Historical Rates Analysis Calculator




This calculator is provided as part of our partnership with Calculate.co.nz.

Our Historical Rates Analysis Calculator is a vital tool for anyone trying to navigate the New Zealand mortgage market. It provides an in-depth look at the Reserve Bank of New Zealand's (RBNZ) historical floating and 2-year fixed rates, offering valuable insights for both current and prospective homeowners.

With data dating back to June 1998, the calculator analyses over 300 financial periods, offering a comprehensive view of the interest rate landscape. Users can observe the minimum and maximum interest rates recorded, including the specific periods when these rates were observed. The tool also calculates the average, median, lower quartile and upper quartile rates, providing a nuanced understanding of rate fluctuations over time.

In addition to historical data, the calculator offers a current perspective with the latest interest rate and its comparison against historical rates. This feature helps gauge whether current rates are higher, lower or in line with historical trends. The tool goes a step further by offering a mid-long term rate recommendation, guiding users on whether rates are likely to drop or rise based on historical patterns.

Whether you're considering refinancing, taking out a new mortgage or simply keen on understanding market trends, this calculator is an indispensable resource for making informed decisions in New Zealand's dynamic mortgage environment.

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