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; BNZ drops 4% TD rate, updated FHB report released, Pāmu bullish, NZX's Petersen leaving, swaps stable, NZD firmish, & more
24th Jul 25, 3:59pm
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A review of things you need to know before you sign off on Thursday; BNZ drops 4% TD rate, updated FHB report released, Pāmu bullish, NZX's Petersen leaving, swaps stable, NZD firmish, & more
Rates and rate curves ease lower and flatten for savers using term deposits. There seems little reason for banks to compete hard for this type of funding
24th Jul 25, 11:57am
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Rates and rate curves ease lower and flatten for savers using term deposits. There seems little reason for banks to compete hard for this type of funding
US data ho-hum; US-Japan tariff deal reached; EU looks for similar; Korea sentiment rises; Taiwan industry zooms; Australian leading index dips; UST 10yr at 4.39%; gold down while oil stable; NZ$1 = 60.4 USc; TWI-5 = 67.7
24th Jul 25, 7:19am
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US data ho-hum; US-Japan tariff deal reached; EU looks for similar; Korea sentiment rises; Taiwan industry zooms; Australian leading index dips; UST 10yr at 4.39%; gold down while oil stable; NZ$1 = 60.4 USc; TWI-5 = 67.7
A review of things you need to know before you sign off on Wednesday; changing immigrant skills, record bank switching, salting away extra mortgage payments, Tower drops discounts, swaps slip, NZD rises, & more
23rd Jul 25, 3:59pm
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A review of things you need to know before you sign off on Wednesday; changing immigrant skills, record bank switching, salting away extra mortgage payments, Tower drops discounts, swaps slip, NZD rises, & more
US factory survey turns lower as company profits hit by tariffs; Taiwan shines; Japan reacts to election; Europe gets the housing bug; UST 10yr at 4.34%; gold & silver up while US oil drops; NZ$1 = 60 USc; TWI-5 = 67.5
23rd Jul 25, 7:22am
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US factory survey turns lower as company profits hit by tariffs; Taiwan shines; Japan reacts to election; Europe gets the housing bug; UST 10yr at 4.34%; gold & silver up while US oil drops; NZ$1 = 60 USc; TWI-5 = 67.5
A review of things you need to know before you sign off on Tuesday; housing affordability in virtuous trend, retailers feel better, another trade surplus, debt demand rises, NZX50 falls, swaps stable, NZD slips, & more
22nd Jul 25, 4:00pm
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A review of things you need to know before you sign off on Tuesday; housing affordability in virtuous trend, retailers feel better, another trade surplus, debt demand rises, NZX50 falls, swaps stable, NZD slips, & more
US leading index weakens again; Bessent attacks Fed, again; Canadians stoic under pressure; China rethinks unrestrained competition; UST 10yr at 4.37%; gold up and oil little-changed; NZ$1 = 59.8 USc; TWI-5 = 67.4
22nd Jul 25, 7:24am
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US leading index weakens again; Bessent attacks Fed, again; Canadians stoic under pressure; China rethinks unrestrained competition; UST 10yr at 4.37%; gold up and oil little-changed; NZ$1 = 59.8 USc; TWI-5 = 67.4
A review of things you need to know before you sign off on Monday; few retail rate changes, CPI inflation rises, ComCom debunks Fed Farmers conspiracy theory, China moves at speed and at scale, swaps firm, NZD softish, & more
21st Jul 25, 3:58pm
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A review of things you need to know before you sign off on Monday; few retail rate changes, CPI inflation rises, ComCom debunks Fed Farmers conspiracy theory, China moves at speed and at scale, swaps firm, NZD softish, & more
Eyes on NZ CPI; Japan government takes a drubbing, inflation eases; US housebuilding weaker except in Northeast; will Trump fire Powell?; RBA minutes due; UST 10yr at 4.43%; gold and oil little-changed; NZ$1 = 59.6 USc; TWI-5 = 67.5
21st Jul 25, 7:19am
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Eyes on NZ CPI; Japan government takes a drubbing, inflation eases; US housebuilding weaker except in Northeast; will Trump fire Powell?; RBA minutes due; UST 10yr at 4.43%; gold and oil little-changed; NZ$1 = 59.6 USc; TWI-5 = 67.5
