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While homeowners are relishing the lowest home loan rates we have seen in NZ, investors are doing it tough where ‘safe returns’ at the bank are now often no better than inflation. So what other investment options are there?

12 Month interest rates are at all time lows for New Zealand, however it may not be prudent to fix over that term. In part 1 we covered the OCR, inflation the connection between inflation and interest rates. Let's now talk about forward interest rates and current inflationary drivers in NZ.

12 Month interest rates are particularly appealing at the moment. Kiwibank has most recently offered a 12-month fixed rate sub 4% and many banks are moving in the same direction. This is fantastic for the next 12 months, however it pays to think about what you are going to do post the expiry of this rate.

Is our ‘low interest rate world’ the beginning of the end of money as we know it?

Waiting for inflation is feeling increasingly like the quest for the Holy Grail, or as I approach 45 ‘waiting for god’. Oh, so old!

The Reserve Bank is still talking about low inflation and the potential for the OCR to decrease further, so how is it that in this environment mortgage rates can go up?

So much stimulus, and yet no growth and negligible inflation. Lowering interest rates to entice people to borrow and spend is not a sustainable strategy.

With incredibly loose monetary policy implemented around the world we are going through uncertain economic times.

We had a Monty Python moment this week with the first OCR change in almost four years.

I'm an optimistic guy, and even I am uncomfortable with how much we are talking up our NZ economy.

A lot has been happening the past few weeks that has impacts for property and investors. There is so much going on, it is hard to bridge the gap between macro and micro factors affecting property.

Does it make sense to keep renting, or are you in a position to buy? Buying your first home will almost always make better sense than renting.