DTIs

Kiwibank leads in cutting mortgage test rate following last week's OCR cut, increasing borrowing power

Kiwibank leads in cutting mortgage test rate following last week's OCR cut, increasing borrowing power

David Hargreaves examines mortgage figures for 2024 and compares figures over the 10-year timeframe that the detailed Reserve Bank data now covers

David Hargreaves examines mortgage figures for 2024 and compares figures over the 10-year timeframe that the detailed Reserve Bank data now covers

CoreLogic House Value Index declined by just 0.07% nationally in January

CoreLogic House Value Index declined by just 0.07% nationally in January

BNZ chief economist Mike Jones says going short has 'tended to pay off' but he is 'compelled to offer a few competing viewpoints'

BNZ chief economist Mike Jones says going short has 'tended to pay off' but he is 'compelled to offer a few competing viewpoints'

Latest quarterly Reserve Bank figures show the levels of new high debt-to-income borrowing are still well below the official limits that came into force in July this year

Latest quarterly Reserve Bank figures show the levels of new high debt-to-income borrowing are still well below the official limits that came into force in July this year

Reserve Bank Governor Adrian Orr says being more 'circumspect' with reducing interest rates relative to the speed at which they went up 'is the general idea'

Reserve Bank Governor Adrian Orr says being more 'circumspect' with reducing interest rates relative to the speed at which they went up 'is the general idea'

BNZ chief economist Mike Jones says longer term mortgage rates are already reflecting anticipated cuts to the Official Cash Rate, but shorter term mortgage rates have more 'downside'

BNZ chief economist Mike Jones says longer term mortgage rates are already reflecting anticipated cuts to the Official Cash Rate, but shorter term mortgage rates have more 'downside'

The country's banks are reporting early signs of a rebound in activity from property investors and demand for mortgage lending from both owner occupiers and investors is expected to continue to increase during the next six months

The country's banks are reporting early signs of a rebound in activity from property investors and demand for mortgage lending from both owner occupiers and investors is expected to continue to increase during the next six months

Latest quarterly Reserve Bank figures show now the long-expected DTI limits are finally with us, we can actually forget all about them - for the moment

Latest quarterly Reserve Bank figures show now the long-expected DTI limits are finally with us, we can actually forget all about them - for the moment

Reserve Bank says banks will have to comply with the new DTI rules from July 1, while loan to value ratio restriction easing will also be applied from the same date

Reserve Bank says banks will have to comply with the new DTI rules from July 1, while loan to value ratio restriction easing will also be applied from the same date

Latest quarterly Reserve Bank figures show ahead of the imminent introduction of debt to income restrictions (DTIs) the numbers of new loans on high DTIs are well below the proposed limits

Latest quarterly Reserve Bank figures show ahead of the imminent introduction of debt to income restrictions (DTIs) the numbers of new loans on high DTIs are well below the proposed limits

New Zealand Banking Association calls for less restrictive debt-to-income limits for home lending than the RBNZ wants

New Zealand Banking Association calls for less restrictive debt-to-income limits for home lending than the RBNZ wants

Latest quarterly Reserve Bank figures show ahead of the likely introduction of debt to income restrictions in the middle of the year, new borrowers are currently well below the proposed lending limits to be imposed on banks

Latest quarterly Reserve Bank figures show ahead of the likely introduction of debt to income restrictions in the middle of the year, new borrowers are currently well below the proposed lending limits to be imposed on banks

There are clear signs that the RBNZ’s 'heavy handed hikes' are inhibiting household demand, and hurting business, Kiwibank economists say

There are clear signs that the RBNZ’s 'heavy handed hikes' are inhibiting household demand, and hurting business, Kiwibank economists say

David Hargreaves looks at the 'inevitable' discussion we are about to have as to whether it's still the right economic approach to just target low inflation at all costs

David Hargreaves looks at the 'inevitable' discussion we are about to have as to whether it's still the right economic approach to just target low inflation at all costs