DTIs
David Hargreaves says some of the measures put in place to stymie the current hot housing market may prove to be a long-term drag on the market
24th Jun 21, 1:31pm
84
David Hargreaves says some of the measures put in place to stymie the current hot housing market may prove to be a long-term drag on the market
David Hargreaves sifts through the array of remedies targeted at the runaway housing market and tries to assess how it is going so far
23rd Jun 21, 8:30am
87
David Hargreaves sifts through the array of remedies targeted at the runaway housing market and tries to assess how it is going so far
Interest deductibility centre court, as the back and forth between the Government and Reserve Bank over mortgage lending restrictions plays out in the background
17th Jun 21, 3:45pm
40
Interest deductibility centre court, as the back and forth between the Government and Reserve Bank over mortgage lending restrictions plays out in the background
The RBNZ finally gets conditional agreement from the Finance Minister for debt serviceability tools, but the initial one it's able to use is likely to be one pushed by the bank lobby group
17th Jun 21, 10:30am
22
The RBNZ finally gets conditional agreement from the Finance Minister for debt serviceability tools, but the initial one it's able to use is likely to be one pushed by the bank lobby group
The Reserve Bank does seem set to get a debt-to-income ratio measure in its macro-prudential toolkit - but at a much higher level than it earlier contemplated
16th Jun 21, 12:34pm
72
The Reserve Bank does seem set to get a debt-to-income ratio measure in its macro-prudential toolkit - but at a much higher level than it earlier contemplated
Finance Minister agrees 'in-principle' to give RBNZ debt-to-income tools; Consensus yet to be reached on how the impact on first-home buyers would be minimised
16th Jun 21, 10:29am
128
Finance Minister agrees 'in-principle' to give RBNZ debt-to-income tools; Consensus yet to be reached on how the impact on first-home buyers would be minimised
Grant Robertson considers RBNZ advice on new tools to potentially restrict mortgage lending; Jenée Tibshraeny doesn't see changes in the immediate future, but believes financial stability will take centre stage
26th May 21, 8:00am
104
Grant Robertson considers RBNZ advice on new tools to potentially restrict mortgage lending; Jenée Tibshraeny doesn't see changes in the immediate future, but believes financial stability will take centre stage
If the current wave of inflationary pressures prove to be more than just a passing flurry, the Reserve Bank will be forced to raise interest rates. And rising mortgage payments will be a new thing for many mortgage holders
19th May 21, 12:35pm
110
If the current wave of inflationary pressures prove to be more than just a passing flurry, the Reserve Bank will be forced to raise interest rates. And rising mortgage payments will be a new thing for many mortgage holders
Two-thirds of Auckland first home buyers in March borrowed at a DTI of over five - and their mortgage sizes averaged in excess of $750,000 each
18th May 21, 3:35pm
96
Two-thirds of Auckland first home buyers in March borrowed at a DTI of over five - and their mortgage sizes averaged in excess of $750,000 each
As long as interest rates don't rise appreciably, our housing market should be fine. Probably. But inflation is the wild card. Potentially very wild
12th May 21, 1:48pm
60
As long as interest rates don't rise appreciably, our housing market should be fine. Probably. But inflation is the wild card. Potentially very wild
According to the Reserve Bank it now takes over 220% of median disposable household income to fund a 20% deposit on a house
6th May 21, 12:16pm
63
According to the Reserve Bank it now takes over 220% of median disposable household income to fund a 20% deposit on a house
RBNZ to take stock of new housing-related policies before doing more to restrict mortgage lending; Robertson not yet convinced by RBNZ's pitch for debt-to-income tools
6th May 21, 10:00am
58
RBNZ to take stock of new housing-related policies before doing more to restrict mortgage lending; Robertson not yet convinced by RBNZ's pitch for debt-to-income tools
New figures from the RBNZ show that up to 71% of the money being borrowed each month recently by investors for houses has been done on high debt to income ratios
5th May 21, 7:21pm
62
New figures from the RBNZ show that up to 71% of the money being borrowed each month recently by investors for houses has been done on high debt to income ratios
