Ksenia Stepanova

Ksenia Stepanova

Ksenia is a freelance contributor to NZ Adviser having previously written sponsored content across its various mortgages titles worldwide.

Ksenia is skilled in research and analysis, journalism, psychology, and writing. She graduated with a degree in Psychology from the University of Exeter. Before joining KM International, she worked as a researcher at The Legal 500, a global legal directory, where she covered legal markets across Europe, Asia, and the US.

LinkedIn | Email

Is the OCR easing cycle over? Quite possibly

Barring major setbacks, it seems likely that monetary policy won’t be newsworthy in 2026

Is the OCR easing cycle over? Quite possibly

Refixes should hold fire until next week

ANZ delivers its latest outlook, New Zealand mortgage adviser says there’s space for more cuts

Refixes should hold fire until next week

Final OCR cut expected, door left open for more

Banks expect 25bp cut but say RBNZ may need to go further in 2026

Final OCR cut expected, door left open for more

House values edge higher, CGT proposal timing ‘interesting’

Property values are showing modest trends upwards, but slow market won’t generate much capital gains tax revenue

House values edge higher, CGT proposal timing ‘interesting’

Falling mortgage rates bringing uneven relief

Rates are down, but some households are still facing above-inflation cost increases

Falling mortgage rates bringing uneven relief

First-home buyers claim record market share

FHB purchases are at a record high as serviceability substantially improves

First-home buyers claim record market share

SMEs have stopped waiting for recovery

The latest SME survey data shows rising confidence and adaptive strategies as businesses accept 'the new normal'

SMEs have stopped waiting for recovery

Small bank quietly offers lowest mortgage rate on the market

The sub-4% rate is described as "excellent", and advisers say other banks may respond with their own cuts

Small bank quietly offers lowest mortgage rate on the market

RBNZ releases stress test results

The 2025 stress test subjected the five biggest banks to ‘severe but plausible’ scenarios

RBNZ releases stress test results

Mortgage lending jumps, but borrowers still playing safe

Mortgage lending jumped to $8.18 billion in September with first home buyers, owner-occupiers and investors all opening their wallets

Mortgage lending jumps, but borrowers still playing safe