David Chaston

Lifetime Home releases its long-signaled alternative to a reverse equity mortgage, one that pays out an income fortnightly in return for giving up an equity share in the home

Lifetime Home releases its long-signaled alternative to a reverse equity mortgage, one that pays out an income fortnightly in return for giving up an equity share in the home

Changed interest rate track threatens US REITs; Japanese 10yr bond yields top 1%; Taiwan sentiment rises; China profits stay low; UST 10yr 4.46%; gold and oil up; NZ$1 = 61.5 USc; TWI-5 = 70.7

Changed interest rate track threatens US REITs; Japanese 10yr bond yields top 1%; Taiwan sentiment rises; China profits stay low; UST 10yr 4.46%; gold and oil up; NZ$1 = 61.5 USc; TWI-5 = 70.7

Unlike other recent Reserve Bank no-change OCR events, the latest one has brought rising wholesale rate pricing, more in line with what happened when the OCR was increased

Unlike other recent Reserve Bank no-change OCR events, the latest one has brought rising wholesale rate pricing, more in line with what happened when the OCR was increased

A review of things you need to know before you sign off on Monday; some rate changes, Co-op Bank profit up, NIMs stay up, and profits hold, China profits soft, swaps stable, NZD holds, & more

A review of things you need to know before you sign off on Monday; some rate changes, Co-op Bank profit up, NIMs stay up, and profits hold, China profits soft, swaps stable, NZD holds, & more

Eyes on India election; China foreign direct investment tanks; Japanese inflation eases; Singapore's factories recover; US factory orders rise impressively; UST 10yr 4.47%; gold and oil slip; NZ$1 = 61.2 USc; TWI-5 = 70.6

Eyes on India election; China foreign direct investment tanks; Japanese inflation eases; Singapore's factories recover; US factory orders rise impressively; UST 10yr 4.47%; gold and oil slip; NZ$1 = 61.2 USc; TWI-5 = 70.6

Two banks reverse the down-trend and offer higher nine and 12 month term deposit rates. But Westpac cuts back

Two banks reverse the down-trend and offer higher nine and 12 month term deposit rates. But Westpac cuts back

US durable goods orders rise impressively; Canada retail up; Japan CPI eases; China's FDI virtually stalls; China get rush out of bank deposits; UST 10yr 4.46%; gold down and oil up; NZ$1 = 61.2 USc; TWI-5 = 70.6

US durable goods orders rise impressively; Canada retail up; Japan CPI eases; China's FDI virtually stalls; China get rush out of bank deposits; UST 10yr 4.46%; gold down and oil up; NZ$1 = 61.2 USc; TWI-5 = 70.6

A review of things you need to know before you sign off on Friday; new high TD rate, affordability for FHBs improves, consumer sentiment improves slightly, April trade surplus halves, swaps up again, NZD holds, & more

A review of things you need to know before you sign off on Friday; new high TD rate, affordability for FHBs improves, consumer sentiment improves slightly, April trade surplus halves, swaps up again, NZD holds, & more

US data strong; India and Taiwan also rising; China 'punishes' Taiwan; EU gains momentum; Aussie inflation expectations ease; freight rates from China leap; UST 10yr 4.48%; gold and oil slip again; NZ$1 = 61 USc; TWI-5 = 70.4

US data strong; India and Taiwan also rising; China 'punishes' Taiwan; EU gains momentum; Aussie inflation expectations ease; freight rates from China leap; UST 10yr 4.48%; gold and oil slip again; NZ$1 = 61 USc; TWI-5 = 70.4

A review of things you need to know before you sign off on Thursday; again no retail rate changes, retail sales weak. NZGB tenders successful, alcohol consumption eases, swaps up again, NZD eases, & more

A review of things you need to know before you sign off on Thursday; again no retail rate changes, retail sales weak. NZGB tenders successful, alcohol consumption eases, swaps up again, NZD eases, & more

US Fed minutes show unease at inflation-fighting progress; Japanese machinery orders strong; China excavator sales weak; UK CPI slips; UST 10yr 4.43%; gold and oil slips again; NZ$1 = 61 USc; TWI-5 = 70.3

US Fed minutes show unease at inflation-fighting progress; Japanese machinery orders strong; China excavator sales weak; UK CPI slips; UST 10yr 4.43%; gold and oil slips again; NZ$1 = 61 USc; TWI-5 = 70.3

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