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 Thursday; no retail rate changes again, savers spread deposit funds, retail & rents stunted, mortgagee sales surge, tax take tells downbeat tale, swaps & NZD firmish, & more
6th Nov 25, 4:00pm
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A review of things you need to know before you sign off on Thursday; no retail rate changes again, savers spread deposit funds, retail & rents stunted, mortgagee sales surge, tax take tells downbeat tale, swaps & NZD firmish, & more
US labour market makes gains, but only in one region; US service sector expands; tariff-tax legality examined; China service expansion fragile; UST 10yr at 4.15%; gold up and oil down; NZ$1 = 56.6 USc; TWI-5 = 61.3
6th Nov 25, 7:19am
23
US labour market makes gains, but only in one region; US service sector expands; tariff-tax legality examined; China service expansion fragile; UST 10yr at 4.15%; gold up and oil down; NZ$1 = 56.6 USc; TWI-5 = 61.3
A review of things you need to know before you sign off on Wednesday; no retail rate changes, jobless at 9 year high, dairy prices fall, commodity prices fall, 'banking system safe', world turns risk-averse, swaps lower, NZD drops, & more
5th Nov 25, 4:00pm
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A review of things you need to know before you sign off on Wednesday; no retail rate changes, jobless at 9 year high, dairy prices fall, commodity prices fall, 'banking system safe', world turns risk-averse, swaps lower, NZD drops, & more
Dairy prices drop again; US optimism leaks broadly; China not buying US soybean; Australia pushes rate cut prospects firmly away on inflation pressures; UST 10yr at 4.08%; gold and oil fall; NZ$1 = 56.7 USc; TWI-5 = 61.3
5th Nov 25, 7:19am
37
Dairy prices drop again; US optimism leaks broadly; China not buying US soybean; Australia pushes rate cut prospects firmly away on inflation pressures; UST 10yr at 4.08%; gold and oil fall; NZ$1 = 56.7 USc; TWI-5 = 61.3
A review of things you need to know before you sign off on Tuesday; no retail rate changes but a hot broker rate, B&T volumes dip, Centrix sees clouds clearing, new car sales strong, swaps little-changed, NZD falls, & more
4th Nov 25, 3:59pm
12
A review of things you need to know before you sign off on Tuesday; no retail rate changes but a hot broker rate, B&T volumes dip, Centrix sees clouds clearing, new car sales strong, swaps little-changed, NZD falls, & more
US factories contract faster, struggling with tariff-tax costs; other global factory PMIs mixed; Australia faces new inflation threat; CPTPP to expand again; UST 10yr at 4.11%; gold firms slightly and oil holds; NZ$1 = 57.1 USc; TWI-5 = 61.7
4th Nov 25, 7:20am
3
US factories contract faster, struggling with tariff-tax costs; other global factory PMIs mixed; Australia faces new inflation threat; CPTPP to expand again; UST 10yr at 4.11%; gold firms slightly and oil holds; NZ$1 = 57.1 USc; TWI-5 = 61.7
A review of things you need to know before you sign off on Monday; residential building consents rise, bank deposit terms get shorter, Westpac's profits hold, Aussie data wavers, swaps firm, NZD holds, & more
3rd Nov 25, 4:00pm
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A review of things you need to know before you sign off on Monday; residential building consents rise, bank deposit terms get shorter, Westpac's profits hold, Aussie data wavers, swaps firm, NZD holds, & more
Not much cheer for savers as 2025 heads towards its end, with term deposit rates being lowered by some, and soft everywhere
3rd Nov 25, 11:36am
1
Not much cheer for savers as 2025 heads towards its end, with term deposit rates being lowered by some, and soft everywhere
Eyes on the RBA as inflation rises; China's PMI's stay stalled; Japanese industrial production rises; Buffett retires on a high; Aussie housing markets frothy; UST 10yr at 4.10%; gold eases slightly and oil holds; NZ$1 = 57.2 USc; TWI-5 = 61.8
