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![Merry Christmas & best wishes for 2025](https://static.wixstatic.com/media/98260f9c1a464c28b2c4a55fd47b64da.jpg/v1/fill/w_201,h_151,fp_0.50_0.50,q_90,enc_auto/98260f9c1a464c28b2c4a55fd47b64da.webp)
Simon Rule
Dec 23, 20241 min read
Merry Christmas & best wishes for 2025
On behalf of Rule Financial Services, we’d like to thank you for your support during 2024.  2024 has been a tough year financially and...
![](https://static.wixstatic.com/media/nsplsh_b6b00807757d4ca2b8022d246c023572~mv2.jpg/v1/fill/w_250,h_250,fp_0.50_0.50,q_30,blur_30,enc_auto/nsplsh_b6b00807757d4ca2b8022d246c023572~mv2.webp)
![Official Cash Rate reduced again](https://static.wixstatic.com/media/nsplsh_b6b00807757d4ca2b8022d246c023572~mv2.jpg/v1/fill/w_201,h_151,fp_0.50_0.50,q_90,enc_auto/nsplsh_b6b00807757d4ca2b8022d246c023572~mv2.webp)
Simon Rule
Nov 27, 20244 min read
Official Cash Rate reduced again
Following the Reserve Bank’s (RBNZ) announcement today Wednesday the 27th of November that it is reducing the Official Cash Rate (OCR) by...
![](https://static.wixstatic.com/media/f7c0c3_a88828b0fd4044b4ae58db59802841f3~mv2.jpg/v1/fill/w_250,h_250,fp_0.50_0.50,q_30,blur_30,enc_auto/f7c0c3_a88828b0fd4044b4ae58db59802841f3~mv2.webp)
![Reserve Bank's competency questioned](https://static.wixstatic.com/media/f7c0c3_a88828b0fd4044b4ae58db59802841f3~mv2.jpg/v1/fill/w_201,h_151,fp_0.50_0.50,q_90,enc_auto/f7c0c3_a88828b0fd4044b4ae58db59802841f3~mv2.webp)
Simon Rule
Oct 9, 20243 min read
Reserve Bank's competency questioned
Following the Reserve Bank’s (RBNZ) announcement today Wednesday the 9th of October that it is reducing the Official Cash Rate (OCR) by...
![](https://static.wixstatic.com/media/da73c50a72bc4ea4ba2fb7f20892a464.jpg/v1/fill/w_250,h_250,fp_0.50_0.50,q_30,blur_30,enc_auto/da73c50a72bc4ea4ba2fb7f20892a464.webp)
![Reserve Bank flip-flops](https://static.wixstatic.com/media/da73c50a72bc4ea4ba2fb7f20892a464.jpg/v1/fill/w_201,h_151,fp_0.50_0.50,q_90,enc_auto/da73c50a72bc4ea4ba2fb7f20892a464.webp)
Simon Rule
Aug 15, 20243 min read
Reserve Bank flip-flops
Following the Reserve Bank’s (RBNZ) announcement yesterday Wednesday the 14th of August that it was reducing the Official Cash Rate (OCR)...
![](https://static.wixstatic.com/media/11062b_e24a09b8c5ed4de5a2a9dc18827324de~mv2.jpeg/v1/fill/w_250,h_250,fp_0.50_0.50,q_30,blur_30,enc_auto/11062b_e24a09b8c5ed4de5a2a9dc18827324de~mv2.webp)
![No interest rate relief for mortgage holders until 2025.](https://static.wixstatic.com/media/11062b_e24a09b8c5ed4de5a2a9dc18827324de~mv2.jpeg/v1/fill/w_201,h_151,fp_0.50_0.50,q_90,enc_auto/11062b_e24a09b8c5ed4de5a2a9dc18827324de~mv2.webp)
Simon Rule
May 27, 20244 min read
No interest rate relief for mortgage holders until 2025.
Following the Reserve Bank’s (RBNZ) announcement last Wednesday the 22nd of May that it was leaving the Official Cash Rate (OCR)...
![](https://static.wixstatic.com/media/f7c0c3_cffcbfe4720c4ea8ad4145d1cfb4b576~mv2.jpg/v1/fill/w_250,h_250,fp_0.50_0.50,q_30,blur_30,enc_auto/f7c0c3_cffcbfe4720c4ea8ad4145d1cfb4b576~mv2.webp)
![Borrowers unlikely to see interest rates change much in 2024](https://static.wixstatic.com/media/f7c0c3_cffcbfe4720c4ea8ad4145d1cfb4b576~mv2.jpg/v1/fill/w_201,h_151,fp_0.50_0.50,q_90,enc_auto/f7c0c3_cffcbfe4720c4ea8ad4145d1cfb4b576~mv2.webp)
Simon Rule
Apr 11, 20243 min read
Borrowers unlikely to see interest rates change much in 2024
Following the Reserve Bank’s (RBNZ) announcement yesterday on the 10th of April that it was leaving the Official Cash Rate (OCR)...
