A Fresh Spring Shift: Lower Rates, Easier Lending & Stronger Buyer Demand in Kāpiti
October 2025 has delivered the kind of news property sellers love: interest rates have eased, and banks across New Zealand — including the major lenders active on the Kāpiti Coast — have started relaxing some of their lending criteria. Together, these changes are creating renewed confidence among buyers and increasing activity across the local market.
After a few years of tighter credit conditions, banks are once again prioritising new lending. Many have softened their servicing tests, reintroduced competitive incentives, and streamlined approval pathways for well-qualified buyers. Combined with lower interest rates, this means more people can borrow — and more buyers are actively looking.
For Kāpiti homeowners considering a move, this shift matters. Reduced borrowing costs widen the pool of potential purchasers, while easier approval processes help serious buyers act faster and with greater certainty. Open homes have seen a noticeable lift in both attendance and enquiry, and properties that are well-presented and well-priced are attracting multiple interested parties again.
Spring traditionally brings stronger buyer motivation, but this year’s financial tailwinds are amplifying that seasonal uplift. If you’ve been sitting on the fence, now is an excellent moment to explore your options and position your home for a confident, competitive sale.
Understanding where your property sits in this improving climate is the first step.
Thinking of selling? Request your confidential appraisal and tailored sale proposal from Andrea Corrigan at Property Brokers today. Let’s make the most of these favourable conditions and plan your next move with clarity and momentum.
Have you considered buying or selling a property? Or do you know of a family member, friend or colleague who is considering buying or selling a property? Contact Andrea Corrigan to experience next level service.
