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Mortgage rates

We track which banks had the lowest home loan carded rate offers through 2021 and saw how low rates juiced up a housing market where values now threaten to exceed five times our annual economic activity
3rd Jan 22, 12:08pm
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We track which banks had the lowest home loan carded rate offers through 2021 and saw how low rates juiced up a housing market where values now threaten to exceed five times our annual economic activity
Gareth Vaughan makes 5 predictions for 2022 looking at Covid-19, climate change, bank lending, the RBNZ & rising interest rates
22nd Dec 21, 10:15am
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Gareth Vaughan makes 5 predictions for 2022 looking at Covid-19, climate change, bank lending, the RBNZ & rising interest rates
ANZ economists are the last major bank to tip that house prices will drop - now picking a 4% decline next year
15th Dec 21, 9:01am
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ANZ economists are the last major bank to tip that house prices will drop - now picking a 4% decline next year
Latest ASB Housing Confidence Survey shows respondents at odds with ASB's economists over the direction of house prices
6th Dec 21, 5:00am
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Latest ASB Housing Confidence Survey shows respondents at odds with ASB's economists over the direction of house prices
David Hargreaves crunches some facts and numbers and worries about what might be ahead in 2022
23rd Nov 21, 2:29pm
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David Hargreaves crunches some facts and numbers and worries about what might be ahead in 2022
BNZ economists anticipate ongoing interest rate increases and constrained household spending; a recession is 'possible' but not their 'central scenario' barring an external shock
22nd Nov 21, 2:12pm
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BNZ economists anticipate ongoing interest rate increases and constrained household spending; a recession is 'possible' but not their 'central scenario' barring an external shock
Reserve Bank set to increase the Official Cash Rate on Wednesday in the last scheduled review of its key monetary policy tool for three months
21st Nov 21, 6:00am
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Reserve Bank set to increase the Official Cash Rate on Wednesday in the last scheduled review of its key monetary policy tool for three months
Benje Patterson says many households will need to tighten their belts due to higher mortgage payments. The burden of this adjustment will be unevenly spread across the economy and fall on sectors which rely on discretionary expenditure
18th Nov 21, 9:29am
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Benje Patterson says many households will need to tighten their belts due to higher mortgage payments. The burden of this adjustment will be unevenly spread across the economy and fall on sectors which rely on discretionary expenditure
Westpac's head of NZ strategy Imre Speizer says the current rush to fix mortgages is likely to continue into next year, which will keep pressure on swap rates
17th Nov 21, 12:35pm
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Westpac's head of NZ strategy Imre Speizer says the current rush to fix mortgages is likely to continue into next year, which will keep pressure on swap rates
Kiwibank economists, who have this year been highlighting upside risks to interest rates now say some wholesale rates have gone too far and will be 'pulled down'
15th Nov 21, 1:40pm
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Kiwibank economists, who have this year been highlighting upside risks to interest rates now say some wholesale rates have gone too far and will be 'pulled down'
With interest rates rising for the first time in a long time, what will this mean for those with mortgages, especially borrowers who haven't experienced rising interest rates before?
10th Nov 21, 3:13pm
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With interest rates rising for the first time in a long time, what will this mean for those with mortgages, especially borrowers who haven't experienced rising interest rates before?
BNZ economists say the single biggest uncertainty facing the economy over the next twelve months is how business and consumer sentiment responds to endemic Covid
8th Nov 21, 3:12pm
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BNZ economists say the single biggest uncertainty facing the economy over the next twelve months is how business and consumer sentiment responds to endemic Covid
Westpac economists say two-year fixed mortgage rates are already closer to their peak than their trough in the current cycle
8th Nov 21, 1:36pm
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Westpac economists say two-year fixed mortgage rates are already closer to their peak than their trough in the current cycle
Westpac acting chief economist Michael Gordon says the starting point for the NZ economy in this cycle is 'wildly stronger' than the Reserve Bank expected, and the upside risks for inflation are growing
4th Nov 21, 8:47am
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Westpac acting chief economist Michael Gordon says the starting point for the NZ economy in this cycle is 'wildly stronger' than the Reserve Bank expected, and the upside risks for inflation are growing
Volatility and a lack of liquidity causing ructions in local wholesale money markets, which isn't good news for people with home loans
29th Oct 21, 12:46pm
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Volatility and a lack of liquidity causing ructions in local wholesale money markets, which isn't good news for people with home loans
Kiwibank economists say there's currently an 'imbalance' in the wholesale interest rate markets and they see more 'upside risk' for mortgage rates
26th Oct 21, 3:15pm
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Kiwibank economists say there's currently an 'imbalance' in the wholesale interest rate markets and they see more 'upside risk' for mortgage rates
A much larger rise in inflation, especially tradable inflation, has turbocharged wholesale swap rates with more in prospect, signaling giant mortgage rates are ahead
18th Oct 21, 6:20pm
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A much larger rise in inflation, especially tradable inflation, has turbocharged wholesale swap rates with more in prospect, signaling giant mortgage rates are ahead
ANZ pushes one-year, 18-month, two-year and three-year fixed-term mortgages rates higher
16th Sep 21, 7:41am
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ANZ pushes one-year, 18-month, two-year and three-year fixed-term mortgages rates higher
ASB chief economist expects house price growth to be 'dead in the water' next year
12th Sep 21, 5:39pm
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ASB chief economist expects house price growth to be 'dead in the water' next year
RBNZ analytical note suggests OCR change is felt by home loan borrowers within a month, with biggest impact taking 6 months
30th Aug 21, 11:39am
RBNZ analytical note suggests OCR change is felt by home loan borrowers within a month, with biggest impact taking 6 months
SBS Bank launches a comprehensive home loan offer for first home buyers featuring a 1.99% rate fixed for one year, boosted by four other incentives
6th Aug 21, 10:31am
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SBS Bank launches a comprehensive home loan offer for first home buyers featuring a 1.99% rate fixed for one year, boosted by four other incentives
Reserve Bank finds the reduction in term deposit and mortgage rates between 2016 and 2020 lifted households' net incomes by 0.1% - other things constant
27th Jul 21, 1:25pm
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Reserve Bank finds the reduction in term deposit and mortgage rates between 2016 and 2020 lifted households' net incomes by 0.1% - other things constant
Interest charged on home loans fell to a low in the June quarter but will start rising along with mortgage rates
27th Jul 21, 10:30am
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Interest charged on home loans fell to a low in the June quarter but will start rising along with mortgage rates
How all the mortgage debt we've racked up will see an OCR hike have a particularly large cooling effect on the economy  
8th Jul 21, 9:20am
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How all the mortgage debt we've racked up will see an OCR hike have a particularly large cooling effect on the economy  
How high household debt and the swathe of mortgages due to rollover within the next year could make NZ particularly sensitive to interest rate rises... should they eventuate soon
28th May 21, 8:30am
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How high household debt and the swathe of mortgages due to rollover within the next year could make NZ particularly sensitive to interest rate rises... should they eventuate soon