About
David Chaston is the publisher of interest.co.nz and is commited to ensuring readers get the latest information on interest rates, and the forces that move them.
David Chaston
Latest articles
A review of things you need to know before you sign off on Tuesday; house prices stall, ageing population weighs on interest rates, eyes on dairy prices, eyes on surcharging, swaps stable, NZD softish, & more
15th Jul 25, 3:59pm
4
A review of things you need to know before you sign off on Tuesday; house prices stall, ageing population weighs on interest rates, eyes on dairy prices, eyes on surcharging, swaps stable, NZD softish, & more
Inflation eases in India; Singapore gets good expansion; China trade and loan expansion rises; eyes on US CPI; UST 10yr at 4.43%; gold and oil soft; NZ$1 = 59.7 USc; TWI-5 = 67.4; bitcoin tops NZ$200,000
15th Jul 25, 7:19am
6
Inflation eases in India; Singapore gets good expansion; China trade and loan expansion rises; eyes on US CPI; UST 10yr at 4.43%; gold and oil soft; NZ$1 = 59.7 USc; TWI-5 = 67.4; bitcoin tops NZ$200,000
A review of things you need to know before you sign off on Monday; no retail rate changes; rents slip, retail remains sluggish, grocery prices up 2.1%, service sector drags, swaps stable, NZD stays soft, & more
14th Jul 25, 3:59pm
10
A review of things you need to know before you sign off on Monday; no retail rate changes; rents slip, retail remains sluggish, grocery prices up 2.1%, service sector drags, swaps stable, NZD stays soft, & more
US tariffs still in flux, costs start to mount; USD depreciates, credit quality turns down; Canada data positive; China faces pension crunch in 10 years; UST 10yr at 4.42%; gold and oil stable; NZ$1 = 60.1 USc; TWI-5 = 67.6
14th Jul 25, 7:20am
3
US tariffs still in flux, costs start to mount; USD depreciates, credit quality turns down; Canada data positive; China faces pension crunch in 10 years; UST 10yr at 4.42%; gold and oil stable; NZ$1 = 60.1 USc; TWI-5 = 67.6
If you are not a first home buyer, a switcher, nor an investor, we look at your options when you need to refix your home loan in the current uber-competitive mortgage market
13th Jul 25, 6:01am
5
If you are not a first home buyer, a switcher, nor an investor, we look at your options when you need to refix your home loan in the current uber-competitive mortgage market
US tariffs paid by importers to hit US$300 bln; interest paid on debt to top US social security payments in 2025; Canada delivers strong labour market data; UST 10yr at 4.42%; gold and oil up; NZ$1 = 60.1 USc; TWI-5 = 67.6
12th Jul 25, 8:31am
19
US tariffs paid by importers to hit US$300 bln; interest paid on debt to top US social security payments in 2025; Canada delivers strong labour market data; UST 10yr at 4.42%; gold and oil up; NZ$1 = 60.1 USc; TWI-5 = 67.6
A review of things you need to know before you sign off on Friday; factory sector still contracting, RBNZ data update values the housing decline, T&G Global in play, tariff threats get even messier, swaps stable, NZD firmish, & more
11th Jul 25, 3:59pm
10
A review of things you need to know before you sign off on Friday; factory sector still contracting, RBNZ data update values the housing decline, T&G Global in play, tariff threats get even messier, swaps stable, NZD firmish, & more
US jobless claims at 4 year high; Japanese PPI trends lower; China car sales surge, especially NEVs; Korea holds rates; container freight rates fall; UST 10yr at 4.35%; gold up and oil down; NZ$1 = 60.3 USc; TWI-5 = 67.7
11th Jul 25, 7:18am
18
US jobless claims at 4 year high; Japanese PPI trends lower; China car sales surge, especially NEVs; Korea holds rates; container freight rates fall; UST 10yr at 4.35%; gold up and oil down; NZ$1 = 60.3 USc; TWI-5 = 67.7
