home loans

TSB to match the lowest 1-year mortgage offer from the Aussie owned banks

17 Feb 19, 12:02am

David Chaston

17 comments

TSB pledges to match any advertised one-year home loan lending rate from NZ's big four Australian owned banks
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More mortgage rate changes

11 Feb 19, 10:51am

David Chaston

20 comments

Both BNZ and Kiwibank change fixed mortgage rates for one and two years to open the bidding for the new week, hard on the heals of HSBC's market leading challenge
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Fixed mortgage rates slip lower again

8 Feb 19, 10:16am

David Chaston

65 comments

HSBC cuts three home loan rate offers with some new 3.95% 'specials', restoring its market-leading positions after others had moved to challenge it
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Co-op Bank goes low where it can

6 Feb 19, 8:01am

David Chaston

5 comments

The Co-operative Bank takes a knife to most fixed mortgage rates, ending up with market leading positions at 6 months and for those three years and longer
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SBS Bank cuts its one year fixed rate

2 Feb 19, 9:49am

David Chaston

18 comments

David Chaston suggests that if you want to know where mortgage rates are headed next, watch what the big banks do with term deposit rates rather than where swap rates go
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First home buyers hit by rising lower quartile prices and higher interest rates

31 Jan 19, 12:36pm

Greg Ninness

71 comments

Home Loan Affordability Reports show a rise in prices and interest rates at the end of last year made it harder for first home buyers to get their own home
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Kiwibank cuts two-year mortgage rate to new market low

26 Jan 19, 12:02am

David Chaston

64 comments

Competitive pressure in the face of languishing house sales is driving mortgage rates lower. Kiwibank's latest cut brings sub-4% rates to fixed terms of two years
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Westpac cuts one-year mortgage rate to equal market low

17 Jan 19, 4:07pm

Gareth Vaughan

25 comments

Westpac reduces one-year mortgage rate 'special' by 16 basis points to 3.99%
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Kiwibank cuts its 2yr fixed rate

12 Jan 19, 6:02am

David Chaston

28 comments

The first 2019 home loan rate reduction has arrived, taking the two year fixed to a market-leading 4.19% level. Eyes are now on rival moves
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Understanding our banks

9 Jan 19, 12:00pm

David Chaston

79 comments

We look at some key data available from the RBNZ Dashboard to help investors and depositors in our banks understand where some important hazards lie
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HSBC ends its low rate 'specials'

18 Dec 18, 8:40am

David Chaston

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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