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Fixed vs Floating

How to think about fixed vs floating

Now that banks are cutting fixed rates again, Bernard Hickey looks at how to think about whether to fix or float, and how long bank economists think the RBNZ is 'on pause'

Analysing the home loan fixed rate options

John Bolton takes a look at the term structure of mortgage interest rates, showing how to think about value-for-money for each of the terms

How to think about fixed vs floating

Bernard Hickey looks at how to think about whether to fix or float and what bank economists are saying about interest rates now the RBNZ is 'on pause'

What the RBNZ decision means

Bernard Hickey looks at what the RBNZ's decision to pause OCR hikes (maybe until mid-2015) means for mortgage rates & house prices

'You are going to see monetary policy working'

RBNZ Governor says the rising OCR will hit borrowers in their pockets given the short duration of NZ home loans; Says OCR still 100 basis points below a neutral level

What happened Friday

A review of things you need to know before you go home on Friday; Kiwibank cuts mortgage rates, wholesaling strong, impressive vehicle sales levels, swap rates rise, NZD down

What happened Thursday

Updated
A review of things you need to know before you go home on Thursday; UDC raises call rate, weaker housing data, quake anniversary, core finding compliance, Pacific Edge's new patent

What happened Wednesday

A review of things you need to know before you go home on Wednesday; ANZ launches hot rate, NZ 7th best, Q1 no building fluke, Rents bounce up, Akl house prices fall, swap rates steepen

What happened Tuesday

A review of things you need to know before you go home on Tuesday; SBS Bank raises TD rates, commodity prices fall, ratings agencies watching bank funding, sovereign spreads narrow, swaps fall

What happened Monday

A review of things you need to know before you go home on Monday; FinanceNow targets car finance, terms of trade improve, economy expansion moderates, swap rates rise, cash incentives expire