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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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