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            <p class="date">Thursday, February 19th 2026</p>
            <h2><a href="/article/976525309/rbnz-expects-slower-house-price-growth-in-the-current-recovery">RBNZ expects slower house price growth in the current recovery </a></h2>
            <p>The Reserve Bank thinks house prices will rise at a much slower pace during the current recovery than they have in past cycles.</p>

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      <h3 class="sectionHeading"><a href="/rates">Top Mortgage Rates</a></h3>
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            <td class="lenderName">Unity First Home Buyer special </td>
            <td class="rate_1year">3.95</td>
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            <td class="lenderName">SBS FirstHome Combo</td>
            <td class="rate_1year">3.99</td>
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            <td class="lenderName">TSB Special</td>
            <td class="rate_1year">4.49</td>
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            <td class="rate_1year">4.49</td>
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            <td class="rate_1year">4.49</td>
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            <td class="lenderName">ICBC</td>
            <td class="rate_1year">4.49</td>
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            <td class="lenderName">Unity Special</td>
            <td class="rate_1year">4.49</td>
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            <td class="lenderName">ASB Bank</td>
            <td class="rate_1year">4.59</td>
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            <td class="lenderName">ANZ Special</td>
            <td class="rate_1year">4.59</td>
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            <td class="lenderName">Westpac Special</td>
            <td class="rate_1year">4.59</td>
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            <td class="rate_1year">4.59</td>
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            <td class="lenderName">ICBC</td>
            <td class="rate_2year">4.89</td>
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            <td class="lenderName">Unity Special</td>
            <td class="rate_2year">4.89</td>
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            <td class="lenderName">BNZ - Std</td>
            <td class="rate_2year">4.89</td>
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            <td class="lenderName">Kiwibank Special</td>
            <td class="rate_2year">4.89</td>
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            <td class="lenderName">SBS Bank Special</td>
            <td class="rate_2year">4.89</td>
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            <td class="lenderName">Kainga Ora</td>
            <td class="rate_2year">4.95</td>
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            <td class="lenderName">China Construction Bank</td>
            <td class="rate_2year">4.95</td>
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            <td class="lenderName">TSB Special</td>
            <td class="rate_2year">5.09</td>
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            <td class="lenderName">ANZ Special</td>
            <td class="rate_2year">5.09</td>
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            <td class="lenderName">ASB Bank</td>
            <td class="rate_2year">5.09</td>
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            <td class="lenderName">Nelson Building Society</td>
            <td class="rate_2year">5.09</td>
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            <td class="lenderName">Westpac Special</td>
            <td class="rate_5year">5.59</td>
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            <td class="lenderName">ICBC</td>
            <td class="rate_5year">5.65</td>
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            <td class="lenderName">Kainga Ora</td>
            <td class="rate_5year">5.69</td>
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            <td class="lenderName">TSB Special</td>
            <td class="rate_5year">5.69</td>
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            <td class="lenderName">SBS Bank Special</td>
            <td class="rate_5year">5.69</td>
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            <td class="lenderName">AIA - Go Home Loans</td>
            <td class="rate_5year">5.69</td>
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                <tr>
            <td class="lenderName">ASB Bank</td>
            <td class="rate_5year">5.69</td>
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            <td class="lenderName">BNZ - Std</td>
            <td class="rate_5year">5.79</td>
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            <td class="lenderName">Co-operative Bank - Owner Occ</td>
            <td class="rate_5year">5.89</td>
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            <td class="lenderName">Kiwibank Special</td>
            <td class="rate_5year">5.89</td>
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            <td class="lenderName">China Construction Bank</td>
            <td class="rate_5year">5.99</td>
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            <td class="lenderName">SBS FirstHome Combo</td>
            <td class="rate_floating">3.29</td>
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            <td class="lenderName">AIA - Back My Build</td>
            <td class="rate_floating">3.34</td>
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                <tr>
            <td class="lenderName">SBS Construction lending for FHB</td>
            <td class="rate_floating">3.74</td>
        </tr>
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            <td class="lenderName">CFML 321 Loans</td>
            <td class="rate_floating">3.95</td>
        </tr>
                <tr>
            <td class="lenderName">Co-operative Bank - Owner Occ</td>
            <td class="rate_floating">4.99</td>
        </tr>
                <tr>
            <td class="lenderName">Co-operative Bank - Standard</td>
            <td class="rate_floating">4.99</td>
        </tr>
                <tr>
            <td class="lenderName">Heartland Bank - Online</td>
            <td class="rate_floating">5.30</td>
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                <tr>
            <td class="lenderName">ICBC</td>
            <td class="rate_floating">5.39</td>
        </tr>
                <tr>
            <td class="lenderName">Kiwibank - Offset</td>
            <td class="rate_floating">5.65</td>
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                <tr>
            <td class="lenderName">Kiwibank</td>
            <td class="rate_floating">5.75</td>
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                <tr>
            <td class="lenderName">Unity Standard</td>
            <td class="rate_floating">5.79</td>
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            <p class="date">Wednesday, January 07th 2026</p>
            <h3><a href="/article/976525182/queenstown-not-off-the-radar-for-first-home-buyers">Queenstown not off the radar for first home buyers</a></h3>
            <p>First home buyers are not being deterred by Queenstown&rsquo;s soaring house prices.</p>

