About
David Chaston is the publisher of interest.co.nz and is commited to ensuring readers get the latest information on interest rates, and the forces that move them.
David Chaston
Latest articles
A review of things you need to know before you sign off on Friday; more NBDT TD rate cuts, real estate agent commissions revealed, credit card billing bump, swaps with firm tone, NZD end the week rising, & more
18th Jul 25, 3:59pm
11
A review of things you need to know before you sign off on Friday; more NBDT TD rate cuts, real estate agent commissions revealed, credit card billing bump, swaps with firm tone, NZD end the week rising, & more
US data positive under tariff protection; Canada concede on dairy access; Singapore exports rise; eyes on RBA as labour market softens wile inflation stays up; UST 10yr at 4.47%; gold down and oil up; NZ$1 = 59.3 USc; TWI-5 = 67.2
18th Jul 25, 7:19am
6
US data positive under tariff protection; Canada concede on dairy access; Singapore exports rise; eyes on RBA as labour market softens wile inflation stays up; UST 10yr at 4.47%; gold down and oil up; NZ$1 = 59.3 USc; TWI-5 = 67.2
A review of things you need to know before you sign off on Thursday; monthly data points to an elevated Q2 CPI, housing market in winter doldrums, high demand for NZGBs, NZX50 shines, swaps stable, NZD soft, & more
17th Jul 25, 3:59pm
16
A review of things you need to know before you sign off on Thursday; monthly data points to an elevated Q2 CPI, housing market in winter doldrums, high demand for NZGBs, NZX50 shines, swaps stable, NZD soft, & more
US data mixed and lackluster; Canadian housing data good but wealth disparity widens; Indonesia cuts; eyes on Australian labour market; UST 10yr at 4.46%; gold up and oil unchanged; NZ$1 = 59.5 USc; TWI-5 = 67.2
17th Jul 25, 7:19am
3
US data mixed and lackluster; Canadian housing data good but wealth disparity widens; Indonesia cuts; eyes on Australian labour market; UST 10yr at 4.46%; gold up and oil unchanged; NZ$1 = 59.5 USc; TWI-5 = 67.2
A review of things you need to know before you sign off on Wednesday; no retail rate changes, construction's spare capacity problem, dairy prices rise, EA tackles power prices, swaps stable, NZD softish, & more
16th Jul 25, 3:59pm
3
A review of things you need to know before you sign off on Wednesday; no retail rate changes, construction's spare capacity problem, dairy prices rise, EA tackles power prices, swaps stable, NZD softish, & more
Dairy prices rise; US inflation rises; Canada inflation modest; India exports soft; China growth on target, but house prices still falling; Aussie sentiment firms; UST 10yr at 4.49%; gold and oil lower; NZ$1 = 59.4 USc; TWI-5 = 67.4
16th Jul 25, 7:20am
3
Dairy prices rise; US inflation rises; Canada inflation modest; India exports soft; China growth on target, but house prices still falling; Aussie sentiment firms; UST 10yr at 4.49%; gold and oil lower; NZ$1 = 59.4 USc; TWI-5 = 67.4
A review of things you need to know before you sign off on Tuesday; house prices stall, ageing population weighs on interest rates, eyes on dairy prices, eyes on surcharging, swaps stable, NZD softish, & more
15th Jul 25, 3:59pm
4
A review of things you need to know before you sign off on Tuesday; house prices stall, ageing population weighs on interest rates, eyes on dairy prices, eyes on surcharging, swaps stable, NZD softish, & more
Inflation eases in India; Singapore gets good expansion; China trade and loan expansion rises; eyes on US CPI; UST 10yr at 4.43%; gold and oil soft; NZ$1 = 59.7 USc; TWI-5 = 67.4; bitcoin tops NZ$200,000
15th Jul 25, 7:19am
6
Inflation eases in India; Singapore gets good expansion; China trade and loan expansion rises; eyes on US CPI; UST 10yr at 4.43%; gold and oil soft; NZ$1 = 59.7 USc; TWI-5 = 67.4; bitcoin tops NZ$200,000
