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RBNZ


Auckland view from Mt Eden

Auckland house sales fall 30%

Auckland sales volumes are down 30% year-on-year and Barfoot & Thompson is saying that hou...

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Bottles of beer in a fridge

Don't get caught with a hangover

It’s midnight on a Saturday night and you’re out on the town. It’s been a great night so f...

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Yellow field landscape, converse shoes in foreground

Making sense of the mortgage landscape

There’s no doubt about it – the mortgage landscape has changed. Credit markets are tighten...

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Graphs and keyboard on a desk

Banking on margins

The reality is that the industry is looking to mortgage margins to restore profitability f...

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Wallet being tightened by clamp

Tighter credit policy will drive the housing market in 2017

I am always frustrated by our media and how they report house prices. Tabloid rubbish boun...

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Mortgage paperwork, house

Why you should review your mortgage in 2017

Banks offering you cash for signing up a mortgage is a relatively new phenomenon, and one ...

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Houses on coins ratio

Debt to income ratios

There has been talk this week about debt-to-income ratios due to the Reserve Bank asking t...

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Question mark, JB video

3 serious implications of new LVR restrictions for investors

New LVR restrictions from the Reserve Bank are significantly changing the borrowing landsc...

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Auckland residential suburb

Will the RBNZ inadvertently create a Minsky moment?

Commentators continue to talk up the property market and increasing prices almost at the c...

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Construction worker silhouette

Buyers of newly-built homes get LVR breathing room

The new loan-to-value (LVR) ratio restrictions have officially come into effect as of 1 Se...

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Hand holding fanned out playing cards

What's the plan?

Generally speaking, it’s fair to say that this round of reserve bank rule changes will hav...

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Arrow on road looking forward, JB video

Auckland housing market and market correction

Typical of our tabloid media we get the usual fear driven headlines designed to sell paper...

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Check list

What do I need to know about interest-only loans?

With so many people choosing to go interest-only, you might be asking yourself why it's pr...

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Stacks of coins

The changing face of lending

In recent weeks the banks have tightened up their credit policies and specifically rules a...

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Person surfing, yellow sky

Investors ride the regulation wave

When the RBNZ introduced the tighter LVR restrictions across Auckland in November last yea...

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Banker working out the cash rate

Crash course: What's the cash rate?

When he had a look at the RBNZ OCR decision, Westpac Chief Economist Dominick Stephens had...

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Business man sleeping on his desk

Rushed Auckland 70% LVR policy - who pays?

The Reserve Bank’s new 70% LVR policy feels like a headless chicken moment....

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Road signs both saying Rates

Mortgage rate strategy 2014 - Part II

The next Reserve Bank Official Cash Rate (OCR) announcement is on 24th April 2014....

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Close up of builder with hammer hanging off belt

New property exempt from RBNZ LVR rules

The Reserve Bank announced today that new builds will be exempt from the recent LVR restri...

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Cupcake

Over 80% options

The Reserve Bank doesn't want you eating the cupcake, so they are putting first homebuyers...

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Arrow signs pointing in opposite directions

Mortgage rate forecast - Why they will stay low

Whilst economists and most commentators are talking up rates I’m going to provide a differ...

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