Mortgage Rate Strategy NZ 2026: Fix for 6 Months or 5 Years? (Christchurch Update)

For information or help visit: https://www.advancedmortgagesolutions... Mortgage Rate Strategy in Uncertain Times: Should you fix for 6 months or lock in for 5 years? In this episode of Mortgage Matters, Joel Sadler and Advanced Mortgage Solutions founder Scott Miller break down the current New Zealand mortgage landscape and what it means for your next refix decision. With global uncertainty, rising wholesale funding costs, and ongoing inflation pressures, mortgage rates in NZ are being influenced by more than just the Reserve Bank’s Official Cash Rate. Scott explains why short-term rates (floating to 2 years) are driven by OCR movements, while longer-term fixed rates (3–5 years) are shaped by international markets. Key topics covered: Should you fix for 6 months or longer in 2026? How global events and inflation are impacting NZ mortgage rates Why longer-term fixed rates are rising despite local conditions The potential impact of US interest rate cuts on NZ Current bank lending conditions in New Zealand Christchurch property market update and growth outlook Scott shares a practical strategy: ➡️ Consider short-term fixes (around 6 months) if you’re comfortable with risk ➡️ Avoid mid-range terms unless going long (4–5 years) to ride out volatility ➡️ Position yourself for the next interest rate cycle shift Whether you're a first home buyer, investor, or refixing your mortgage, this episode will help you make smarter, more confident decisions. 📍 Based in New Zealand | Serving clients nationwide Get expert advice from Advanced Mortgage Solutions: https://www.advancedmortgagesolutions... 00:00 Welcome and Setup 00:30 Rates Uncertainty and Refixing 01:01 How NZ Rates Are Set 02:45 Fixing Strategy Options 03:52 US Rates and Global Ripple 06:14 Will NZ Banks Follow 07:26 Buying Now and Lending Criteria 09:30 Christchurch Market Update 10:59 How to Contact AMS 11:38 Wrap Up and Sign Off