ONLINE ENQUIRIES
Source: Ray White New Zealand
Digital activity remained elevated, with 6.89 million online users( up 44.15 per cent YoY) and 45,720 online enquiries( up 5.22 per cent). This confirms what our teams are seeing daily: buyers are active, engaged, and increasingly prepared to commit.
Interest rates have eased markedly over the past year and now sit near their cyclical lows.
More buyers are choosing flexible loan structures, including shorter fixed terms and a rising share of floating-rate lending to stay agile as markets weigh the risk of rates drifting higher from today’ s lows.
First home buyers remain a driving force, supported by improving access to low-deposit lending and loan-to-value changes enacted at the beginning of the month. Refinancing activity is also elevated, with strong lender competition and cashback incentives encouraging homeowners to review their loan structures. Together, these trends are supporting stronger buyer preparedness and renewed confidence heading into 2026.
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