sign up log in
Want to go ad-free? Find out how, here.

home loans

Bank for International Settlements paper points out the financial stability implications of mortgage deferrals will be driven by the extent to which borrowers are willing & able to repay once 'holidays' end
6th Jun 20, 10:02am
12
Bank for International Settlements paper points out the financial stability implications of mortgage deferrals will be driven by the extent to which borrowers are willing & able to repay once 'holidays' end
New Zealand home loan borrowers are now getting fixed rates at bigger discounts to Aussies even as rates fall everywhere. They are falling faster here than across the ditch
3rd Jun 20, 5:06am
9
New Zealand home loan borrowers are now getting fixed rates at bigger discounts to Aussies even as rates fall everywhere. They are falling faster here than across the ditch
If you don't have a 20% deposit for a house purchase, all banks will add some serious additional costs to your repayments - but a few add a lot less than others
26th May 20, 10:15am
21
If you don't have a 20% deposit for a house purchase, all banks will add some serious additional costs to your repayments - but a few add a lot less than others
RBNZ Deputy Governor: Saying goodbye to mortgage lending restrictions won't cause rapid credit growth - the bigger risk right now is banks being too conservative
21st Apr 20, 7:12pm
55
RBNZ Deputy Governor: Saying goodbye to mortgage lending restrictions won't cause rapid credit growth - the bigger risk right now is banks being too conservative
Reserve Bank eyes removal of loan-to-value ratio mortgage restrictions in response to COVID-19 economic downturn for at least a year
21st Apr 20, 10:15am
235
Reserve Bank eyes removal of loan-to-value ratio mortgage restrictions in response to COVID-19 economic downturn for at least a year
Squirrel's John Bolton shares his thoughts on some of the supply and demand issues - and opportunities - in the post-lockdown housing market
21st Apr 20, 8:12am
92
Squirrel's John Bolton shares his thoughts on some of the supply and demand issues - and opportunities - in the post-lockdown housing market
David Chaston explains what's at stake when you consider taking up the mortgage payment deferral schemes now offered by banks. There is a lot to think about
6th Apr 20, 8:05am
55
David Chaston explains what's at stake when you consider taking up the mortgage payment deferral schemes now offered by banks. There is a lot to think about
Big market opportunity seen for Heartland Group Holdings' push into the residential mortgage market
9th Mar 20, 9:27am
2
Big market opportunity seen for Heartland Group Holdings' push into the residential mortgage market
The Red Bank takes a sharp knife to its three, four and five year fixed home loan rates, making them all much lower than their main rivals. They also trim term deposit rates
5th Mar 20, 5:08pm
18
The Red Bank takes a sharp knife to its three, four and five year fixed home loan rates, making them all much lower than their main rivals. They also trim term deposit rates
Heartland launches online home loan offers with aggressive one to three year fixed rates and a floating rate as it tests appetite for digital mortgages
5th Mar 20, 7:35am
31
Heartland launches online home loan offers with aggressive one to three year fixed rates and a floating rate as it tests appetite for digital mortgages
House prices have risen more than twice as fast as incomes for typical first home buyers over the last 10 years, leaving them struggling to scrape up a deposit in most parts of the country
27th Jan 20, 6:02am
172
House prices have risen more than twice as fast as incomes for typical first home buyers over the last 10 years, leaving them struggling to scrape up a deposit in most parts of the country
In part II of our 2019 mortgage rate analysis, we reveal which main bank offered the lowest rates for the most time in the year, and in the key rollover and house buying seasons
29th Dec 19, 6:02am
3
In part II of our 2019 mortgage rate analysis, we reveal which main bank offered the lowest rates for the most time in the year, and in the key rollover and house buying seasons
We look at who cut what home loan rates in 2019 and whether our main banks passed on the lower OCR benefits to borrowers. And did those cuts help or hurt first home buyers?
28th Dec 19, 10:37am
13
We look at who cut what home loan rates in 2019 and whether our main banks passed on the lower OCR benefits to borrowers. And did those cuts help or hurt first home buyers?
Banks have reduced the interest rates they use to test mortgage borrowers' ability to repay loans this year, but are increasingly interested in borrowers' expenses as they calculate their ability to service loans
20th Dec 19, 5:00am
25
Banks have reduced the interest rates they use to test mortgage borrowers' ability to repay loans this year, but are increasingly interested in borrowers' expenses as they calculate their ability to service loans
Morgan Stanley analysts pick already weak mortgage lending growth from the Aussie parents of New Zealand's big four banks to weaken further
4th Dec 19, 9:15am
6
Morgan Stanley analysts pick already weak mortgage lending growth from the Aussie parents of New Zealand's big four banks to weaken further
TSB will again match any home loan rate advertised and offered by an Australian-owned major bank. This offer ensures TSB clients can win lower rates for five of the eight rate options
26th Nov 19, 10:14am
5
TSB will again match any home loan rate advertised and offered by an Australian-owned major bank. This offer ensures TSB clients can win lower rates for five of the eight rate options
Another major bank falls into line with a 3.39% one year home loan rate while also raising its two year fixed rate by +10 bps
21st Nov 19, 8:49am
8
Another major bank falls into line with a 3.39% one year home loan rate while also raising its two year fixed rate by +10 bps
New Zealand's largest home loan bank has chosen to match the hot one year rate offer from the smallest of their major home loan rivals as wholesale rates stay low
19th Nov 19, 2:41pm
23
New Zealand's largest home loan bank has chosen to match the hot one year rate offer from the smallest of their major home loan rivals as wholesale rates stay low
Kiwibank makes a serious cut to its one year fixed home loan rate, besting all its major rivals. It also raises its one year TD rate, the first such rise for a term deposit rate in 2019, as wholesale rates turn up
15th Nov 19, 3:55pm
19
Kiwibank makes a serious cut to its one year fixed home loan rate, besting all its major rivals. It also raises its one year TD rate, the first such rise for a term deposit rate in 2019, as wholesale rates turn up
While mortgage bankers assess the wholesale money moves and await RBNZ rate and policy signals, at least one more bank is rolling out a cash incentive to get borrowers to switch
8th Nov 19, 4:37pm
2
While mortgage bankers assess the wholesale money moves and await RBNZ rate and policy signals, at least one more bank is rolling out a cash incentive to get borrowers to switch
In the gritty detail of drawdowns, interest costs, and repayments David Chaston finds clear evidence that low interest rates aren't used to save borrowers money, they are used to bid up prices and debt levels
30th Oct 19, 9:44am
33
In the gritty detail of drawdowns, interest costs, and repayments David Chaston finds clear evidence that low interest rates aren't used to save borrowers money, they are used to bid up prices and debt levels
The next move lower for home loan rates is a minor tweak, this time by Kiwibank, and the main features are that it just matches rate levels of its main rivals
24th Oct 19, 4:33pm
6
The next move lower for home loan rates is a minor tweak, this time by Kiwibank, and the main features are that it just matches rate levels of its main rivals
A NZ-owned challenger bank bursts into contention with a 3.39% two year fixed home loan rate, plus a cash-back incentive. Other banks eye cashbacks too
21st Oct 19, 5:02am
19
A NZ-owned challenger bank bursts into contention with a 3.39% two year fixed home loan rate, plus a cash-back incentive. Other banks eye cashbacks too
The last of the major banks trims its key mortgage rates, falling into line with the levels triggered by ANZ earlier in the week. With low rates very tightly bunched, no bank can afford to be out of line
18th Oct 19, 9:42am
24
The last of the major banks trims its key mortgage rates, falling into line with the levels triggered by ANZ earlier in the week. With low rates very tightly bunched, no bank can afford to be out of line