David Hargreaves says the alarming rise in high debt-to-income ratio borrowing highlights why the Reserve Bank should be allowed to implement across-the-board DTI limits without any exceptions
4th Apr 21, 6:31am
83
David Hargreaves says the alarming rise in high debt-to-income ratio borrowing highlights why the Reserve Bank should be allowed to implement across-the-board DTI limits without any exceptions
Does the removal of interest deductibility for investors reduce the likelihood of the RBNZ further restricting bank lending? Quite possibly, Jenée Tibshraeny argues
2nd Apr 21, 7:01am
150
Does the removal of interest deductibility for investors reduce the likelihood of the RBNZ further restricting bank lending? Quite possibly, Jenée Tibshraeny argues
Latest figures from the Reserve Bank confirm the massive surge in house prices toward the end of last year saw buyers stretch themselves much further financially
31st Mar 21, 3:44pm
117
Latest figures from the Reserve Bank confirm the massive surge in house prices toward the end of last year saw buyers stretch themselves much further financially
Green Party suggests the Govt gives the RBNZ tools to further restrict bank lending to property investors, and forces it to use these tools if it doesn't on its accord
17th Mar 21, 1:19pm
127
Green Party suggests the Govt gives the RBNZ tools to further restrict bank lending to property investors, and forces it to use these tools if it doesn't on its accord
Government says next week's housing policy announcement will be part-stick, part-carrot to encourage investment beyond property; RBNZ calls for tax changes; Interest.co.nz considers some options
17th Mar 21, 7:57am
283
Government says next week's housing policy announcement will be part-stick, part-carrot to encourage investment beyond property; RBNZ calls for tax changes; Interest.co.nz considers some options
Nearly 40% of bank lending to residential property investors is on interest-only arrangements - RBNZ tight-lipped on whether this is too high, but raises concerns over leverage
4th Mar 21, 3:30pm
176
Nearly 40% of bank lending to residential property investors is on interest-only arrangements - RBNZ tight-lipped on whether this is too high, but raises concerns over leverage
Robertson to require the RBNZ to consider house prices when setting monetary policy and through the way it regulates banks; Seeks more info on DTIs and interest only mortgages
25th Feb 21, 9:43am
154
Robertson to require the RBNZ to consider house prices when setting monetary policy and through the way it regulates banks; Seeks more info on DTIs and interest only mortgages
NZ will have to wait a couple more weeks to find out how the Govt plans to address the housing crisis, as the latest COVID-19 outbreak moves housing down the priority list
22nd Feb 21, 2:11pm
106
NZ will have to wait a couple more weeks to find out how the Govt plans to address the housing crisis, as the latest COVID-19 outbreak moves housing down the priority list
The Reserve Banks says it is working directly with stakeholders to determine how many people have been impacted by the December data breach 'and will ensure they are well supported'
15th Feb 21, 4:19pm
12
The Reserve Banks says it is working directly with stakeholders to determine how many people have been impacted by the December data breach 'and will ensure they are well supported'
The RBNZ suggests exempting certain groups from debt-to-income restrictions would be difficult, as the Finance Minister expresses concerns over the impact these restrictions would have on first-home buyers
10th Feb 21, 1:53pm
136
The RBNZ suggests exempting certain groups from debt-to-income restrictions would be difficult, as the Finance Minister expresses concerns over the impact these restrictions would have on first-home buyers
Cyber attack prompts RBNZ to delay collecting and publishing bank data, key to policymakers addressing the housing crisis and ensuring the financial system is stable
22nd Jan 21, 7:01pm
25
Cyber attack prompts RBNZ to delay collecting and publishing bank data, key to policymakers addressing the housing crisis and ensuring the financial system is stable
Jenée Tibshraeny has spent the year scrutinising the seismic government and central bank interventions made to keep the economy (and house prices) afloat. She shares her observations on the NZ Everyday Investor podcast
18th Dec 20, 1:51pm
47
Jenée Tibshraeny has spent the year scrutinising the seismic government and central bank interventions made to keep the economy (and house prices) afloat. She shares her observations on the NZ Everyday Investor podcast