← Cheques and Balances5 Sept · 19 min
OCR Hike: The 5 Factors Driving Mortgage Rates | Episode 533
<p><strong>The OCR is up but that doesn’t tell you the whole story about where mortgage rates are heading.</strong></p><p>James and Mike break down what actually determines your interest rate, unpacking the OCR, swap rates, wholesale funding, customer deposits and bank competition, before looking at what rising rates could mean for borrowers and the property market.</p><p><br></p><p><strong>Next Steps: </strong>Want to understand what rising rates could mean for your mortgage? Speak to Mike and the <a href="https://cutt.ly/iykOEwln" target="_blank" rel="noopener noreferer"><strong>Lighthouse Mortgages team</strong></a> about your options. </p><p><br></p><p><strong>For more money tips, follow us on:</strong></p><p><a href="https://www.facebook.com/lighthousefinancialnz/">Facebook</a></p><p><a href="https://www.instagram.com/lighthousefinancialnz/">Instagram</a></p><p>The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.</p>
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