Demonstration · whole book

What an OCR change does to a whole book

250 sample loans sorted into Act now, Review and Wait. Change the scenario for the next Reserve Bank decision and watch who moves – and why. This is the list Base IQ hands the adviser every Monday.

The scenario – yours to choose

OCR on 9 Dec 2026: now 2.75%.

Westpac (28 Oct 2026) expects a 0.25 rise in December to 3.00% and a peak of 4.00% by September 2027 – a view, not a fact.

The book (sample)

250 loans, $172,444,000 lent, 8 homes listed for sale. Made up from a fixed seed – not real people.

Rates: calculate.co.nz (lowest advertised rate for borrowers with at least 20% equity), 21 Sep 2026.

The rules, said out loud

Act now: rate ends within 90 days, home listed for sale, or a rate-lock is possible before the decision under a rising scenario.
Review: rate ends within 180 days, about $50+ a fortnight between doing nothing and a review, equity up $60k+, or a falling scenario that says "talk before you lock".
Wait: nothing due – next look at the next rate change.

Scenario: OCR held on 9 Dec 2026

Tap a dot to see why

Change the scenario and watch the book move.

Monday's list under this scenario

top 12 of 129 · what Base IQ sends the adviser each Monday

Client	Loan	Rate ends	Why now	A fortnight
Zoe Parata Dunedin North	$1,118,000 BNZ · 5.22% · 12 mo	17 Dec 2026 46 days	fixed rate ends in 46 days; home listed for sale – a new loan is likely; about $182 a fortnight between doing nothing and a review; estimated equity up about $105k – top-up or restructure conversation	$182
Grace Robinson Albany	$345,000 Kiwibank · 6.86% · 24 mo	23 Oct 2026 -9 days	fixed rate has already ended – likely on the floating rate; home listed for sale – a new loan is likely; about $56 a fortnight between doing nothing and a review	$56
Nikau Green Dunedin North	$919,000 BNZ · 5.24% · 12 mo	29 Mar 2027 148 days	fixed rate ends in 148 days; home listed for sale – a new loan is likely; about $157 a fortnight between doing nothing and a review; estimated equity up about $103k – top-up or restructure conversation	$157
Tane Ngata Dunedin North	$852,000 ANZ · 6.57% · 24 mo	18 Oct 2026 -14 days	fixed rate has already ended – likely on the floating rate; about $132 a fortnight between doing nothing and a review; estimated equity up about $71k – top-up or restructure conversation	$132
Daniel Wright Mt Eden	$1,183,000 BNZ · 5.07% · 12 mo	19 Oct 2026 -13 days	fixed rate has already ended – likely on the floating rate; about $191 a fortnight between doing nothing and a review; estimated equity up about $102k – top-up or restructure conversation	$191
George Patel Takapuna	$392,000 ASB · 5.07% · 12 mo	22 Oct 2026 -10 days	fixed rate has already ended – likely on the floating rate; about $62 a fortnight between doing nothing and a review; estimated equity up about $106k – top-up or restructure conversation	$62
Priya Robinson Karori	$1,149,000 ASB · 6.77% · 18 mo	15 Oct 2026 -17 days	fixed rate has already ended – likely on the floating rate; about $202 a fortnight between doing nothing and a review	$202
Olivia Kumar Mt Maunganui	$785,000 Kiwibank · 6.45% · 36 mo	28 Oct 2026 -4 days	fixed rate has already ended – likely on the floating rate; about $127 a fortnight between doing nothing and a review	$127
Sophie Patel Lower Hutt	$795,000 Westpac · 5.07% · 6 mo	28 Oct 2026 -4 days	fixed rate has already ended – likely on the floating rate; about $171 a fortnight between doing nothing and a review	$171
Liam Clark Mt Eden	$1,168,000 ANZ · 7.08% · 24 mo	29 Oct 2026 -3 days	fixed rate has already ended – likely on the floating rate; about $197 a fortnight between doing nothing and a review	$197
Emma Clark Karori	$794,000 ASB · 6.62% · 24 mo	29 Oct 2026 -3 days	fixed rate has already ended – likely on the floating rate; about $140 a fortnight between doing nothing and a review	$140
Kiri Campbell Takapuna	$892,000 Westpac · 6.99% · 24 mo	30 Oct 2026 -2 days	fixed rate has already ended – likely on the floating rate; about $209 a fortnight between doing nothing and a review	$209

Every client here is made up. The dollars a fortnight compare the bank's standard rate with the lowest advertised special for the same term, under the scenario chosen above (see "One client" for the working). Information, not advice.