August Rate Strategy
Last month I wrote about the banks cutting their longer fixed rates as oil fell. They are now busy reversing those cuts. The Middle East conflict widened again...
Swap Rates Explained
Swap rates are not necessarily something that comes up in conversation every day. Unless you are Rupert, in which case you could happily talk about them all day....
The Reserve Bank hikes the OCR: Its first rise in three years
What it means for mortgage rates and your fixed-rate decision Today the Reserve Bank lifted the Official Cash Rate by 0.25% to 2.50%. It’s the first rise since...
July Rate Strategy
A month ago a July hike looked close to locked in and the question was how high rates might climb. The quick move to a ceasefire has changed...
June Rate Strategy
Market Overview — June 2026 The Reserve Bank held the OCR at 2.25% last week — but only just. The Committee split 3-3 and the Governor’s casting vote...
Why we started Taranaki Home Loans
Taranaki Home Loans started in the same way that so many businesses start..with an idea that Rupert could not shake. He was working for a bank and going to the weekly meeting as...
Rupert Hunt’s April Rate Stategy
Taranaki Home Loans rate strategy is here. Inside, you will find a clear breakdown of the current rate environment and the main considerations for borrowers deciding what to...
Hawkish vs Dovish What’s the difference?
You may have heard the words hawkish and dovish in the news lately. They come up a lot when economists and journalists are talking about the...
Refix, Refinance and Restructure – What’s the Difference
The terms refix, refinance, and restructure can sometimes blur together and almost sound like they mean the same thing. But they are very different and understanding that difference...
What Happens to Your Mortgage When You Move House?
Buying a new home is an exciting step, but it can also bring a few big questions with it. One of the main ones is what happens...