Yesterday, we had the first OCR decision under the leadership of Governor Breman, and as expected, the Reserve Bank left the OCR unchanged. But for markets and ourselves, the decision itself mattered less than the forecasts and the tone of the statement, because this was our first real chance to get some insight into how Governor Breman's "laser focus" on inflation would actually work in practice.

From 1 April 2026, the default minimum KiwiSaver contribution rate for both employees and employers will increase from 3% to 3.5%. That means if you’re currently on the minimum, a slightly larger slice of each payday will head straight into your retirement savings, and your employer will also be putting in a bit more. Over time, that extra 0.5% from both sides can add up significantly, especially when compounded over decades.

With prices having come back from their peaks and then stabilising into modest growth, 2026 looks more like a fundamentals‑driven investment market than a speculative one. Forecasts of only 2–5% annual price growth mean the days of relying on rapid capital gains alone are, for now, behind us; instead, yield, tax position, and long‑term strategy matter more. On the plus side, a more balanced market gives investors more choice, better negotiating power, and less competition fro

The Reserve Bank has shifted the Official Cash Rate (OCR) into what it calls “stimulatory” territory, with market commentary suggesting the OCR could be around 2.5–3.0% by early 2026, and mortgage rates hovering near 5–5.5% on average. However, the same commentators also stress this lower‑rate environment will not last forever, with expectations that rates will eventually drift back toward a more “neutral” level as the economy strengthens. In practice, borrowers are sitting i

2026 is shaping up as a steady year for New Zealand housing rather than a runaway boom or a painful new downturn.

The signwriting is officially up and looking fantastic at our new Takapuna office, 2-5 Northcroft Street. After settling into our new space, seeing the Advice Knight name proudly displayed on the building front means you can now find us with ease.

At Advice Knight, we are not just focused on helping you grow your wealth; we are also deeply committed to helping New Zealand’s native forests thrive. We are a proud partner of Trees That Count, an incredible initiative dedicated to restoring our country's landscapes, one native tree at a time.

Navigating the journey of homeownership can feel like a long road, but what if you could reach the finish line sooner? Paying off your mortgage faster is actually as simple as it sounds, and it can save you thousands in interest over the life of your loan. It’s all about making small, consistent changes that add up to a significant impact.

We are proud to announce that Malcolm has been recognised as one of the top mortgage advisers in New Zealand. Malcolm was named to NZ Adviser's prestigious "Top Advisers 2025" list, placing an impressive 17th out of 94 top-performing advisers across the country.

The Government has announced several significant changes to KiwiSaver, aimed at increasing long-term savings and improving fiscal sustainability.

The past quarter (January - March 2025) presented a mixed landscape for KiwiSaver investors, largely influenced by global economic shifts and, notably, the impact of new US tariff policies. While the short-term saw some contractions, the longer-term outlook remains generally positive, and significant policy changes are on the horizon.

With the end of the KiwiSaver year fast approaching on June 30, 2025, now is the time to ensure you qualify for the maximum government contribution.

n other exciting news, we have moved to new offices in Takapuna!

We're excited to introduce TWO new members of our Advice Knight family - Nick Niblett, and Rebecca Lash!

Green loans are an exciting opportunity to make environmentally friendly upgrades to your home or to purchase an electric vehicle at 0-1% interest rates.  

We’re not just about helping you grow your wealth - we're also committed to growing New Zealand's native forests. We're a proud partner with Trees That Count, an incredible initiative that's transforming our country's landscape one tree at a time.