Mortgages

Putting the RBNZ's new capital rules into perspective

There's been a lot written about the Reserve Bank's new capital rules for banks and some of it seems to miss the mark. Here's Tarawera Publishing managing director, Philip Macalister's, take after hearing from the governor yesterday.

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LVRs kept on hold

The Reserve Bank has kept its LVR speed limits on hold amid fears low interest rates "could lead to a resurgence in higher-risk lending".

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Investor lending on the increase

Latest Reserve Bank data shows Investor lending jumped to its highest level for over a year in October, as overall lending soared last month. 

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LVR restrictions to stay put: Westpac

Westpac economists believe the Reserve Bank will keep LVR speed limits at their current levels, amid fears over house price stability.

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Mortgage rates may be at cycle low: ASB

Take note, investors: It is "quite possible" fixed rate mortgages have hit their lowest point in this cycle, according to economists at ASB.

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OCR reaction: economists surprised but expect 2020 cut

Economists were surprised by the Reserve Bank's decision to keep the official cash rate on hold, but expect the central bank to ease rates next year.

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OCR decision revealed

The Reserve Bank has kept the Official Cash Rate at 1%. Here's what the central bank said: 

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OCR Preview Survey: Economists tip another cut

Economists predict the Reserve Bank is likely to cut the official cash rate again this week – but are far from certain the central bank will pull the trigger.

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Strong September for home lending

Mortgage lending soared in September, according to Reserve Bank data, as banks loosened serviceability tests.

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LVR loosening likely - ANZ

LVR restrictions were never meant to be a permanent feature of New Zealand’s housing market and ANZ economists argue that some further relaxing of them could soon be on the cards.

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House price rally could reduce odds of OCR cut: Westpac

A pickup in the housing market could give the Reserve Bank "pause for thought" over further official cash rate cuts, according to Westpac economists.

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Servicing test changes limited

Banks have made adjustments to serviceability tests since the Official Cash Rate cut in August, but advisers doubt whether the changes will have a big impact on pass rates.

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LVR limits slow down investors

LVR speed limits continue to have a "strong effect" on investors, according to CoreLogic, after the latest Reserve Bank data showed a drop in investor borrowing.

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OCR on hold: November cut expected

The Reserve Bank has kept the Official Cash Rate at the record low of 1%, but economists predict a cut in November.

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Mortgage servicing rate cuts

Several banks have cut their servicing rates recently, with more expected to follow, and advisers believe such changes will mean more for borrowers than low rates do.

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