Another RBNZ Flip-Flop
Another RBNZ flip-flop last week — holding the OCR at 3.25% and stirring up more uncertainty with talk of potential cuts later, despite their mandate to promote stability.
📉 Most economists and market watchers still agree: we’re at or near the bottom of the interest rate cycle, with maybe one or two modest cuts to come — depending on how the economy tracks. This is reflected in the 2yr swap rate (which influences bank funding and fixed-rate pricing), which has remained relatively flat over the past 3mths.
🤔 Which begs the question — why not cut 0.50% last time and then hold, instead of adding more uncertainty?
What hasn’t changed is the value of independent financial advice to help make smart decisions — whether you’re refixing, refinancing or restructuring.
#adviceHQ #independentfinancialadvice #mortgagerates #RBNZ #ocr
Poll: Do you set New Year’s resolutions?
🎉 2026 is almost here!
We’re curious ... how do you welcome it?
Do you set resolutions, follow special traditions, or just go with the flow?
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0% Yes! New Year, New Me
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33.3% Yes - but I rarely stick to them
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66.7% Nah - not for me
Poll: 🗑️ Would you be keen to switch to a fortnightly rubbish collection, or do you prefer things as they are?
Aucklanders, our weekly rubbish collections are staying after councillors voted to scrap a proposed trial of fortnightly pick-ups.
We want to hear from you: would you be keen to switch to a fortnightly rubbish collection, or do you prefer things as they are?
Keen for the details? Read up about the scrapped collection trial here.
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85% Same!
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15% Would have liked to try something different
Poll: Is it ok to regift something that you have been given?
🎁 Holiday Gift Chat!
Do you ever regift?
What’s your take on asking for a receipt if a gift doesn’t fit?
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78.7% Yes! It's better to regift what I don't need
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21.3% No. It's the thought and effort that matters
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