Macroprudential tools
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
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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
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
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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
David Hargreaves suggests the 30% deposit rule for investors might not be enough to rein in the current super hot housing market
17th Nov 20, 2:49pm
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David Hargreaves suggests the 30% deposit rule for investors might not be enough to rein in the current super hot housing market
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
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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
Kiwibank economists say the current performance of the housing market is 'not consistent' with an economy in the midst of the worst recession in 100 years
12th Nov 20, 10:13am
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Kiwibank economists say the current performance of the housing market is 'not consistent' with an economy in the midst of the worst recession in 100 years
Investors rushing to secure low deposit mortgages before high LVR restrictions are reintroduced may not add as much fuel to the housing market fire as people are expecting
12th Nov 20, 9:00am
27
Investors rushing to secure low deposit mortgages before high LVR restrictions are reintroduced may not add as much fuel to the housing market fire as people are expecting
Reserve Bank has sharply upgraded its house price forecast for this year - but expects price growth to slow during next year
11th Nov 20, 3:57pm
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Reserve Bank has sharply upgraded its house price forecast for this year - but expects price growth to slow during next year
David Hargreaves says the decision by the Reserve Bank to go back on its word on house lending restrictions raises questions over other commitments it has made
11th Nov 20, 11:26am
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David Hargreaves says the decision by the Reserve Bank to go back on its word on house lending restrictions raises questions over other commitments it has made
Reserve Bank makes surprising announcement on move to reinstate lending restrictions in face of searing housing market; has also announced further delay in introducing new bank capital requirements till 2022
11th Nov 20, 8:52am
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Reserve Bank makes surprising announcement on move to reinstate lending restrictions in face of searing housing market; has also announced further delay in introducing new bank capital requirements till 2022
CEO Antonia Watson says ANZ NZ doesn't currently need the RBNZ's proposed funding for lending programme, but she'd like to see more fiscal stimulus from the Government
30th Oct 20, 9:29am
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CEO Antonia Watson says ANZ NZ doesn't currently need the RBNZ's proposed funding for lending programme, but she'd like to see more fiscal stimulus from the Government
First home buyers took out a record number of mortgages last month, but resurgent investor interest may be about to start sidelining them again, says David Hargreaves
28th Oct 20, 3:30pm
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First home buyers took out a record number of mortgages last month, but resurgent investor interest may be about to start sidelining them again, says David Hargreaves
Gareth Vaughan suggests the attitudes of Reserve Bank Governor Adrian Orr and the big four banks' bosses present at last week's INFINZ conference suggests some interesting times ahead as key issues come to a head
28th Oct 20, 1:27pm
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Gareth Vaughan suggests the attitudes of Reserve Bank Governor Adrian Orr and the big four banks' bosses present at last week's INFINZ conference suggests some interesting times ahead as key issues come to a head
Latest Reserve Bank monthly mortgage figures show over $7.3 bln advanced for mortgages last month; advances to first home buyers hit record high also; high LVR lending to investors has tripled since June
27th Oct 20, 3:22pm
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Latest Reserve Bank monthly mortgage figures show over $7.3 bln advanced for mortgages last month; advances to first home buyers hit record high also; high LVR lending to investors has tripled since June
The Reserve Bank says one option to ensure long-term availability of cash could be a public-private partnership to provide 'end to end' cash infrastructure
19th Oct 20, 2:55pm
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The Reserve Bank says one option to ensure long-term availability of cash could be a public-private partnership to provide 'end to end' cash infrastructure
Latest Reserve Bank monthly mortgage figures show that the housing market continued to run hot in August
24th Sep 20, 3:24pm
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Latest Reserve Bank monthly mortgage figures show that the housing market continued to run hot in August
The decision of the Reserve Bank to give cheap funding directly to the banks possibly as soon as November means even lower mortgages may be fuelling the pre-Christmas housing market
24th Sep 20, 11:03am
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The decision of the Reserve Bank to give cheap funding directly to the banks possibly as soon as November means even lower mortgages may be fuelling the pre-Christmas housing market
Latest Reserve Bank monthly mortgage figures show that the post lockdown bounce back in activity continued at hot pace in July
26th Aug 20, 3:19pm
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Latest Reserve Bank monthly mortgage figures show that the post lockdown bounce back in activity continued at hot pace in July
David Hargreaves tries to make sense of swirling and contradictory facts and figures around the current mortgage market
20th Aug 20, 9:04am
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David Hargreaves tries to make sense of swirling and contradictory facts and figures around the current mortgage market
Latest Reserve Bank figures on household debt to income ratios show that still more house buyers are borrowing more than five times their annual income
13th Aug 20, 3:43pm
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Latest Reserve Bank figures on household debt to income ratios show that still more house buyers are borrowing more than five times their annual income
David Hargreaves says the recent buyer trends in housing may just represent the way the market should look when freed from the distortions visited by the Reserve Bank's LVR rules
29th Jul 20, 1:52pm
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David Hargreaves says the recent buyer trends in housing may just represent the way the market should look when freed from the distortions visited by the Reserve Bank's LVR rules
People borrowing to buy their first homes outstripped the amount of money borrowed by investors during the last month
27th Jul 20, 11:22am
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People borrowing to buy their first homes outstripped the amount of money borrowed by investors during the last month
David Hargreaves is pleased the Government has decided to hold aside most of its designated pandemic money till after the election
21st Jul 20, 2:05pm
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David Hargreaves is pleased the Government has decided to hold aside most of its designated pandemic money till after the election
David Hargreaves says the willingness or otherwise of Kiwis to keep spending in coming months will be a key factor in how well our economy recovers
5th Jul 20, 6:02am
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David Hargreaves says the willingness or otherwise of Kiwis to keep spending in coming months will be a key factor in how well our economy recovers
Monthly mortgage borrowing shot up 57% in May compared with the lockdown month of April - but the figure of $4.3 bln advanced was still down by about a third compared with the same month a year ago
25th Jun 20, 3:33pm
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Monthly mortgage borrowing shot up 57% in May compared with the lockdown month of April - but the figure of $4.3 bln advanced was still down by about a third compared with the same month a year ago
David Hargreaves says while it would be lovely to simply bin this year and move straight on to 2021, we may be able to somewhat salvage matters in the second half of 2020
10th Jun 20, 7:50am
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David Hargreaves says while it would be lovely to simply bin this year and move straight on to 2021, we may be able to somewhat salvage matters in the second half of 2020