TONI DAWSON, a fully qualified Mortgage Advisor, with more than 15 years’ industry experience, shares her expertise.
If you love keeping up with the property market, interest rates, the economy, and the political climate, that’s great.
But we know not everyone has the time, or the desire, or the capacity to stay across it all. For many, home loan decisions can feel overwhelming.
There’s so much noise out there! That’s where we come in. We know you, we understand your situation, and we’re always just a phone call away whenever you need support or tailored advice.
We can assist with property purchases (owner occupied, residential investment or commercial investment), business purchases, other asset purchases, existing loan maintenance and restructures, top-ups, re-fixes, refinances, construction/renovations and, like I already mentioned, tailored advice.
What’s the property market doing?
The property market is largely tracking sideways for now. But with affordability better, listing lower than last year, more existing borrowers paying less on their home loans, and the unemployment rate set to drop next year, 2026 may look stronger for both property sales volumes and values.
What are interest rates doing?
The economy remains broadly subdued and with headline inflation still just inside the policy target rate of 1 per cent to 3 per cent (September Quarter = 3 per cent) the Reserve Bank’s monetary policy easing programme is hopefully not finished just yet.
Indeed, after the 0.5 per cent OCR cut in early October, there could be one more in this cycle, on November 26, as the RBNZ looks to shore up the economy and reduce the scope for an inflation target undershoot further down the track.
- Toni Dawson, NZCFS Level 5, BBS, GradDipBusStuds (Personal Financial Planning) FSP1000506, phone 027 646 9269, at 38A Wakelin Road, Beachlands 2018.
