LVRs

4th Mar 21, 3:30pm
Nearly 40% of bank lending to residential property investors is on interest-only arrangements - RBNZ tight-lipped on whether this is too high, but raises concerns over leverage
Nearly 40% of bank lending to residential property investors is on interest-only arrangements - RBNZ tight-lipped on whether this is too high, but raises concerns over leverage
4th Mar 21, 3:30pm
2nd Mar 21, 4:09pm
The Government is making noises about putting housing investors to the sword. But will it follow through? And will this help?
The Government is making noises about putting housing investors to the sword. But will it follow through? And will this help?
2nd Mar 21, 4:09pm
24th Feb 21, 4:03pm
In its latest Monetary Policy Statement the Reserve Bank is forecasting a house price inflation peak of 22.4% in June this year before falling to 10.2% by the end of the year
In its latest Monetary Policy Statement the Reserve Bank is forecasting a house price inflation peak of 22.4% in June this year before falling to 10.2% by the end of the year
24th Feb 21, 4:03pm
22nd Feb 21, 10:54am
The past year finished with the fourth consecutive monthly record high of mortgage lending, while despite the 'lost' month of April, some $8 billion more was borrowed in 2020 than the year before
The past year finished with the fourth consecutive monthly record high of mortgage lending, while despite the 'lost' month of April, some $8 billion more was borrowed in 2020 than the year before
22nd Feb 21, 10:54am
21st Feb 21, 6:02am
Gareth Vaughan wonders whether the only way New Zealand will get a circuit breaker to our housing affordability woes will be if there's a severe housing market downturn
Gareth Vaughan wonders whether the only way New Zealand will get a circuit breaker to our housing affordability woes will be if there's a severe housing market downturn
21st Feb 21, 6:02am
19th Feb 21, 9:00am
RBNZ expects LVRs to shave up to 4 percentage points off house price inflation and lower bank lending to property investors by as much as 40%
RBNZ expects LVRs to shave up to 4 percentage points off house price inflation and lower bank lending to property investors by as much as 40%
19th Feb 21, 9:00am
15th Feb 21, 4:19pm
The Reserve Banks says it is working directly with stakeholders to determine how many people have been impacted by the December data breach 'and will ensure they are well supported'
The Reserve Banks says it is working directly with stakeholders to determine how many people have been impacted by the December data breach 'and will ensure they are well supported'
15th Feb 21, 4:19pm
10th Feb 21, 1:53pm
The RBNZ suggests exempting certain groups from debt-to-income restrictions would be difficult, as the Finance Minister expresses concerns over the impact these restrictions would have on first-home buyers
The RBNZ suggests exempting certain groups from debt-to-income restrictions would be difficult, as the Finance Minister expresses concerns over the impact these restrictions would have on first-home buyers
10th Feb 21, 1:53pm
[Updated]
9th Feb 21, 10:20am
RBNZ targets residential property investors with new high LVR restrictions: Most investors to need 40% deposits and most owner-occupiers 20% deposits
[Updated]
RBNZ targets residential property investors with new high LVR restrictions: Most investors to need 40% deposits and most owner-occupiers 20% deposits
9th Feb 21, 10:20am
5th Feb 21, 5:15pm
ASB says residential property investors seeking loans must now have a 40% deposit, with bank's CEO 'concerned high levels of investor demand are unsustainable'
ASB says residential property investors seeking loans must now have a 40% deposit, with bank's CEO 'concerned high levels of investor demand are unsustainable'
5th Feb 21, 5:15pm
22nd Jan 21, 7:01pm
Cyber attack prompts RBNZ to delay collecting and publishing bank data, key to policymakers addressing the housing crisis and ensuring the financial system is stable
Cyber attack prompts RBNZ to delay collecting and publishing bank data, key to policymakers addressing the housing crisis and ensuring the financial system is stable
22nd Jan 21, 7:01pm
19th Jan 21, 11:36am
David Hargreaves says the ability of first home buyers to keep competing in the viciously competitive housing market will be a key thing to watch this year
David Hargreaves says the ability of first home buyers to keep competing in the viciously competitive housing market will be a key thing to watch this year
19th Jan 21, 11:36am
18th Dec 20, 1:51pm
Jenée Tibshraeny has spent the year scrutinising the seismic government and central bank interventions made to keep the economy (and house prices) afloat. She shares her observations on the NZ Everyday Investor podcast