American housebuilding weak everywhere except in one pocket; US sentiment stabilises at low level; eyes on Japan; Malaysia growth good; UST 10yr at 4.42%; gold and oil little-changed; NZ$1 = 59.6 USc; TWI-5 = 67.5
19th Jul 25, 8:16am
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American housebuilding weak everywhere except in one pocket; US sentiment stabilises at low level; eyes on Japan; Malaysia growth good; UST 10yr at 4.42%; gold and oil little-changed; NZ$1 = 59.6 USc; TWI-5 = 67.5
A review of things you need to know before you sign off on Friday; more NBDT TD rate cuts, real estate agent commissions revealed, credit card billing bump, swaps with firm tone, NZD end the week rising, & more
18th Jul 25, 3:59pm
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A review of things you need to know before you sign off on Friday; more NBDT TD rate cuts, real estate agent commissions revealed, credit card billing bump, swaps with firm tone, NZD end the week rising, & more
US data positive under tariff protection; Canada concede on dairy access; Singapore exports rise; eyes on RBA as labour market softens wile inflation stays up; UST 10yr at 4.47%; gold down and oil up; NZ$1 = 59.3 USc; TWI-5 = 67.2
18th Jul 25, 7:19am
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US data positive under tariff protection; Canada concede on dairy access; Singapore exports rise; eyes on RBA as labour market softens wile inflation stays up; UST 10yr at 4.47%; gold down and oil up; NZ$1 = 59.3 USc; TWI-5 = 67.2
A review of things you need to know before you sign off on Thursday; monthly data points to an elevated Q2 CPI, housing market in winter doldrums, high demand for NZGBs, NZX50 shines, swaps stable, NZD soft, & more
17th Jul 25, 3:59pm
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A review of things you need to know before you sign off on Thursday; monthly data points to an elevated Q2 CPI, housing market in winter doldrums, high demand for NZGBs, NZX50 shines, swaps stable, NZD soft, & more
US data mixed and lackluster; Canadian housing data good but wealth disparity widens; Indonesia cuts; eyes on Australian labour market; UST 10yr at 4.46%; gold up and oil unchanged; NZ$1 = 59.5 USc; TWI-5 = 67.2
17th Jul 25, 7:19am
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US data mixed and lackluster; Canadian housing data good but wealth disparity widens; Indonesia cuts; eyes on Australian labour market; UST 10yr at 4.46%; gold up and oil unchanged; NZ$1 = 59.5 USc; TWI-5 = 67.2
A review of things you need to know before you sign off on Wednesday; no retail rate changes, construction's spare capacity problem, dairy prices rise, EA tackles power prices, swaps stable, NZD softish, & more
16th Jul 25, 3:59pm
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A review of things you need to know before you sign off on Wednesday; no retail rate changes, construction's spare capacity problem, dairy prices rise, EA tackles power prices, swaps stable, NZD softish, & more
Dairy prices rise; US inflation rises; Canada inflation modest; India exports soft; China growth on target, but house prices still falling; Aussie sentiment firms; UST 10yr at 4.49%; gold and oil lower; NZ$1 = 59.4 USc; TWI-5 = 67.4
16th Jul 25, 7:20am
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Dairy prices rise; US inflation rises; Canada inflation modest; India exports soft; China growth on target, but house prices still falling; Aussie sentiment firms; UST 10yr at 4.49%; gold and oil lower; NZ$1 = 59.4 USc; TWI-5 = 67.4
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
15th Jul 25, 3:59pm
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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
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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
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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
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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
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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
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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
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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
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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
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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