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So, what's shaking the **NZ mortgage rates news** scene and impacting those all-important interest rates? Let's break down the key players. The **Reserve Bank of New Zealand (RBNZ)** is the big boss, setting the **Official Cash Rate (OCR)**. The OCR is essentially the interest rate at which commercial banks can borrow money from the RBNZ. When the RBNZ adjusts the OCR, it sends ripples throughout the financial system, influencing the interest rates offered by banks and other lenders. If the RBNZ raises the OCR, mortgage rates tend to go up; if they lower it, rates often fall. It's a bit like a seesaw! But the OCR isn't the only factor at play.
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