A review of things you need to know before you sign off on Thursday: SBS Bank trims rates, truckometer stays weak, migration flows slump; Lactalis gets ok to bid for Fonterra's Mainland assets, swaps slip, NZD firms, & more
10th Jul 25, 3:59pm
5
A review of things you need to know before you sign off on Thursday: SBS Bank trims rates, truckometer stays weak, migration flows slump; Lactalis gets ok to bid for Fonterra's Mainland assets, swaps slip, NZD firms, & more
US travellers shunned, turn to trading houses; US Fed minutes reveal split; Japanese machine too orders healthy; Nvidia hits a unique valuation; UST 10yr at 4.34%; gold and oil unchanged; NZ$1 = 60 USc; TWI-5 = 67.5
10th Jul 25, 7:19am
22
US travellers shunned, turn to trading houses; US Fed minutes reveal split; Japanese machine too orders healthy; Nvidia hits a unique valuation; UST 10yr at 4.34%; gold and oil unchanged; NZ$1 = 60 USc; TWI-5 = 67.5
A review of things you need to know before you sign off on Wednesday; no retail rate changes as RBNZ releases a dovish review, new borrowers hang out there with floating rates, rents lower, swaps stable, NZD lower, NZX lower, & more
9th Jul 25, 4:00pm
9
A review of things you need to know before you sign off on Wednesday; no retail rate changes as RBNZ releases a dovish review, new borrowers hang out there with floating rates, rents lower, swaps stable, NZD lower, NZX lower, & more
US data stable but consumer debt demand falls; Canada expands; German exports dip; Australian sentiment improves; copper prices leap in the US; UST 10yr at 4.42%; gold dips and oil rises; NZ$1 = 60 USc; TWI-5 = 67.6
9th Jul 25, 7:21am
14
US data stable but consumer debt demand falls; Canada expands; German exports dip; Australian sentiment improves; copper prices leap in the US; UST 10yr at 4.42%; gold dips and oil rises; NZ$1 = 60 USc; TWI-5 = 67.6
Another rate cut by the Australian central bank was expected but didn't happen. But it was a split 6-3 decision
8th Jul 25, 4:36pm
4
Another rate cut by the Australian central bank was expected but didn't happen. But it was a split 6-3 decision
[updated]
A review of things you need to know before you sign off on Tuesday; no retail rate changes, property & retail markets lackluster, new lending trends, wholesale energy costs low, RBA declines to cut, swaps stable, NZD holds, & more
8th Jul 25, 4:00pm
6
A review of things you need to know before you sign off on Tuesday; no retail rate changes, property & retail markets lackluster, new lending trends, wholesale energy costs low, RBA declines to cut, swaps stable, NZD holds, & more
US issues unilateral tariff letters, pushing trade partners into China's orbit; global data stable; eyes on RBA and household reactions; UST 10yr at 4.39%; gold dips and oil firms; NZ$1 = 60 USc; TWI-5 = 67.7
8th Jul 25, 7:19am
5
US issues unilateral tariff letters, pushing trade partners into China's orbit; global data stable; eyes on RBA and household reactions; UST 10yr at 4.39%; gold dips and oil firms; NZ$1 = 60 USc; TWI-5 = 67.7
A review of things you need to know before you sign off on Monday; term deposit rate cuts, bonus saver withdrawal, home ownership rate dips, eyes on OCR decision, eyes on bank profits tax, swaps stable, NZD weaker, & more
7th Jul 25, 4:02pm
15
A review of things you need to know before you sign off on Monday; term deposit rate cuts, bonus saver withdrawal, home ownership rate dips, eyes on OCR decision, eyes on bank profits tax, swaps stable, NZD weaker, & more
Japanese households spend more; so do Singaporeans, and Australians; EU PPI levels out; EU house prices rise, some sharply; eyes on RBA and RBNZ; UST 10yr at 4.33%; gold up and oil flat; NZ$1 = 60.6 USc; TWI-5 = 68
7th Jul 25, 7:18am
6
