interest rate rises got ahead of themselves.
The graph below shows the 3yr swap rate which indicates bank funding costs have fallen 1% since the 16 June peak, (from 4.6% to 3.6%). If you are wondering what is the gap between swap rates and mortgage rates, it's called margin.
Call/email/message adviceHQ now to refix/refinance/restructure.
Neighbourhood Challenge: Who Can Crack This One? ⛓️💥❔
What has a head but no brain?
Do you think you know the answer? Simply 'Like' this post if you know the answer and the big reveal will be posted in the comments at 2pm on the day!
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Poll: Are Kiwis allergic to “exuberance”? 🥝
In The Post’s opinion piece on the developments set to open across Aotearoa in 2026, John Coop suggests that, as a nation, we’re “allergic to exuberance.”
We want to know: Are we really allergic to showing our excitement?
Is it time to lean into a more optimistic view of the place we call home? As big projects take shape and new opportunities emerge, perhaps it’s worth asking whether a little more confidence (and enthusiasm!) could do us some good.
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40.5% Yes
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34.4% Maybe?
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25.1% No
Suellen's Sweet Christmas Tradition
The festive season is the perfect excuse to indulge your sweet tooth and to bring something truly special to the Christmas table. For Suellen’s family, that showstopper is Croquembouche !
An impressive tower of cream puffs bound together with delicate spun sugar, this classic dessert is a favourite at weddings across France and Italy and a much-loved Christmas tradition at home.
Click read more for the full recipe.
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