3rd Nov 25, 7:19am
20
Eyes on the RBA as inflation rises; China's PMI's stay stalled; Japanese industrial production rises; Buffett retires on a high; Aussie housing markets frothy; UST 10yr at 4.10%; gold eases slightly and oil holds; NZ$1 = 57.2 USc; TWI-5 = 61.8
From US to China, global factory activity is weak; but there are Asian exceptions; EU inflation modest; Aussie lending surges drawing warnings; UST 10yr at 4.10%; gold firms slightly and oil holds; NZ$1 = 57.2 USc; TWI-5 = 61.8
1st Nov 25, 8:45am
22
From US to China, global factory activity is weak; but there are Asian exceptions; EU inflation modest; Aussie lending surges drawing warnings; UST 10yr at 4.10%; gold firms slightly and oil holds; NZ$1 = 57.2 USc; TWI-5 = 61.8
A review of things you need to know before you sign off on Friday; many retail rate moves, consumer sentiment hesitates, livestock prices rise, log prices stable, housing debt rises faster, TD's shrink, swaps up, NZ down, & more
31st Oct 25, 3:59pm
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A review of things you need to know before you sign off on Friday; many retail rate moves, consumer sentiment hesitates, livestock prices rise, log prices stable, housing debt rises faster, TD's shrink, swaps up, NZ down, & more
In granular analysis, we show the rate offer moves lower for savers have been faster than for borrowers. But the size of the shift might surprise you, with at least 3 interesting out-takes from this analysis
31st Oct 25, 9:10am
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In granular analysis, we show the rate offer moves lower for savers have been faster than for borrowers. But the size of the shift might surprise you, with at least 3 interesting out-takes from this analysis
US-China meeting inconclusive; Japan holds rates, as does the ECB; EU sentiment up as is GDP; air travel rises; freight rates rise; UST 10yr at 4.10%; gold firms slightly and oil holds; NZ$1 = 57.5 USc; TWI-5 = 62.1
31st Oct 25, 7:21am
12
US-China meeting inconclusive; Japan holds rates, as does the ECB; EU sentiment up as is GDP; air travel rises; freight rates rise; UST 10yr at 4.10%; gold firms slightly and oil holds; NZ$1 = 57.5 USc; TWI-5 = 62.1
A review of things you need to know before you sign off on Thursday; no retail rate changes, farmers vote yes, business sentiment rises, huge demand for NZGBs, water aplenty, swaps on hold, long bond rates rise, NZD stable, & more
30th Oct 25, 3:59pm
21
A review of things you need to know before you sign off on Thursday; no retail rate changes, farmers vote yes, business sentiment rises, huge demand for NZGBs, water aplenty, swaps on hold, long bond rates rise, NZD stable, & more
US Fed cuts as expected but divisions clear; US data soft; Canada cuts & says its done for now; Australian inflation pressure rises; air cargo demand rises; UST 10yr at 4.03%; gold and oil drop; NZ$1 = 57.8 USc; TWI-5 = 62.4
30th Oct 25, 7:18am
7
US Fed cuts as expected but divisions clear; US data soft; Canada cuts & says its done for now; Australian inflation pressure rises; air cargo demand rises; UST 10yr at 4.03%; gold and oil drop; NZ$1 = 57.8 USc; TWI-5 = 62.4
A review of things you need to know before you sign off on Wednesday; TSB launches a notable home loan rate; population dynamics change; dairy prices softer, LWDW panned by S&P, Aussie inflation rising, swaps & NZD stable, & more
29th Oct 25, 3:59pm
21
A review of things you need to know before you sign off on Wednesday; TSB launches a notable home loan rate; population dynamics change; dairy prices softer, LWDW panned by S&P, Aussie inflation rising, swaps & NZD stable, & more
US labour market signals weaken quickly; Fed meets without key data; South Korea growth rises; India factories stay very busy; eyes on Australian inflation and RBA; UST 10yr at 33.99%; gold and oil drop; NZ$1 = 57.8 USc; TWI-5 = 62.3