A review of things you need to know before you sign off on Monday; no retail rate changes; rents slip, retail remains sluggish, grocery prices up 2.1%, service sector drags, swaps stable, NZD stays soft, & more
14th Jul 25, 3:59pm
10
A review of things you need to know before you sign off on Monday; no retail rate changes; rents slip, retail remains sluggish, grocery prices up 2.1%, service sector drags, swaps stable, NZD stays soft, & more
US tariffs still in flux, costs start to mount; USD depreciates, credit quality turns down; Canada data positive; China faces pension crunch in 10 years; UST 10yr at 4.42%; gold and oil stable; NZ$1 = 60.1 USc; TWI-5 = 67.6
14th Jul 25, 7:20am
3
US tariffs still in flux, costs start to mount; USD depreciates, credit quality turns down; Canada data positive; China faces pension crunch in 10 years; UST 10yr at 4.42%; gold and oil stable; NZ$1 = 60.1 USc; TWI-5 = 67.6
If you are not a first home buyer, a switcher, nor an investor, we look at your options when you need to refix your home loan in the current uber-competitive mortgage market
13th Jul 25, 6:01am
5
If you are not a first home buyer, a switcher, nor an investor, we look at your options when you need to refix your home loan in the current uber-competitive mortgage market
US tariffs paid by importers to hit US$300 bln; interest paid on debt to top US social security payments in 2025; Canada delivers strong labour market data; UST 10yr at 4.42%; gold and oil up; NZ$1 = 60.1 USc; TWI-5 = 67.6
12th Jul 25, 8:31am
19
US tariffs paid by importers to hit US$300 bln; interest paid on debt to top US social security payments in 2025; Canada delivers strong labour market data; UST 10yr at 4.42%; gold and oil up; NZ$1 = 60.1 USc; TWI-5 = 67.6
A review of things you need to know before you sign off on Friday; factory sector still contracting, RBNZ data update values the housing decline, T&G Global in play, tariff threats get even messier, swaps stable, NZD firmish, & more
11th Jul 25, 3:59pm
10
A review of things you need to know before you sign off on Friday; factory sector still contracting, RBNZ data update values the housing decline, T&G Global in play, tariff threats get even messier, swaps stable, NZD firmish, & more
US jobless claims at 4 year high; Japanese PPI trends lower; China car sales surge, especially NEVs; Korea holds rates; container freight rates fall; UST 10yr at 4.35%; gold up and oil down; NZ$1 = 60.3 USc; TWI-5 = 67.7
11th Jul 25, 7:18am
18
US jobless claims at 4 year high; Japanese PPI trends lower; China car sales surge, especially NEVs; Korea holds rates; container freight rates fall; UST 10yr at 4.35%; gold up and oil down; NZ$1 = 60.3 USc; TWI-5 = 67.7
A review of things you need to know before you sign off on Thursday: SBS Bank trims rates, truckometer stays weak, migration flows slump; Lactalis gets ok to bid for Fonterra's Mainland assets, swaps slip, NZD firms, & more
10th Jul 25, 3:59pm
5
A review of things you need to know before you sign off on Thursday: SBS Bank trims rates, truckometer stays weak, migration flows slump; Lactalis gets ok to bid for Fonterra's Mainland assets, swaps slip, NZD firms, & more
US travellers shunned, turn to trading houses; US Fed minutes reveal split; Japanese machine too orders healthy; Nvidia hits a unique valuation; UST 10yr at 4.34%; gold and oil unchanged; NZ$1 = 60 USc; TWI-5 = 67.5
10th Jul 25, 7:19am
22
US travellers shunned, turn to trading houses; US Fed minutes reveal split; Japanese machine too orders healthy; Nvidia hits a unique valuation; UST 10yr at 4.34%; gold and oil unchanged; NZ$1 = 60 USc; TWI-5 = 67.5
A review of things you need to know before you sign off on Wednesday; no retail rate changes as RBNZ releases a dovish review, new borrowers hang out there with floating rates, rents lower, swaps stable, NZD lower, NZX lower, & more
