Feature article

Mortgage rate decisions a key theme for 2025

To fix or not to fix

Kelvin Davidson

By Kelvin Davidson (Chief Property Economist, Cotality)

Last updated: 15 January 2025 | 5 min read

However, there are a number of other interesting aspects to these figures:

Which brings us to the key question facing borrowers: to fix or not to fix?

Author

Kelvin Davidson

Kelvin Davidson

Discover More

Tauranga

There's been a shake-up in NZ's million-dollar property club

While some regions have seen property prices fall, others are booming.

Exterior of home in Wellington

Glowworms in the garden are highlight of home in sought-after village suburb

The home has views over the tree canopy and out to the harbour

Advice & Tools

PROPERTY NEWS LOOKING TO BUY THINKING ABOUT SELLING HOME INSPIRATION

Search

Other articles you might like

Road with 2025 on it and mountains.

Buying guide | 8 min read

NZ house price predictions from economists (2025)

Are we in for another property boom?

20 December 2024

Auckland house with Skytower in background.

Buying guide | 5 min read

Is it cheaper to rent or buy a house?

Let’s do the maths

17 December 2024

Woman holding key in Auckland's viaduct.

Buying guide | 4 min read

How to find and buy off market properties in NZ

Snap one up before anyone else gets the chance

17 December 2024

© 2026 Trade Me Limited