Buying guide
OCR predictions for 2026 & 2027
What’s the Reserve Bank's next move?
| % | 2026 | 2027 | 2028 | ||||
|---|---|---|---|---|---|---|---|
| March | March | 2.25 | 2.25 | 2.34 | 2.34 | 2.73 | 2.73 |
| June | June | 2.2 | 2.2 | 2.45 | 2.45 | 2.8 | 2.8 |
| Sep | Sep | 2.23 | 2.23 | 2.55 | 2.55 | 2.87 | 2.87 |
| Dec | Dec | 2.28 | 2.28 | 2.65 | 2.65 | 2.9 | 2.9 |
We could be at the bottom of the cycle
As always, next moves depend on the data
| Forecaster | March 2026 | June 2026 | September 2026 | December 2026 | March 2027 | ||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| ANZ | ANZ | 2.25 | 2.25 | 2.25 | 2.25 | 2.25 | 2.25 | 2.25 | 2.25 | 2.50 | 2.50 |
| Kiwibank | Kiwibank | 2.20 | 2.20 | 2.15 | 2.15 | 2.20 | 2.20 | 2.50 | 2.50 | - | - |
| Westpac | Westpac | 2.25 | 2.25 | 2.25 | 2.25 | 2.25 | 2.25 | 2.25 | 2.25 | - | - |
| ASB | ASB | 2.25 | 2.25 | 2.25 | 2.25 | 2.25 | 2.25 | 2.25 | 2.25 | 2.50 | 2.50 |
| BNZ | BNZ | 2.25 | 2.25 | 2.25 | 2.25 | 2,25 | 2,25 | 2.25 | 2.25 | 2.50 | 2.50 |
Kiwibank
ANZ
BNZ
Westpac
ASB
OCR predictions NZ – our summary
The OCR could directly affect your level of disposable income.
What do NZ OCR predictions mean for interest rates?
How long should I fix my mortgage?
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