9th Jul 25, 4:00pm
9
A review of things you need to know before you sign off on Wednesday; no retail rate changes as RBNZ releases a dovish review, new borrowers hang out there with floating rates, rents lower, swaps stable, NZD lower, NZX lower, & more
US data stable but consumer debt demand falls; Canada expands; German exports dip; Australian sentiment improves; copper prices leap in the US; UST 10yr at 4.42%; gold dips and oil rises; NZ$1 = 60 USc; TWI-5 = 67.6
9th Jul 25, 7:21am
14
US data stable but consumer debt demand falls; Canada expands; German exports dip; Australian sentiment improves; copper prices leap in the US; UST 10yr at 4.42%; gold dips and oil rises; NZ$1 = 60 USc; TWI-5 = 67.6
Another rate cut by the Australian central bank was expected but didn't happen. But it was a split 6-3 decision
8th Jul 25, 4:36pm
4
Another rate cut by the Australian central bank was expected but didn't happen. But it was a split 6-3 decision
[updated]
A review of things you need to know before you sign off on Tuesday; no retail rate changes, property & retail markets lackluster, new lending trends, wholesale energy costs low, RBA declines to cut, swaps stable, NZD holds, & more
8th Jul 25, 4:00pm
6
A review of things you need to know before you sign off on Tuesday; no retail rate changes, property & retail markets lackluster, new lending trends, wholesale energy costs low, RBA declines to cut, swaps stable, NZD holds, & more
US issues unilateral tariff letters, pushing trade partners into China's orbit; global data stable; eyes on RBA and household reactions; UST 10yr at 4.39%; gold dips and oil firms; NZ$1 = 60 USc; TWI-5 = 67.7
8th Jul 25, 7:19am
5
US issues unilateral tariff letters, pushing trade partners into China's orbit; global data stable; eyes on RBA and household reactions; UST 10yr at 4.39%; gold dips and oil firms; NZ$1 = 60 USc; TWI-5 = 67.7
A review of things you need to know before you sign off on Monday; term deposit rate cuts, bonus saver withdrawal, home ownership rate dips, eyes on OCR decision, eyes on bank profits tax, swaps stable, NZD weaker, & more
7th Jul 25, 4:02pm
15
A review of things you need to know before you sign off on Monday; term deposit rate cuts, bonus saver withdrawal, home ownership rate dips, eyes on OCR decision, eyes on bank profits tax, swaps stable, NZD weaker, & more
Japanese households spend more; so do Singaporeans, and Australians; EU PPI levels out; EU house prices rise, some sharply; eyes on RBA and RBNZ; UST 10yr at 4.33%; gold up and oil flat; NZ$1 = 60.6 USc; TWI-5 = 68
7th Jul 25, 7:18am
6
Japanese households spend more; so do Singaporeans, and Australians; EU PPI levels out; EU house prices rise, some sharply; eyes on RBA and RBNZ; UST 10yr at 4.33%; gold up and oil flat; NZ$1 = 60.6 USc; TWI-5 = 68
As the economy stumbles, it is vital that reporting on what is happening stays comprehensive, open and free. We need our Supporters now more than ever. If you can support us you can go ad-free too
5th Jul 25, 9:10am
24
As the economy stumbles, it is vital that reporting on what is happening stays comprehensive, open and free. We need our Supporters now more than ever. If you can support us you can go ad-free too
Bad choices to haunt US financial markets; Japanese spending rises; China property woes back; EU house prices rise; Australian household spending rises; UST 10yr at 4.33%; gold up and oil flat; NZ$1 = 60.6 USc; TWI-5 = 67.9
5th Jul 25, 8:07am
15
Bad choices to haunt US financial markets; Japanese spending rises; China property woes back; EU house prices rise; Australian household spending rises; UST 10yr at 4.33%; gold up and oil flat; NZ$1 = 60.6 USc; TWI-5 = 67.9