Lending

Steven Hail argues New Zealand is enduring a period of economic self-harm and offers a way to end this and create a future based on hope

Steven Hail argues New Zealand is enduring a period of economic self-harm and offers a way to end this and create a future based on hope

In their forthcoming first economic outlook for the year, Westpac's economists now think there will be SIX hikes of the OCR during next year as the current excess capacity in the economy is swallowed up more quickly than earlier expected

In their forthcoming first economic outlook for the year, Westpac's economists now think there will be SIX hikes of the OCR during next year as the current excess capacity in the economy is swallowed up more quickly than earlier expected

Even as banks start to raise mortgage rates again, the yields on outstanding mortgages are continuing to drop, albeit slowly

Even as banks start to raise mortgage rates again, the yields on outstanding mortgages are continuing to drop, albeit slowly

BNZ economists think the Reserve Bank will start to raise interest rates in the third quarter of this year but won't want to signpost that yet in its first Official Cash Rate review for the year next week

BNZ economists think the Reserve Bank will start to raise interest rates in the third quarter of this year but won't want to signpost that yet in its first Official Cash Rate review for the year next week

BNZ's Mike Jones says the cash flow release from mortgage repricing will remain a support for the economic recovery this year, albeit a dissipating one

BNZ's Mike Jones says the cash flow release from mortgage repricing will remain a support for the economic recovery this year, albeit a dissipating one

Mike Jones says mortgage fixing behaviour now appears less sensitive to current relative pricing, and more focused on the risks and opportunities from the shape of the next interest rate cycle

Mike Jones says mortgage fixing behaviour now appears less sensitive to current relative pricing, and more focused on the risks and opportunities from the shape of the next interest rate cycle

David Hargreaves has a crunch of the mortgage figures for the first six months of 2025 and says these show a return very much to 'normal' patterns after the wild pandemic period and subsequent slump

David Hargreaves has a crunch of the mortgage figures for the first six months of 2025 and says these show a return very much to 'normal' patterns after the wild pandemic period and subsequent slump

David Hargreaves has a look at how mortgage rate reductions have been tracking and tries to assess how much more is needed in order to get the economy back on track

David Hargreaves has a look at how mortgage rate reductions have been tracking and tries to assess how much more is needed in order to get the economy back on track

David Hargreaves has a crunch of the first-quarter mortgage figures, which show business is getting busier whether we talk about amounts borrowed or the numbers of mortgages taken out

David Hargreaves has a crunch of the first-quarter mortgage figures, which show business is getting busier whether we talk about amounts borrowed or the numbers of mortgages taken out

BNZ chief economist Mike Jones says the majority of positive cash flow from falling mortgage rates is yet to filter through, but will do so over the coming 6-12 months; cautions again on 'going short'

BNZ chief economist Mike Jones says the majority of positive cash flow from falling mortgage rates is yet to filter through, but will do so over the coming 6-12 months; cautions again on 'going short'

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'