The comment stream

Reader poll

Which of these factors is likely to have the biggest impact on our economy over the next 12 months?

Choices

Mortgages

Banks playing safe on LVRs

Banks still sticking well under the 10% limit on high LVR lending despite the resurgence of the housing market

Time to cut floating mortgage rates

Gareth Vaughan argues it's time for banks to cut unjustifiably high floating mortgage rates

Don't risk a state house fire sale

David Hargreaves challenges the Government to let common sense prevail - and axe its proposed state housing sale

Matching their rivals

Westpac reduces two key home loan rates ahead of an end-of-month review of their 'healthy cash bonus'

Govt social housing policy under fire

Updated
Mounting opposition to Govt plans to sell off up to 2000 state houses after Salvation Army pulls out of negotiations to buy

'Heavy, heavy demand' for 5yr mortgage

SBS CEO Wayne Evans says headline grabbing 5-year home loan offer designed to buy his bank time with customers

Auckland property targeting the only way

David Hargreaves says it is time to stop pretending that the Auckland housing demand problem can be fixed by nationally-focused initiatives

'Noticeable impact on the housing market'

Westpac economists say any 'significant' RBNZ restrictions on property investors will have an impact because investors set prices at the lower end of the market

Gambling with property

John Bolton says lack of supply will prop up house prices in the foreseeable future but he sees the Auckland market as an increasingly 'speculative play'

The 'extremely low' rates have even surprised me

With mortgage rates unlikely to fall further without an OCR cut, it may be time to take the bird in the hand, says John Bolton