Jenée Tibshraeny has spent the year scrutinising the seismic government and central bank interventions made to keep the economy (and house prices) afloat. She shares her observations on the NZ Everyday Investor podcast
18th Dec 20, 1:51pm
[Updated]
11th Dec 20, 11:38am
Reserve Bank open to having more regard for house prices through the way it regulates banks, not through the way it conducts monetary policy; Asks for debt-to-income tools
[Updated]
Reserve Bank open to having more regard for house prices through the way it regulates banks, not through the way it conducts monetary policy; Asks for debt-to-income tools
11th Dec 20, 11:38am
30th Nov 20, 3:40pm
Reserve Bank statistics show the bumper mortgage month of October led to the biggest monthly and annual increase in the amount of mortgage money outstanding ever
Reserve Bank statistics show the bumper mortgage month of October led to the biggest monthly and annual increase in the amount of mortgage money outstanding ever
30th Nov 20, 3:40pm
[Updated]
26th Nov 20, 4:31pm
Robertson says Labour wouldn't be breaking its pre-election promises on tax if it extended the bright-line test; Orr clarifies the RBNZ would like debt-to-income ratios to be added to its toolkit but this hasn't been a priority
[Updated]
Robertson says Labour wouldn't be breaking its pre-election promises on tax if it extended the bright-line test; Orr clarifies the RBNZ would like debt-to-income ratios to be added to its toolkit but this hasn't been a priority
26th Nov 20, 4:31pm
[Updated]
25th Nov 20, 10:12am
RBNZ notes the financial stability risks associated with sky-rocketing house prices, but doesn't ask for a debt-to-income ratio tool to be added to its macro-prudential toolkit
[Updated]
RBNZ notes the financial stability risks associated with sky-rocketing house prices, but doesn't ask for a debt-to-income ratio tool to be added to its macro-prudential toolkit
25th Nov 20, 10:12am
25th Nov 20, 8:01am
Economist Brian Easton looks at housing bubbles and what we might do about them
Economist Brian Easton looks at housing bubbles and what we might do about them
25th Nov 20, 8:01am
25th Nov 20, 7:50am
Ryan Greenaway-McGrevy says reintroducing LVR restrictions on property investors is urgently needed and the maximum LVR on investment properties should be 60% or perhaps even 50%
Ryan Greenaway-McGrevy says reintroducing LVR restrictions on property investors is urgently needed and the maximum LVR on investment properties should be 60% or perhaps even 50%
25th Nov 20, 7:50am
25th Nov 20, 6:58am
Economists expect the RBNZ to respond to government pressure over house prices by restricting bank lending; Financial markets now see lower odds of a negative OCR in 2021
Economists expect the RBNZ to respond to government pressure over house prices by restricting bank lending; Financial markets now see lower odds of a negative OCR in 2021
25th Nov 20, 6:58am
[Updated]
24th Nov 20, 4:23pm
BNZ says it will reintroduce loan-to-value ratio restrictions on low deposit home loans from December 7 as Reserve Bank moves to formally restore them
[Updated]
BNZ says it will reintroduce loan-to-value ratio restrictions on low deposit home loans from December 7 as Reserve Bank moves to formally restore them
24th Nov 20, 4:23pm
17th Nov 20, 6:34am
PM pleased the RBNZ is looking to reimpose stricter bank lending rules on investors than owner-occupiers, but won't go so far as to suggest what new LVR rules should look like
PM pleased the RBNZ is looking to reimpose stricter bank lending rules on investors than owner-occupiers, but won't go so far as to suggest what new LVR rules should look like
17th Nov 20, 6:34am
16th Nov 20, 12:26pm
Latest Reserve Bank figures on household debt to income ratios show more mortgage money being borrowed at in excess of five times annual income - but Auckland may be reaching limits
Latest Reserve Bank figures on household debt to income ratios show more mortgage money being borrowed at in excess of five times annual income - but Auckland may be reaching limits
16th Nov 20, 12:26pm
15th Nov 20, 6:02am
Gareth Vaughan delves into the Reserve Bank's mandate, economic policy settings, the housing market and the type of society New Zealanders want
Gareth Vaughan delves into the Reserve Bank's mandate, economic policy settings, the housing market and the type of society New Zealanders want
15th Nov 20, 6:02am
12th Nov 20, 5:07pm
Banks are moving quickly to reinstate LVR restrictions now that they have the RBNZ's signal. The first to announce them is heavyweight ASB, which is moving 'immediately'
Banks are moving quickly to reinstate LVR restrictions now that they have the RBNZ's signal. The first to announce them is heavyweight ASB, which is moving 'immediately'
12th Nov 20, 5:07pm

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