Fixed vs Floating

Kiwibank the slowest major bank to cut floating mortgage rates as the OCR falls, while ASB takes first place for the fastest bank to hike those rates when the OCR rose

Kiwibank the slowest major bank to cut floating mortgage rates as the OCR falls, while ASB takes first place for the fastest bank to hike those rates when the OCR rose

Is the pay-more-now-to-save-more-later mortgage strategy a good idea? We do the calculations to show how low the target fixed rates will have to be to make the gamble worth it

Is the pay-more-now-to-save-more-later mortgage strategy a good idea? We do the calculations to show how low the target fixed rates will have to be to make the gamble worth it

Squirrel's David Cunningham explains how interest rates are set and how banks have been able to boost their margins by about 20%

Squirrel's David Cunningham explains how interest rates are set and how banks have been able to boost their margins by about 20%

With interest rates on two-year bank mortgage rates seemingly poised to rise above floating rates, could we see growth in the number of borrowers choosing to float over fixing?

With interest rates on two-year bank mortgage rates seemingly poised to rise above floating rates, could we see growth in the number of borrowers choosing to float over fixing?

With the end of what might've felt like a year of treading water nigh, we look at what 2022 may hold for housing, interest rates and the Kiwi dollar

With the end of what might've felt like a year of treading water nigh, we look at what 2022 may hold for housing, interest rates and the Kiwi dollar

Fitch says rising interest rates will be both credit positive for New Zealand banks, as well as boosting their profitability

Fitch says rising interest rates will be both credit positive for New Zealand banks, as well as boosting their profitability

How high household debt and the swathe of mortgages due to rollover within the next year could make NZ particularly sensitive to interest rate rises... should they eventuate soon

How high household debt and the swathe of mortgages due to rollover within the next year could make NZ particularly sensitive to interest rate rises... should they eventuate soon

Kiwibank CEO Steve Jurkovich says banks could use cheap RBNZ Funding for Lending Programme money to lower floating mortgage rates

Kiwibank CEO Steve Jurkovich says banks could use cheap RBNZ Funding for Lending Programme money to lower floating mortgage rates

With the Reserve Bank's Funding for Lending Programme set to offer banks very cheap funding, there's plenty of scope for banks to cut floating mortgage rates, Kiwibank's economists argue

With the Reserve Bank's Funding for Lending Programme set to offer banks very cheap funding, there's plenty of scope for banks to cut floating mortgage rates, Kiwibank's economists argue

Gareth Vaughan questions whether banks' floating mortgage interest rates can be justified in a low interest rate world

Gareth Vaughan questions whether banks' floating mortgage interest rates can be justified in a low interest rate world

Gareth Vaughan takes a look at the interest rate environment for borrowers after receiving a surprise offer from his bank

Gareth Vaughan takes a look at the interest rate environment for borrowers after receiving a surprise offer from his bank

Sifting through the RBNZ tea-leaves: As banks encourage 2-year mortgage rates, borrowers may find they come off to a higher OCR, hiked earlier and potentially higher than expected, Alex Tarrant argues

Sifting through the RBNZ tea-leaves: As banks encourage 2-year mortgage rates, borrowers may find they come off to a higher OCR, hiked earlier and potentially higher than expected, Alex Tarrant argues

John Bolton on how retail banks make money and why mortgage rates are increasing  

John Bolton on how retail banks make money and why mortgage rates are increasing  

CBA's director of interest rate strategy says demography is destiny for interest rates, but immigration a fountain of youth

CBA's director of interest rate strategy says demography is destiny for interest rates, but immigration a fountain of youth

CBA's director of interest rate strategy changes his long-held position on New Zealand interest rates, now a payer rather than a receiver

CBA's director of interest rate strategy changes his long-held position on New Zealand interest rates, now a payer rather than a receiver