OCR Remains Steady – What This Means for Homebuilders in 2025

For New Zealanders planning to build, this consistency can provide reassurance and a clear foundation for decision-making.

While rates have fluctuated over recent years, this steady approach signals confidence that current monetary policy is supporting stability. For prospective homebuilders, it also means borrowing conditions are likely to stay predictable in the near term, helping you plan with greater certainty.

1. Borrowing costs remain stable

With no immediate changes to the OCR, home loan rates are expected to hold steady. This helps you budget more confidently and understand your financial position as you prepare to build.

2. A predictable environment supports planning

A steady OCR helps reduce uncertainty around lending and broader economic conditions, making this a favourable time to consider your options and map out your build.

3. Market confidence continues

At Landmark Homes, we’re seeing consistent enquiry and strong interest across the country. Many clients are taking advantage of more stable build costs and clear timelines to move their plans forward.

Whether you’re ready to start designing your new home or still weighing up your options, now is an ideal time to explore what’s possible. Our experienced New Home Consultants are here to guide you through the process and answer any questions about your journey.