IF I WERE A BORROWER WHAT WOULD I DO?

By now, the majority of main banks have moved to increase mortgage rates in light of the official cash rate rise.

Further interest rate hikes expected by the Reserve Bank of New Zealand this year. With some economists predicting floating mortgage rates will be up to, or just under, 7% by Christmas.

What we can definitely surmise is that we are operating in an uncertain market; with several experts suggesting Kiwis look into fixing their house mortgage rates as a pre-emptive option. Opting to stagger when each fixed mortgages come off its fixed terms is one way of mitigate the effects of



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