LVRs
David Hargreaves questions the decision to totally free up house lending at a time when the market may be in for a substantial correction
21st Apr 20, 11:00am
157
David Hargreaves questions the decision to totally free up house lending at a time when the market may be in for a substantial correction
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
Latest Reserve Bank figures show we have been gearing ourselves up with mortgages - but personal borrowing and agricultural debt have reduced
31st Mar 20, 3:37pm
6
Latest Reserve Bank figures show we have been gearing ourselves up with mortgages - but personal borrowing and agricultural debt have reduced
Westpac economists say after a drop in the second half of this year house prices will next year slowly start returning to their 'pre-Covid-19 trajectory'
30th Mar 20, 1:13pm
132
Westpac economists say after a drop in the second half of this year house prices will next year slowly start returning to their 'pre-Covid-19 trajectory'
Most banks set-up to receive mortgage repayment deferral applications online; Customers urged not to swarm call centres
27th Mar 20, 3:33pm
27
Most banks set-up to receive mortgage repayment deferral applications online; Customers urged not to swarm call centres
New residential mortgage lending up 16% in year to January thanks to first-home buyers and investors; No major change to portion of lending to those with small deposits
28th Feb 20, 8:00am
62
New residential mortgage lending up 16% in year to January thanks to first-home buyers and investors; No major change to portion of lending to those with small deposits
New Reserve Bank figures show that household debt to income ratios are blowing out again after reducing during 2018
20th Feb 20, 10:33am
116
New Reserve Bank figures show that household debt to income ratios are blowing out again after reducing during 2018
If you don't have a 20% deposit when buying a house, you will be facing some double hurdles. But there are banks who seek out these high-fee situations
19th Feb 20, 1:16pm
23
If you don't have a 20% deposit when buying a house, you will be facing some double hurdles. But there are banks who seek out these high-fee situations
Westpac economists: Tax reform is the only effective way to solve NZ's housing affordability problem
Westpac economists, who nearly a year ago forecast surging house prices for this year, now say house price inflation will hit 10%
18th Feb 20, 11:48am
88
Westpac economists, who nearly a year ago forecast surging house prices for this year, now say house price inflation will hit 10%
ASB senior economist welcomes increase in investor confidence but questions the idea of confidence 'being driven by an investors’ house rather than things like KiwiSaver, the share market or investment property'
29th Jan 20, 5:14am
35
ASB senior economist welcomes increase in investor confidence but questions the idea of confidence 'being driven by an investors’ house rather than things like KiwiSaver, the share market or investment property'
The catch 22 Labour faces advocating for renters when the strength of the economy hinges on the strength of the housing market
28th Jan 20, 11:29am
101
The catch 22 Labour faces advocating for renters when the strength of the economy hinges on the strength of the housing market
ANZ economists believe there is even 'upside risk' to their 8% house price rise forecast but do believe 'a number of headwinds' will keep the market in check
22nd Jan 20, 11:35am
78
ANZ economists believe there is even 'upside risk' to their 8% house price rise forecast but do believe 'a number of headwinds' will keep the market in check
ANZ economists say 'if things really start to get silly' in the housing market, the Reserve Bank would have the option of tightening loan to value ratio restrictions again
13th Jan 20, 1:12pm
65
ANZ economists say 'if things really start to get silly' in the housing market, the Reserve Bank would have the option of tightening loan to value ratio restrictions again
Jury out over whether the RBNZ will loosen loan-to-value ratio restrictions on Wednesday, with some observers raising doubts over whether an easing would have much of an effect
24th Nov 19, 6:31am
78
Jury out over whether the RBNZ will loosen loan-to-value ratio restrictions on Wednesday, with some observers raising doubts over whether an easing would have much of an effect
RBNZ Governor Adrian Orr says more detail on unconventional monetary policy thinking coming soon, but we are not in a recession as he highlights the RBNZ's 'ability to use different levers in concert with each other' including the OCR, LVRs & bank capital
15th Nov 19, 1:23pm
17
RBNZ Governor Adrian Orr says more detail on unconventional monetary policy thinking coming soon, but we are not in a recession as he highlights the RBNZ's 'ability to use different levers in concert with each other' including the OCR, LVRs & bank capital
Having declined to cut the OCR in its last review of 2019, does this mean the RBNZ can ease bank lending restrictions without setting the housing market on fire? We asked the Assistant Governor
14th Nov 19, 4:28pm
29
Having declined to cut the OCR in its last review of 2019, does this mean the RBNZ can ease bank lending restrictions without setting the housing market on fire? We asked the Assistant Governor
A lift in housing activity could help to give the economy 'a bit of a kick', ANZ economists say
23rd Oct 19, 1:22pm
39
A lift in housing activity could help to give the economy 'a bit of a kick', ANZ economists say
David Hargreaves says the Government's supposed year of delivery has been a non-starter. But key decisions in the final two months of the year may set the tone for the economy in 2020
20th Oct 19, 6:02am
76
David Hargreaves says the Government's supposed year of delivery has been a non-starter. But key decisions in the final two months of the year may set the tone for the economy in 2020
With the RBNZ due to review its loan to value ratio restrictions next month, David Hargreaves assesses the chances of a resurgence in the housing market and therefore a boost to the economy
13th Oct 19, 6:02am
95
With the RBNZ due to review its loan to value ratio restrictions next month, David Hargreaves assesses the chances of a resurgence in the housing market and therefore a boost to the economy
Reserve Bank is proposing formal requirements for banks to provide access to cash deposits and withdrawals and wants the power to set standards for machines that process and dispense cash
2nd Oct 19, 3:37pm
26
Reserve Bank is proposing formal requirements for banks to provide access to cash deposits and withdrawals and wants the power to set standards for machines that process and dispense cash
Finance Minister Grant Robertson now tight-lipped on whether the RBNZ should be able to limit bank lending based on borrowers' incomes, having previously opposed such restrictions
17th Aug 19, 9:31am
16
Finance Minister Grant Robertson now tight-lipped on whether the RBNZ should be able to limit bank lending based on borrowers' incomes, having previously opposed such restrictions
With interest rates down and seemingly heading ever lower, David Hargreaves ponders how long the remarkable restraint being shown by the New Zealand public will last for
2nd Aug 19, 10:00am
35
With interest rates down and seemingly heading ever lower, David Hargreaves ponders how long the remarkable restraint being shown by the New Zealand public will last for
Latest Reserve Bank figures show that annual mortgage growth has slowed for the first time since last November
31st Jul 19, 3:44pm
33
Latest Reserve Bank figures show that annual mortgage growth has slowed for the first time since last November
Phase two of RBNZ Act review raises the possibility of loan-to-value ratio restrictions being extended from banks to all lenders active in the residential mortgage market
9th Jul 19, 5:00am
23
Phase two of RBNZ Act review raises the possibility of loan-to-value ratio restrictions being extended from banks to all lenders active in the residential mortgage market
Reserve Bank Deputy Governor says the central bank is 'comfortable' with further easing in bank lending restrictions for home buying
1st Jul 19, 10:14am
12
Reserve Bank Deputy Governor says the central bank is 'comfortable' with further easing in bank lending restrictions for home buying