Lending

Reserve Bank's latest credit conditions survey shows while mortgage demand has increased, poor economic conditions and higher unemployment rates are likely to remain headwinds

Reserve Bank's latest credit conditions survey shows while mortgage demand has increased, poor economic conditions and higher unemployment rates are likely to remain headwinds

New Zealand Banking Association says a large proportion of mortgage holders are 'reaping the benefits' of paying down their loan faster

New Zealand Banking Association says a large proportion of mortgage holders are 'reaping the benefits' of paying down their loan faster

David Hargreaves examines mortgage figures for 2024 and compares figures over the 10-year timeframe that the detailed Reserve Bank data now covers

David Hargreaves examines mortgage figures for 2024 and compares figures over the 10-year timeframe that the detailed Reserve Bank data now covers

BNZ chief economist Mike Jones says going short has 'tended to pay off' but he is 'compelled to offer a few competing viewpoints'

BNZ chief economist Mike Jones says going short has 'tended to pay off' but he is 'compelled to offer a few competing viewpoints'

Independent global economic researchers Capital Economics say despite their expectation the RBNZ will slash the OCR to just 2.25% in 2025 the housing market price recovery will be 'muted'

Independent global economic researchers Capital Economics say despite their expectation the RBNZ will slash the OCR to just 2.25% in 2025 the housing market price recovery will be 'muted'

Latest quarterly Reserve Bank figures show the levels of new high debt-to-income borrowing are still well below the official limits that came into force in July this year

Latest quarterly Reserve Bank figures show the levels of new high debt-to-income borrowing are still well below the official limits that came into force in July this year

BNZ chief economist Mike Jones says longer term mortgage rates are already reflecting anticipated cuts to the Official Cash Rate, but shorter term mortgage rates have more 'downside'

BNZ chief economist Mike Jones says longer term mortgage rates are already reflecting anticipated cuts to the Official Cash Rate, but shorter term mortgage rates have more 'downside'

The country's banks are reporting early signs of a rebound in activity from property investors and demand for mortgage lending from both owner occupiers and investors is expected to continue to increase during the next six months

The country's banks are reporting early signs of a rebound in activity from property investors and demand for mortgage lending from both owner occupiers and investors is expected to continue to increase during the next six months

NZ Banking Association says despite tough economic conditions, 'the vast majority of New Zealanders' are managing their financial situation well

NZ Banking Association says despite tough economic conditions, 'the vast majority of New Zealanders' are managing their financial situation well

David Hargreaves says the Reserve Bank will ultimately decide where interest rates go and at what speed. But what will it decide?

David Hargreaves says the Reserve Bank will ultimately decide where interest rates go and at what speed. But what will it decide?

Latest quarterly Reserve Bank figures show now the long-expected DTI limits are finally with us, we can actually forget all about them - for the moment

Latest quarterly Reserve Bank figures show now the long-expected DTI limits are finally with us, we can actually forget all about them - for the moment

'We see recent falls in mortgage rates as more about preventing a deeper correction in house prices than providing the fuel for an immediate lurch higher'

'We see recent falls in mortgage rates as more about preventing a deeper correction in house prices than providing the fuel for an immediate lurch higher'

Latest Reserve Bank mortgage figures show investors came close to overtaking first home buyers in the month of July

Latest Reserve Bank mortgage figures show investors came close to overtaking first home buyers in the month of July

Now that interest rates are officially on the way down, David Hargreaves has a crunch of some numbers that might help us to determine when the economy will pick up again

Now that interest rates are officially on the way down, David Hargreaves has a crunch of some numbers that might help us to determine when the economy will pick up again

BNZ's chief economist says mortgage holders have shortened up the terms of their fixed-rate borrowing 'much more so' than before previous Official Cash Rate easing cycles

BNZ's chief economist says mortgage holders have shortened up the terms of their fixed-rate borrowing 'much more so' than before previous Official Cash Rate easing cycles