TL;DR RBNZ OCR cuts are lowering mortgage rates, boosting affordability (RBNZ). Sales volumes rose 4% year-on-year in July 2025, signalling demand recovery (REINZ). Mortgage deals from 3.99% highlight competitive lending (RNZ). Banks forecast 3–7% house price growth through 2025–26 (ANZ, Kiwibank, Westpac). For sellers: lower…