David Chaston

A review of things you need to know before you sign off on Wednesday; RBNZ hawkish, First Home grant killed off, work visa arrivals stay high, dairy prices rise, swaps rise, NZD rises, & more

A review of things you need to know before you sign off on Wednesday; RBNZ hawkish, First Home grant killed off, work visa arrivals stay high, dairy prices rise, swaps rise, NZD rises, & more

Dairy prices rise again; US retail growth stays very positive; Canada inflation eases; Aussie consumer sentiment stays low; eyes on RBNZ; UST 10yr 4.42%; gold and oil slips; NZ$1 = 60.9 USc; TWI-5 = 70.1

Dairy prices rise again; US retail growth stays very positive; Canada inflation eases; Aussie consumer sentiment stays low; eyes on RBNZ; UST 10yr 4.42%; gold and oil slips; NZ$1 = 60.9 USc; TWI-5 = 70.1

A review of things you need to know before you sign off on Tuesday; no retail rate changes, job ads soft, carbon price sinks, credit card billings weak, swaps firmish, NZD softish, & more

A review of things you need to know before you sign off on Tuesday; no retail rate changes, job ads soft, carbon price sinks, credit card billings weak, swaps firmish, NZD softish, & more

China leaves key rates unchanged but markets not convinced on property sector actions; some commodities jump; Taiwan export orders rise; UST 10yr 4.44%; gold up again; oil slips; NZ$1 = 61.1 USc; TWI-5 = 70.2

China leaves key rates unchanged but markets not convinced on property sector actions; some commodities jump; Taiwan export orders rise; UST 10yr 4.44%; gold up again; oil slips; NZ$1 = 61.1 USc; TWI-5 = 70.2

A review of things you need to know before you sign off on Monday; rents inflationary, perceptions of inflation, consumer data right law progressed, big 'refresh' at Kāinga Ora, swaps and NZD stable, & more

A review of things you need to know before you sign off on Monday; rents inflationary, perceptions of inflation, consumer data right law progressed, big 'refresh' at Kāinga Ora, swaps and NZD stable, & more

US corporate earnings strong; China retail soft; China starts huge housing rescue; India growth to extend; UST 10yr 4.42%; gold eases slightly; oil stays up; NZ$1 = 61.4 USc; TWI-5 = 70.4

US corporate earnings strong; China retail soft; China starts huge housing rescue; India growth to extend; UST 10yr 4.42%; gold eases slightly; oil stays up; NZ$1 = 61.4 USc; TWI-5 = 70.4

China data mixed; China goes all-in on housing rescue; UN sees India rising; EU inflation eases; nickel price jumps; SkyCity hit less than expected; UST 10yr 4.42%; gold at ATH and oil up; NZ$1 = 61.4 USc; TWI-5 = 70.4

China data mixed; China goes all-in on housing rescue; UN sees India rising; EU inflation eases; nickel price jumps; SkyCity hit less than expected; UST 10yr 4.42%; gold at ATH and oil up; NZ$1 = 61.4 USc; TWI-5 = 70.4

A review of things you need to know before you sign off on Friday; PPI's underpin inflation, Stobo to the FMA, S&P explains its Watercare position, swaps firmish, NZD on hold, & more

A review of things you need to know before you sign off on Friday; PPI's underpin inflation, Stobo to the FMA, S&P explains its Watercare position, swaps firmish, NZD on hold, & more

China mulls full property sector rescue; US data stable with upside suggestions; ECB says risks being ignored; copper at ATH; freight rates up again; UST 10yr 4.38%; gold down and oil up; NZ$1 = 61.2 USc; TWI-5 = 70.2

China mulls full property sector rescue; US data stable with upside suggestions; ECB says risks being ignored; copper at ATH; freight rates up again; UST 10yr 4.38%; gold down and oil up; NZ$1 = 61.2 USc; TWI-5 = 70.2

David Chaston looks at the rise and rise of mortgage broking in New Zealand, which is now a dominant force in controlling home loan origination activity

David Chaston looks at the rise and rise of mortgage broking in New Zealand, which is now a dominant force in controlling home loan origination activity

A review of things you need to know before you sign off on Thursday; more mortgage cuts but a reverse mortgage rate hike, Fonterra speeds its transition, farm wallets shut, swaps ease, NZD rises, & more

A review of things you need to know before you sign off on Thursday; more mortgage cuts but a reverse mortgage rate hike, Fonterra speeds its transition, farm wallets shut, swaps ease, NZD rises, & more

While most borrowers are focused on 6 and 12 month fixed mortgage rates, there is suddenly more competition among banks at the three year fixed rate level. It might make sense to consider that option

While most borrowers are focused on 6 and 12 month fixed mortgage rates, there is suddenly more competition among banks at the three year fixed rate level. It might make sense to consider that option

