David Hargreaves

As long as interest rates don't rise appreciably, our housing market should be fine. Probably. But inflation is the wild card. Potentially very wild

As long as interest rates don't rise appreciably, our housing market should be fine. Probably. But inflation is the wild card. Potentially very wild

A report into management of the wage subsidy scheme has recommended that the organisations managing it conduct a review to 'properly evaluate it' for potential future purposes

A report into management of the wage subsidy scheme has recommended that the organisations managing it conduct a review to 'properly evaluate it' for potential future purposes

Credit bureau Centrix says there's been a 10% increase in the number of households in hardship since the end of the Reserve Bank's mortgage deferral scheme

Credit bureau Centrix says there's been a 10% increase in the number of households in hardship since the end of the Reserve Bank's mortgage deferral scheme

BNZ economists see inflation getting close to 3% by the end of the year and say it will take a 'determinedly dovish' RBNZ to 'look through' the rise

BNZ economists see inflation getting close to 3% by the end of the year and say it will take a 'determinedly dovish' RBNZ to 'look through' the rise

Credit firm Equifax says the surge in mortgage activity by the big banks has driven a more than 100% rise in credit inquiries

Credit firm Equifax says the surge in mortgage activity by the big banks has driven a more than 100% rise in credit inquiries

One time glamour stock a2 Milk Company has announced massive stock write-offs for the year of over $100 mln and slashed its earnings guidance

One time glamour stock a2 Milk Company has announced massive stock write-offs for the year of over $100 mln and slashed its earnings guidance

ANZ economists say the strains in the economy are starting to show as the economy tries to grow faster than it physically can, given shortages of both goods and labour

ANZ economists say the strains in the economy are starting to show as the economy tries to grow faster than it physically can, given shortages of both goods and labour

According to the Reserve Bank it now takes over 220% of median disposable household income to fund a 20% deposit on a house

According to the Reserve Bank it now takes over 220% of median disposable household income to fund a 20% deposit on a house

Fonterra launches consultation on capital restructure proposals that appear to close the door on any non-farmer investment in the co-operative

Fonterra launches consultation on capital restructure proposals that appear to close the door on any non-farmer investment in the co-operative

New figures from the RBNZ show that up to 71% of the money being borrowed each month recently by investors for houses has been done on high debt to income ratios

New figures from the RBNZ show that up to 71% of the money being borrowed each month recently by investors for houses has been done on high debt to income ratios

Statistics New Zealand says the unemployment rate dropped to 4.7% in the March quarter from 4.9% in December - beating market expectations

Statistics New Zealand says the unemployment rate dropped to 4.7% in the March quarter from 4.9% in December - beating market expectations

Giant dairy co-operative Fonterra is to launch what it terms a 'comprehensive consultation process' to seek feedback from its farmer shareholders on options for changing its capital structure

Giant dairy co-operative Fonterra is to launch what it terms a 'comprehensive consultation process' to seek feedback from its farmer shareholders on options for changing its capital structure

Investors accounted for over a third of the growth in the country's bank mortgage stock in the six months to the end of March; meanwhile, on the farm, dairy lending is falling fast

Investors accounted for over a third of the growth in the country's bank mortgage stock in the six months to the end of March; meanwhile, on the farm, dairy lending is falling fast

Economists are seeing little change in the unemployment rate when official statistics are released this week

Economists are seeing little change in the unemployment rate when official statistics are released this week

David Hargreaves looks at the all-night mortgage borrowing bender Kiwis are going on while lending to 'productive' parts of the economy withers

David Hargreaves looks at the all-night mortgage borrowing bender Kiwis are going on while lending to 'productive' parts of the economy withers

Kiwis have again been borrowing up large, with nearly $10.5 billion loaned by the banks in the past month for mortgages; first home buyers borrowed a record amount; investors borrowed close to record levels

Kiwis have again been borrowing up large, with nearly $10.5 billion loaned by the banks in the past month for mortgages; first home buyers borrowed a record amount; investors borrowed close to record levels

In the latest ANZ Business Outlook Survey, ANZ's economists say the notion that the RBNZ 'might be overcooking things' may well gain some traction in the months ahead

In the latest ANZ Business Outlook Survey, ANZ's economists say the notion that the RBNZ 'might be overcooking things' may well gain some traction in the months ahead

New guidelines issued by the RBNZ aimed at providing 'over-arching framework' for the governance and management of cyber risk among the financial sector

New guidelines issued by the RBNZ aimed at providing 'over-arching framework' for the governance and management of cyber risk among the financial sector

David Hargreaves doesn't see anything to be too fearful of in the moves by Finance Minister Grant Robertson to get more hands-on with the Reserve Bank's lending restrictions

David Hargreaves doesn't see anything to be too fearful of in the moves by Finance Minister Grant Robertson to get more hands-on with the Reserve Bank's lending restrictions

BNZ economists describe Govt plans to influence bank lending as a "surprise" but say judgement will have to wait until further details are revealed

BNZ economists describe Govt plans to influence bank lending as a "surprise" but say judgement will have to wait until further details are revealed

Westpac economists see buoyant dairy prices flowing through next season and have hiked their milk price forecast for next year by 75c to $8 per kilogram of milk solids

Westpac economists see buoyant dairy prices flowing through next season and have hiked their milk price forecast for next year by 75c to $8 per kilogram of milk solids

ANZ economists say after the recent housing policy changes by the Government there's a greater chance that interest rate increases could cause investors to sell up; RBNZ may wait too long to raise rates

ANZ economists say after the recent housing policy changes by the Government there's a greater chance that interest rate increases could cause investors to sell up; RBNZ may wait too long to raise rates

Statistics New Zealand says the Consumers Price Index rose 0.8% in the March quarter, giving annual inflation of 1.5%; result in line with market forecasts, though lower than the Reserve Bank expected

Statistics New Zealand says the Consumers Price Index rose 0.8% in the March quarter, giving annual inflation of 1.5%; result in line with market forecasts, though lower than the Reserve Bank expected

Financial Markets Authority says advertising returns for the 12-month period to March 2021 could mislead investors - as it shows none of the severe February-March selloff in the markets last year but all of the subsequent recovery

Financial Markets Authority says advertising returns for the 12-month period to March 2021 could mislead investors - as it shows none of the severe February-March selloff in the markets last year but all of the subsequent recovery

Kiwibank economists say housing supply should be able to meet demand by 2024 and we could even see an over-supply, leading to improved affordability; house price growth to fall to 1% by end of 2022

Kiwibank economists say housing supply should be able to meet demand by 2024 and we could even see an over-supply, leading to improved affordability; house price growth to fall to 1% by end of 2022