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Reader poll

About the same.
22% (37 votes)
Much worse off.
21% (36 votes)
Much better off.
21% (36 votes)
Better off.
21% (36 votes)
Worse off.
15% (26 votes)
Total voters: 171

Older polls

Fixed vs Floating

What happened Friday

A review of things you need to know before you go home on Friday; TSB Bank goes all out, Roest denied, business confidence disappoints, rapid rise in Akl building consents, 70% of mortgages fixed

Kiwibank boss promises dividends

Updated
Kiwibank CEO sees dividend payments within 3 years as annual profit rises 3% to $100m boosted by higher net interest margin & release of bad debt provisions

How to think about fixed vs floating

How to think about whether to fix or float and what bank economists are saying about interest rates and house prices. Fixing looks more attractive

What happened Monday

A review of things you need to know before you go home on Monday; changes to interest rates, falls in commodity prices, core funding ratio steady, falls in wholesale swap rates

What happened Friday

A review of things you need to know before you go home on Friday; flurry of TD rate changes, Auckland and Christchurch look to Wellington for their projects, markets await US NFP result

What happened Thursday

A review of things you need to know before you go home on Thursday; crowd funding licensed, the rise and rise of fixed mortgages, National support slips, swap rates rise

The new rate inversion

After floating mortgage rates are pushed up by official action, they are now above rates fixed for three years (or longer)

Stampede to fixed-term mortgages

Borrowers rushing to fix home loans in record numbers

RBNZ's power over borrowers

Updated
Despite borrowers' rush to fix mortgages, ongoing OCR hikes should enable RBNZ to assert monetary policy power over most of them; Wheeler sees 'plenty of leverage'

How to think about fixed vs floating

How to think about whether to fix or float and what bank economists are saying about interest rates and house prices. Fixing looks more attractive