OCR track locked in.

2026 will be the year of a low in the OCR

Gerald Mullaney

12 August 2025

I am calling the OCR to end the year 2025 @ 2.50% meaning the one year rate will be around 4.59% by Dec 2025

The view is that Auckland and Wellington have not crashed but collapsed therefore the view is that very soon the RBNZ will panic.

Certainly its minders will be canning their ass as Auckland in particular collapses any further, having said that, policies are being put together to save Auckland, therefore Auckland is being pre prepared for a boom into 2026.

The situation will be made to look very bad thru to Dec 2025 so the rich property investors have enough time to buy all the bargains.

Due to the point above the view is by March 2026 there is the possibility of the OCR being reduced to 2.00% meaning 3.99% one two year rate by march 2026

The retail rates could go lower by up to 00.25 - 00.50% if the banks start to compete.

The view is still the same that a low is coming the timing and the low will occur in 2026

Real focus is required from now on so that when the low occurs one is positioned to snap up a great long term rate thus securing one position against higher inflation into 2027

Bad news is good news

Property Investors are bracing for a boom

Gerald Mullaney

11 August 2025

An awesome crises is forming 

1. Oil hits low.

2. Unemployment reaches a high and is going higher.

3, Auckland market has crashed

4. People are vacating in droves to greener pastures.

5. Labour ahead in the polls will kick the coalition to move fast on projects. It will also cause the OCR TO DROP FASTER.

6. 40,000.00 people have left AUCKLAND 150,000.00 HOUSES

7. Exchange rate hovering around lows giving rich immigrants 40% discount on assets purchases.

empty, mortgagee sales thru the roof, landlords cant find tenants in Auckland and wellington

This is an awesome sign for property investors i cant' call the low just yet but it looks like there is a possibility of a 2.00% OCR RATE COMING followed by another property boom. 

As Auckland crashes i have seen it before panic is going to set in soon at the RBANK.S

BAD NEWS IS GREAT NEWS FOR PROPERTY INVESTORS.

low interest rates are only a few months away