29th Oct 25, 7:25am
9
US labour market signals weaken quickly; Fed meets without key data; South Korea growth rises; India factories stay very busy; eyes on Australian inflation and RBA; UST 10yr at 33.99%; gold and oil drop; NZ$1 = 57.8 USc; TWI-5 = 62.3
Bank that started the current rate-cutting round in mid-September is back at it again, this time with a one year rate lower than all the main banks
29th Oct 25, 6:30am
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Bank that started the current rate-cutting round in mid-September is back at it again, this time with a one year rate lower than all the main banks
A review of things you need to know before you sign off on Tuesday; Kiwibank cuts TD rates, better signs in jobs market, FHB's take on more leverage, inflation affects groups differently, swaps stable, NZD firms, & more
28th Oct 25, 3:59pm
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A review of things you need to know before you sign off on Tuesday; Kiwibank cuts TD rates, better signs in jobs market, FHB's take on more leverage, inflation affects groups differently, swaps stable, NZD firms, & more
Eyes on China-US meeting; also on US Fed decision; markets decide both will be positive; China data positive; US data average; some key commodity prices zoom; UST 10yr at 4.00%; gold drops but oil holds; NZ$1 = 57.7 USc; TWI-5 = 62.2
28th Oct 25, 7:19am
6
Eyes on China-US meeting; also on US Fed decision; markets decide both will be positive; China data positive; US data average; some key commodity prices zoom; UST 10yr at 4.00%; gold drops but oil holds; NZ$1 = 57.7 USc; TWI-5 = 62.2
Eyes on China-US summit; other countries make deals but move away from US trade; PMIs positive; China FDI recovers; some sharp commodity price jumps; UST 10yr at 4.01%; gold and oil hold NZ$1 = 57.5 USc; TWI-5 = 62.1
27th Oct 25, 8:12am
4
Eyes on China-US summit; other countries make deals but move away from US trade; PMIs positive; China FDI recovers; some sharp commodity price jumps; UST 10yr at 4.01%; gold and oil hold NZ$1 = 57.5 USc; TWI-5 = 62.1
US inflation edges up but less than expected, sentiment edges down; Canada gets under Trump's skin; India & Japan expansions roll on; Russia cuts; UST 10yr at 4.00%; gold rises and oil dips NZ$1 = 57.5 USc; TWI-5 = 62.1
25th Oct 25, 9:04am
12
US inflation edges up but less than expected, sentiment edges down; Canada gets under Trump's skin; India & Japan expansions roll on; Russia cuts; UST 10yr at 4.00%; gold rises and oil dips NZ$1 = 57.5 USc; TWI-5 = 62.1
A review of things you need to know before you sign off on Friday; SBS Bank's outsized TD special has ended, larger borrowing for next-step purchasers, eyes on US CPI, gold turns up again, swaps stable, NZD firms, & more
24th Oct 25, 3:59pm
10
A review of things you need to know before you sign off on Friday; SBS Bank's outsized TD special has ended, larger borrowing for next-step purchasers, eyes on US CPI, gold turns up again, swaps stable, NZD firms, & more
Mixed US data; mixed Canada data; China builds next 5-yr Plan; China & US to meet soon; freight rates rise; crypto fraudster pardoned by Trump; UST 10yr at 3.99%; gold rises and oil surges on Russia sanctions; NZ$1 = 57.5 USc; TWI-5 = 62.1
24th Oct 25, 7:19am
3
Mixed US data; mixed Canada data; China builds next 5-yr Plan; China & US to meet soon; freight rates rise; crypto fraudster pardoned by Trump; UST 10yr at 3.99%; gold rises and oil surges on Russia sanctions; NZ$1 = 57.5 USc; TWI-5 = 62.1
The Red Bank comes back for more, making sure it has two market leading fixed rate terms. It also cuts term deposit rates. The Co-operative Bank cuts both as well
23rd Oct 25, 4:00pm
The Red Bank comes back for more, making sure it has two market leading fixed rate terms. It also cuts term deposit rates. The Co-operative Bank cuts both as well