![](https://static.wixstatic.com/media/f7c0c3_cffcbfe4720c4ea8ad4145d1cfb4b576~mv2.jpg/v1/fill/w_250,h_250,fp_0.50_0.50,q_30,blur_30,enc_auto/f7c0c3_cffcbfe4720c4ea8ad4145d1cfb4b576~mv2.webp)
![RBNZ doubles down on inflation target](https://static.wixstatic.com/media/f7c0c3_cffcbfe4720c4ea8ad4145d1cfb4b576~mv2.jpg/v1/fill/w_201,h_151,fp_0.50_0.50,q_90,enc_auto/f7c0c3_cffcbfe4720c4ea8ad4145d1cfb4b576~mv2.webp)
Simon Rule
Feb 28, 20243 min read
RBNZ doubles down on inflation target
Following the Reserve Bank’s (RBNZ) announcement yesterday the 28th of February that it was leaving the Official Cash Rate (OCR)...
![](https://static.wixstatic.com/media/f7c0c3_cffcbfe4720c4ea8ad4145d1cfb4b576~mv2.jpg/v1/fill/w_250,h_250,fp_0.50_0.50,q_30,blur_30,enc_auto/f7c0c3_cffcbfe4720c4ea8ad4145d1cfb4b576~mv2.webp)
![When will mortgage rates actually start falling?](https://static.wixstatic.com/media/f7c0c3_cffcbfe4720c4ea8ad4145d1cfb4b576~mv2.jpg/v1/fill/w_201,h_151,fp_0.50_0.50,q_90,enc_auto/f7c0c3_cffcbfe4720c4ea8ad4145d1cfb4b576~mv2.webp)
Simon Rule
Jan 30, 20243 min read
When will mortgage rates actually start falling?
Happy New Year! I hope you had a nice Christmas with your family and that you also managed to have a decent break from work. To start the...
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![Merry Christmas & best wishes for 2024](https://static.wixstatic.com/media/11062b_e0160fd1018e454fa295d134a5579bba~mv2.jpg/v1/fill/w_201,h_151,fp_0.50_0.50,q_90,enc_auto/11062b_e0160fd1018e454fa295d134a5579bba~mv2.webp)
Simon Rule
Dec 21, 20231 min read
Merry Christmas & best wishes for 2024
On behalf of Rule Financial Services, we’d like to thank you for your support during 2023. 2023 has been a tough year financially for...
![](https://static.wixstatic.com/media/f7c0c3_a88828b0fd4044b4ae58db59802841f3~mv2.jpg/v1/fill/w_250,h_250,fp_0.50_0.50,q_30,blur_30,enc_auto/f7c0c3_a88828b0fd4044b4ae58db59802841f3~mv2.webp)
![What will the Reserve Bank do next?](https://static.wixstatic.com/media/f7c0c3_a88828b0fd4044b4ae58db59802841f3~mv2.jpg/v1/fill/w_201,h_151,fp_0.50_0.50,q_90,enc_auto/f7c0c3_a88828b0fd4044b4ae58db59802841f3~mv2.webp)
Simon Rule
Nov 29, 20235 min read
What will the Reserve Bank do next?
Following the Reserve Bank’s (RBNZ) announcement made today on the 29th of November that it was leaving the Official Cash Rate (OCR)...
![](https://static.wixstatic.com/media/f7c0c3_cffcbfe4720c4ea8ad4145d1cfb4b576~mv2.jpg/v1/fill/w_250,h_250,fp_0.50_0.50,q_30,blur_30,enc_auto/f7c0c3_cffcbfe4720c4ea8ad4145d1cfb4b576~mv2.webp)
![Inflation falling but not fast enough.](https://static.wixstatic.com/media/f7c0c3_cffcbfe4720c4ea8ad4145d1cfb4b576~mv2.jpg/v1/fill/w_201,h_151,fp_0.50_0.50,q_90,enc_auto/f7c0c3_cffcbfe4720c4ea8ad4145d1cfb4b576~mv2.webp)
Simon Rule
Oct 30, 20234 min read
Inflation falling but not fast enough.
Following the Reserve Bank’s announcement made on the 4th of October that it was leaving the Official Cash Rate (OCR) unchanged at 5.50%,...
![Is the Reserve Bank done raising interest rates?](https://static.wixstatic.com/media/42197a_56494a00dfa44a5e8d7006f4d3d6cef7~mv2.png/v1/fill/w_201,h_151,fp_0.50_0.50,q_95,enc_auto/42197a_56494a00dfa44a5e8d7006f4d3d6cef7~mv2.webp)
Simon Rule
Aug 21, 20234 min read
Is the Reserve Bank done raising interest rates?
Following the Reserve Bank’s announcement last Wednesday that it was leaving the Official Cash Rate (OCR) unchanged at 5.50% I thought...