No surprises from April US CPI; US retail soft; Indian exports weak; EU economic indicators pick up; Aussie pay growth slips; UST 10yr 4.36%; gold and oil up; NZ$1 = 61.3 USc; TWI-5 = 70.2

No surprises from April US CPI; US retail soft; Indian exports weak; EU economic indicators pick up; Aussie pay growth slips; UST 10yr 4.36%; gold and oil up; NZ$1 = 61.3 USc; TWI-5 = 70.2

A review of things you need to know before you sign off on Wednesday; some small retail changes, big population rise, more offices to be built, tough household spending patterns, swaps stable, NZD firm, & more

A review of things you need to know before you sign off on Wednesday; some small retail changes, big population rise, more offices to be built, tough household spending patterns, swaps stable, NZD firm, & more

US sentiment and data better, Powell sings same tune; China sees insurance company stress; German sentiment up; Australia gets a pre-election budget; UST 10yr 4.45%; gold up and oil weaker; NZ$1 = 60.3 USc; TWI-5 = 69.6

US sentiment and data better, Powell sings same tune; China sees insurance company stress; German sentiment up; Australia gets a pre-election budget; UST 10yr 4.45%; gold up and oil weaker; NZ$1 = 60.3 USc; TWI-5 = 69.6

Mortgage brokers probably earned about $400m in the March year, up 17% year-on-year, as they gain a significantly larger share of home loan transactions

Mortgage brokers probably earned about $400m in the March year, up 17% year-on-year, as they gain a significantly larger share of home loan transactions

A review of things you need to know before you sign off on Tuesday; BNZ falls into line, housing data 'cold', retail slump extends, population mix changes fast, passports issued slow, swaps & NZD on hold, & more

A review of things you need to know before you sign off on Tuesday; BNZ falls into line, housing data 'cold', retail slump extends, population mix changes fast, passports issued slow, swaps & NZD on hold, & more

With the shift lower by the last major Aussie bank now complete, we look at whether it is better to take the new lower short home loan rates, or go for the much lower longer term rates

With the shift lower by the last major Aussie bank now complete, we look at whether it is better to take the new lower short home loan rates, or go for the much lower longer term rates

US inflation expectations rise; India inflation stable but high; China lubricates its funding for a new stimulus push; Aussie sentiment stable; copper price jumps; UST 10yr 4.49%; gold down and oil firm; NZ$1 = 60.2 USc; TWI-5 = 69.5

US inflation expectations rise; India inflation stable but high; China lubricates its funding for a new stimulus push; Aussie sentiment stable; copper price jumps; UST 10yr 4.49%; gold down and oil firm; NZ$1 = 60.2 USc; TWI-5 = 69.5

A review of things you need to know before you sign off on Monday; Kiwibank & Westpac cut retail rates, auctions slow, food not pressing inflation, services contracting, expectations ease, swaps & NZD stable

A review of things you need to know before you sign off on Monday; Kiwibank & Westpac cut retail rates, auctions slow, food not pressing inflation, services contracting, expectations ease, swaps & NZD stable

Kiwibank takes its carded one year home loan rate below 7%, the first time any main bank has offered a rate that low for that term in 10 months, cuts key term deposit rates at the same time

Kiwibank takes its carded one year home loan rate below 7%, the first time any main bank has offered a rate that low for that term in 10 months, cuts key term deposit rates at the same time

Chinese data lackluster; US sentiment slips; Canada jobs rise; Indian industrial production up; Australia targets social housing fix; UST 10yr 4.50%; gold up and oil down; NZ$1 = 60.2 USc; TWI-5 = 69.6

Chinese data lackluster; US sentiment slips; Canada jobs rise; Indian industrial production up; Australia targets social housing fix; UST 10yr 4.50%; gold up and oil down; NZ$1 = 60.2 USc; TWI-5 = 69.6

US sentiment slips but still in rising trend; Canada jobs rise; India industrial production up; China FDI growth slows fast; Australia targets social housing fix; UST 10yr 4.50%; gold up and oil down; NZ$1 = 60.2 USc; TWI-5 = 69.6

US sentiment slips but still in rising trend; Canada jobs rise; India industrial production up; China FDI growth slows fast; Australia targets social housing fix; UST 10yr 4.50%; gold up and oil down; NZ$1 = 60.2 USc; TWI-5 = 69.6

A review of things you need to know before you sign off on Friday; Westpac next to cut some rates, but raise one TD rate, PMI better but not good, job ads retreat, swaps stable, NZD holds, & more

A review of things you need to know before you sign off on Friday; Westpac next to cut some rates, but raise one TD rate, PMI better but not good, job ads retreat, swaps stable, NZD holds, & more

Westpac follows two rivals with some matching rate cuts, but goes lower with a three year home loan rate. And it offers savers a higher nine month term deposit rate

Westpac follows two rivals with some matching rate cuts, but goes lower with a three year home loan rate. And it offers savers a higher nine month term deposit rate