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                                <a href="/article/976525169/record-levels-of-first-home-buyers-taking-out-low-deposit-loans">
                    <img src="https://www.goodreturns.co.nz/pics/people/Davidson_Kelvin_01.jpg" alt="Record levels of first home buyers taking out low deposit loans"/>
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            <p class="date">Tuesday, December 23rd 2025</p>
            <h3><a href="/article/976525169/record-levels-of-first-home-buyers-taking-out-low-deposit-loans">Record levels of first home buyers taking out low deposit loans</a></h3>
            <p>About half of all first home buyer lending has been done at a less than 20% deposit in recent months.</p>

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                                <a href="/article/976525122/buyers-sitting-on-the-sidelines-in-best-time-to-buy-in-a-decade">
                    <img src="https://www.goodreturns.co.nz/pics/people/Tuffley_Nick_1.jpg" alt="Buyers sitting on the sidelines in best time to buy in a decade"/>
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            <p class="date">Thursday, December 04th 2025</p>
            <h3><a href="/article/976525122/buyers-sitting-on-the-sidelines-in-best-time-to-buy-in-a-decade">Buyers sitting on the sidelines in best time to buy in a decade</a></h3>
            <p>Stable house prices, low interest rates and plenty of houses to choose from are still not enticing buyers.</p>

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                                <a href="/article/976525112/differing-views-on-50-year-mortgage">
                    <img src="https://www.goodreturns.co.nz/pics/people/Miglani_Nathan.png" alt="Differing views on 50-year mortgage"/>
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            <p class="date">Tuesday, December 02nd 2025</p>
            <h3><a href="/article/976525112/differing-views-on-50-year-mortgage">Differing views on 50-year mortgage</a></h3>
            <p>US president Donald Trump recently raised the idea of 50 year mortgages; but New Zealand advisers say such long loans won&rsquo;t take off in New Zealand.</p>

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                <em><p>I&#39;m about to inherit 1 residential (bought 5+ yrs ago, may be owned under their names) &amp; 2 commercial properties (bought 5+ yrs ago &amp; i ...</em>
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                <em><p>Interest deductibility on new builds for 20 years with code of compliance certificate after March 27,2020 irrespective of who the owners are over t ...</em>
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                <h3><a href="/ask-an-expert/4302">Transfer properties from LTC to Family Trust </a></h3>
                <em><p>Under current changes to the property if I transfer properties (got few) from LTC to Family Trust would the transferred property attract bright lin ...</em>
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                <h3><a href="/ask-an-expert/4305">Home and income property purchase in Australia</a></h3>
                <em><p>I would like to rent my owner-occupied property which is debt free and leveraging its equity (redraw facility) for a future Home and income propert ...</em>
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        <em><p>It is not the best out there for many businesses and property sector people. Sales are down across the board, our clients&rsquo; confidence is falling, and there is a lot of uncertainty.</p>
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