Feature article
The great bank switch
Why record numbers of Kiwi are chasing cash-backs
AI summary
According to Kelvin Davidson of Cotality, borrowers face a delicate choice between fixing mortgage rates now or waiting. A record number of Kiwis are also switching banks, chasing generous cash-backs with low break fees.
Meanwhile, property sales are outpacing new listings, which could reduce buyer negotiating power. Looking ahead, 2026 may see modest price growth, though new Debt-to-Income (DTI) rules will likely prevent another boom and ensure a measured market recovery.
The borrower's dilemma: to fix or to float?
The great bank switcheroo
Spring listings vs. sales
Outlook for 2026
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