Mortgages

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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Are property investors returning to the market?

Property investors are said to be returning to the housing market, CoreLogic says but, if they are, it’s not evident in the Reserve Bank’s latest mortgage lending data.

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Low rates boost NZ’s housing affordability

Declining house prices and low interest rates have improved housing affordability across New Zealand over the first half of 2019, a new report from Moody’s Investors Service shows.

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DTIs still on the Reserve Bank’s radar

Almost half of Auckland first home buyers have mortgages that are over five times their annual income – and that makes debt-to-income (DTI) ratios a hot topic again.

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Advisers call for servicing test rethink for borrowers

Advisers believe banks should adapt their servicing tests for borrowers after the Official Cash Rate plunged to 1%.

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OCR cut could prompt housing market upturn

The Reserve Bank’s decision to slash the Official Cash Rate (OCR) by 0.5% to a historic low of 1.0% has shocked the financial community, but what could it mean for the housing market?

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OCR decision revealed

The Reserve Bank of New Zealand has cut the Official Cash Rate to a new record low of 1%. Here's why:

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Investor lending flat in June

Property Investors borrowed $1.02 billion in June, according to new Reserve Bank data, down from $1.2 billion in June 2018.

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