home loans

18 Dec 18, 8:40am

The bank that led fixed mortgage rates lower ends its 'specials', reverting some key rates back to 3.99%. Almost all banks have now raised fixed rates in the past month
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Two challenger banks end their sub-4% offers

17 Dec 18, 8:37am

David Chaston

The end of the road approaches for sub-4% home loan rates as another two banks withdraw, leaving just one challenger bank with such offers
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'No evidence' big Aussie banks recovering levy via mortgage pricing

13 Dec 18, 10:38am

Gareth Vaughan

As Shane Jones pushes for a bank levy to support regional NZ banking services, ACCC report says Aussie bank levy costs not being passed on to mortgage borrowers
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Loading up on housing debt?

9 Dec 18, 12:02pm

David Chaston

42 comments

Yes, housing debt is growing but perhaps not to levels that anywhere near threaten financial stability, especially if you measure that on a per dwelling basis. The regulatory restrictions are doing their job well
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'Sub-4% mortgage interest rates possibly the generational low'

6 Dec 18, 10:09am

Gareth Vaughan

29 comments

Co-operative Bank CEO David Cunningham says sub-4% home loan rates unsustainable unless deposit rates fall about 50 basis points
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ASB ends its sub-4% offer

6 Dec 18, 8:39am

David Chaston

1 comment

The last of the main banks retreats from a sub-4% home loan offer rate, just as wholesale rates tumble on the darkening international mood. But two smaller rivals still offer sub-4%
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Steady financial quarter for the smaller banks

4 Dec 18, 3:30pm

Gareth Vaughan

Co-op Bank, SBS, TSB, Heartland and Rabobank all deliver lending and deposit growth in the September quarter
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ANZ follows quickly, also ending its sub-4% rate offer

30 Nov 18, 5:29pm

David Chaston

15 comments

NZ's largest mortgage bank also raises a key rate, but then adds a competitive 18 mth 'special', and extends its $3000 cash-back inducement
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Following BNZ, Westpac also raises mortgages rates, ending sub-4% offer

30 Nov 18, 10:16am

David Chaston

46 comments

BNZ ups its sub-4% two year home loan rate to match its rivals at 4.29% as the competitive imperative for lower rates to win market share fades. Westpac follows
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Four things to look for in the Reserve Bank's Financial Stability Report

26 Nov 18, 9:41am

Gareth Vaughan

LVRs, bank capital review, dashboard plans and credit union struggles; Four things to keep an eye out for in the RBNZ's Financial Stability Report on Wednesday
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Black Friday specials come to mortgage rates

22 Nov 18, 6:07pm

David Chaston

67 comments

HSBC reprises its lowest-ever mortgage rate of 3.79% making that offer 16 basis points better than any other bank for a one year fixed term
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NZ vs AU mortgage rates

18 Nov 18, 5:23pm

David Chaston

21 comments

Surprise! For the first time ever we are now not paying more than the Aussies for one key fixed rate. We look at how New Zealand mortgage pricing compares with what Aussies pay for the same sort of loans
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TSB tips the average lower

15 Nov 18, 9:26am

David Chaston

16 comments

History is made with the weighted average one year fixed mortgage rate falling below 4% for the first time ever, bumped lower by Thursday's cut by TSB
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ASB cuts one rate below 4%, raises two others

13 Nov 18, 1:59pm

David Chaston

27 comments

ASB cuts one rate to 3.95% but raises two others as the sub 4% rate level embeds in the current home loan market; only three stragglers to go now
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and now Westpac ...

12 Nov 18, 5:05pm

David Chaston

20 comments

Another major bank reduces one mortgage rate below 4%, leaving only ASB and Kiwibank as majors with no offers at this new level
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BNZ to offer 3.99% two-year mortgage rate

12 Nov 18, 1:31pm

Gareth Vaughan

40 comments

BNZ unveils two year 3.99% home loan rate from November 13 as mortgage wars intensify
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Here come the overt cash-back incentives again

12 Nov 18, 9:05am

David Chaston

71 comments

ANZ follows up its new lower one year rate with a $3000 cash back incentive, with conditions that include promising to stay with them for three years
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Why now ?

10 Nov 18, 9:43am

David Chaston

34 comments

We examine the margin shifts as wholesale money rates rise just as one large mortgage bank cuts a key rate, looking at the pressures and motivations for the move
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ANZ goes under 4%

10 Nov 18, 9:00am

David Chaston

41 comments

New Zealand's largest home loan lender challenges its main rivals with a sub-4% one year fixed mortgage rate - just as wholesale swap rates turn up
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Down, down, down

5 Nov 18, 9:49am

David Chaston

33 comments

Kiwibank is the next one to chop a key home loan rate, reducing its one year fixed rate to 4.05% as the main banks follow the challenger banks lower
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