The era of cheap money is over
ANALYSIS: It’s time we all braced ourselves for rate hikes.
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For 18 months, the Reserve Bank gave New Zealand borrowers a rare gift. From July 2024, when the Official Cash Rate (OCR) still sat at a harsh 5.5%, Governor Adrian Orr and then acting Governor Christian Hawkesby cut, and cut, and cut again. Nine reductions later, in November 2025, the OCR had been
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