What to know before (and after) you borrow
While interest rates may be easing elsewhere, rural lending in New Zealand is a different story. Because of regulatory requirements, agricultural loans often come with tighter conditions and higher interest rates—some reports suggest up to 1.7% more. Lenders also place more emphasis on climate resilience, compliance, and seasonal volatility, while larger farms face increased scrutiny […]
What the latest OCR cuts mean for SMEs in 2025
On 19 February and 9 April, the Reserve Bank cut the Official Cash Rate (OCR). It is now at 3.5%. What does this mean for your business? Simply put, the OCR cut is a positive shift for many SMEs—but smart financial planning is important. Need personalised advice? Get in touch — we’re here to help. […]