Japanese households spend more; so do Singaporeans, and Australians; EU PPI levels out; EU house prices rise, some sharply; eyes on RBA and RBNZ; UST 10yr at 4.33%; gold up and oil flat; NZ$1 = 60.6 USc; TWI-5 = 68
As the economy stumbles, it is vital that reporting on what is happening stays comprehensive, open and free. We need our Supporters now more than ever. If you can support us you can go ad-free too
5th Jul 25, 9:10am
24
As the economy stumbles, it is vital that reporting on what is happening stays comprehensive, open and free. We need our Supporters now more than ever. If you can support us you can go ad-free too
Bad choices to haunt US financial markets; Japanese spending rises; China property woes back; EU house prices rise; Australian household spending rises; UST 10yr at 4.33%; gold up and oil flat; NZ$1 = 60.6 USc; TWI-5 = 67.9
5th Jul 25, 8:07am
15
Bad choices to haunt US financial markets; Japanese spending rises; China property woes back; EU house prices rise; Australian household spending rises; UST 10yr at 4.33%; gold up and oil flat; NZ$1 = 60.6 USc; TWI-5 = 67.9
A review of things you need to know before you sign off on Friday; Auckland dwelling completions low, FHBs raid K/S for first home deals, equity values still rising as companies stay optimistic, swaps a touch firmer, NZD holds, & more
4th Jul 25, 3:59pm
10
A review of things you need to know before you sign off on Friday; Auckland dwelling completions low, FHBs raid K/S for first home deals, equity values still rising as companies stay optimistic, swaps a touch firmer, NZD holds, & more
US budget locks in monster deficits; US payrolls rise, pay falls; US factory orders flat except for aircraft; China services expand slowly; freight rates dive; UST 10yr at 4.34%; gold down and oil flat; NZ$1 = 60.7 USc; TWI-5 = 68
4th Jul 25, 7:18am
18
US budget locks in monster deficits; US payrolls rise, pay falls; US factory orders flat except for aircraft; China services expand slowly; freight rates dive; UST 10yr at 4.34%; gold down and oil flat; NZ$1 = 60.7 USc; TWI-5 = 68
A review of things you need to know before you sign off on Thursday; surprise big-bank rise in a key TD rate, Kiwi Bond rates cut; households run down savings faster, car sales pick up, swaps stable, NZD eases back a bit, & more
3rd Jul 25, 3:58pm
12
A review of things you need to know before you sign off on Thursday; surprise big-bank rise in a key TD rate, Kiwi Bond rates cut; households run down savings faster, car sales pick up, swaps stable, NZD eases back a bit, & more
Treasury reduces Kiwi Bond interest rates, the benchmark for risk-free saving for retail savers, their third cut in 2025
3rd Jul 25, 2:28pm
Treasury reduces Kiwi Bond interest rates, the benchmark for risk-free saving for retail savers, their third cut in 2025
US jobs data gets an unexpected negative signal; US car sales retreat; China car sales strong but brittle; Singapore PMI firms; Aussie retail lackluster, eyes on RBA; UST 10yr at 4.29%; gold and oil firmer; NZ$1 = 60.8 USc; TWI-5 = 68.1
3rd Jul 25, 7:19am
22
US jobs data gets an unexpected negative signal; US car sales retreat; China car sales strong but brittle; Singapore PMI firms; Aussie retail lackluster, eyes on RBA; UST 10yr at 4.29%; gold and oil firmer; NZ$1 = 60.8 USc; TWI-5 = 68.1
A review of things you need to know before you sign off on Wednesday; Barfoots positive, mortgage stress rises, dairy prices weak, log demand tepid, banks launch unimpressive switching service, swaps mixed, NZD firmish, & more
2nd Jul 25, 3:59pm
4
A review of things you need to know before you sign off on Wednesday; Barfoots positive, mortgage stress rises, dairy prices weak, log demand tepid, banks launch unimpressive switching service, swaps mixed, NZD firmish, & more