![Inflation impacts mortgage rates](https://static.wixstatic.com/media/42197a_d0b04a7f14e745d79ed08ab11fa261ca~mv2.png/v1/fill/w_201,h_151,fp_0.50_0.50,q_95,enc_auto/42197a_d0b04a7f14e745d79ed08ab11fa261ca~mv2.webp)
Simon Rule
Jul 19, 20234 min read
Inflation impacts mortgage rates
Following the Reserve Bank’s (RBNZ) announcement last Wednesday that it was leaving the Official Cash Rate (OCR) unchanged at 5.50% I...
![Tough times for borrowers](https://static.wixstatic.com/media/42197a_56494a00dfa44a5e8d7006f4d3d6cef7~mv2.png/v1/fill/w_201,h_151,fp_0.50_0.50,q_95,enc_auto/42197a_56494a00dfa44a5e8d7006f4d3d6cef7~mv2.webp)
Simon Rule
May 31, 20235 min read
Tough times for borrowers
Following the Reserve Bank’s (RBNZ) announcement last Wednesday that it was increasing the Official Cash Rate (OCR) by 0.50% to 5.50% I...
![Inflation, inflation, inflation](https://static.wixstatic.com/media/42197a_56494a00dfa44a5e8d7006f4d3d6cef7~mv2.png/v1/fill/w_201,h_151,fp_0.50_0.50,q_95,enc_auto/42197a_56494a00dfa44a5e8d7006f4d3d6cef7~mv2.webp)
Simon Rule
Apr 5, 20233 min read
Inflation, inflation, inflation
Following the Reserve Bank’s (RBNZ) announcement that it is increasing the Official Cash Rate (OCR) by 0.50% to 5.25% I thought you would...
![RBNZ delivers more pain for borrowers](https://static.wixstatic.com/media/42197a_d0b04a7f14e745d79ed08ab11fa261ca~mv2.png/v1/fill/w_201,h_151,fp_0.50_0.50,q_95,enc_auto/42197a_d0b04a7f14e745d79ed08ab11fa261ca~mv2.webp)
Simon Rule
Feb 24, 20233 min read
RBNZ delivers more pain for borrowers
Following the Reserve Bank’s (RBNZ) announcement on Wednesday that it is increasing the Official Cash Rate (OCR) by 0.50% to 4.75% I...
![](https://static.wixstatic.com/media/11062b_23b12fcd680c4d7ab95dde15d9c7b981~mv2.jpeg/v1/fill/w_250,h_250,fp_0.50_0.50,q_30,blur_30,enc_auto/11062b_23b12fcd680c4d7ab95dde15d9c7b981~mv2.webp)
![Merry Christmas & best wishes for 2023](https://static.wixstatic.com/media/11062b_23b12fcd680c4d7ab95dde15d9c7b981~mv2.jpeg/v1/fill/w_201,h_151,fp_0.50_0.50,q_90,enc_auto/11062b_23b12fcd680c4d7ab95dde15d9c7b981~mv2.webp)
Simon Rule
Dec 19, 20221 min read
Merry Christmas & best wishes for 2023
On behalf of Rule Financial Services, we’d like to thank you for your support during 2022. 2022 has a been a challenging year for many...
![OCR increases by record level](https://static.wixstatic.com/media/42197a_d0b04a7f14e745d79ed08ab11fa261ca~mv2.png/v1/fill/w_201,h_151,fp_0.50_0.50,q_95,enc_auto/42197a_d0b04a7f14e745d79ed08ab11fa261ca~mv2.webp)
Simon Rule
Nov 23, 20223 min read
OCR increases by record level
Following the Reserve Bank’s announcement today that it is increasing the Official Cash Rate (OCR) by 0.75% to 4.25% I thought you would...
![Reserve Bank raises cash rate again](https://static.wixstatic.com/media/42197a_56494a00dfa44a5e8d7006f4d3d6cef7~mv2.png/v1/fill/w_201,h_151,fp_0.50_0.50,q_95,enc_auto/42197a_56494a00dfa44a5e8d7006f4d3d6cef7~mv2.webp)
Simon Rule
Oct 6, 20222 min read
Reserve Bank raises cash rate again
Following the Reserve Bank’s announcement this Wednesday that it was increasing the Official Cash Rate (OCR) again by 0.50% to 3.50% I...
![Reserve Bank increases OCR to 3.00%](https://static.wixstatic.com/media/42197a_d0b04a7f14e745d79ed08ab11fa261ca~mv2.png/v1/fill/w_201,h_151,fp_0.50_0.50,q_95,enc_auto/42197a_d0b04a7f14e745d79ed08ab11fa261ca~mv2.webp)
Simon Rule
Aug 18, 20222 min read
Reserve Bank increases OCR to 3.00%
Following the Reserve Bank’s announcement this week that it was increasing the Official Cash Rate (OCR) again by 0.50% to 3.00% I thought...
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