David Hargreaves

ANZ chief economist Sharon Zollner now expects the Reserve Bank to cut interest rates three times before the end of 2019 to combat a global and domestic environment 'turning sour'

ANZ chief economist Sharon Zollner now expects the Reserve Bank to cut interest rates three times before the end of 2019 to combat a global and domestic environment 'turning sour'

NZIER's 'shadow board' of experts commenting on the Official Cash Rate is throwing up increasing doubts about the effectiveness of continuing to push interest rates down

NZIER's 'shadow board' of experts commenting on the Official Cash Rate is throwing up increasing doubts about the effectiveness of continuing to push interest rates down

Kiwibank economists are now predicting a 'terminal' Official Cash Rate by next year of 0.75%, but also put some possibility on the rate going to 0.5%

Kiwibank economists are now predicting a 'terminal' Official Cash Rate by next year of 0.75%, but also put some possibility on the rate going to 0.5%

With interest rates down and seemingly heading ever lower, David Hargreaves ponders how long the remarkable restraint being shown by the New Zealand public will last for

With interest rates down and seemingly heading ever lower, David Hargreaves ponders how long the remarkable restraint being shown by the New Zealand public will last for

Latest Reserve Bank figures show that annual mortgage growth has slowed for the first time since last November

Latest Reserve Bank figures show that annual mortgage growth has slowed for the first time since last November

ANZ Business Outlook Survey shows the worst sentiment in the construction sector since 2009, while overall business confidence has sagged again and more firms are expecting to cut staff

ANZ Business Outlook Survey shows the worst sentiment in the construction sector since 2009, while overall business confidence has sagged again and more firms are expecting to cut staff

New research finds the composition of migrants has no influence on house prices, but New Zealanders moving tends to push prices up more

New research finds the composition of migrants has no influence on house prices, but New Zealanders moving tends to push prices up more

BNZ chief economist Tony Alexander has crunched the data and declares that the Govt decision to can any Capital Gains Tax has not reignited investor interest in house buying

BNZ chief economist Tony Alexander has crunched the data and declares that the Govt decision to can any Capital Gains Tax has not reignited investor interest in house buying

P2P lender Squirrel Money has reported smaller losses after significantly reducing its marketing spend

P2P lender Squirrel Money has reported smaller losses after significantly reducing its marketing spend

Westpac economists change their call and now see two further cuts to the OCR this year - but they say even three cuts would be a possibility; house price rises may be even more than Westpac has forecast

Westpac economists change their call and now see two further cuts to the OCR this year - but they say even three cuts would be a possibility; house price rises may be even more than Westpac has forecast

In June the first home buyers borrowed the smallest amount for this grouping since February, while their share of the total borrowed dropped from the previous month's high

In June the first home buyers borrowed the smallest amount for this grouping since February, while their share of the total borrowed dropped from the previous month's high

Westpac NZ has made one of this country's largest ever non-government debt issues, raising NZ$900 mln for an offer that was notionally seeking NZ$100 mln

Westpac NZ has made one of this country's largest ever non-government debt issues, raising NZ$900 mln for an offer that was notionally seeking NZ$100 mln

Online lender Harmoney reports an after-tax gain of $7.22 million and vastly increased assets; still seeking new share capital

Online lender Harmoney reports an after-tax gain of $7.22 million and vastly increased assets; still seeking new share capital

BNZ chief economist Tony Alexander crunches the reasons why he believes it is not valid to assume recent declines in Australian house prices will translate to similar falls here

BNZ chief economist Tony Alexander crunches the reasons why he believes it is not valid to assume recent declines in Australian house prices will translate to similar falls here

A review of things you need to know before you go home on Monday; Mortgage and term deposit rate changes as BNZ goes low, there's a new IRD scam in town, Westpac NZ looks for $100+ mln, swaps drop, and dollar firms

A review of things you need to know before you go home on Monday; Mortgage and term deposit rate changes as BNZ goes low, there's a new IRD scam in town, Westpac NZ looks for $100+ mln, swaps drop, and dollar firms

Reserve Bank says an insurance sector prudential dashboard 'will incur some costs on the industry' and may take several years

Reserve Bank says an insurance sector prudential dashboard 'will incur some costs on the industry' and may take several years

Kiwibank economists say despite the residential construction boom the country is still falling short of what it needs to build; further short term weakness seen in Auckland house prices, however

Kiwibank economists say despite the residential construction boom the country is still falling short of what it needs to build; further short term weakness seen in Auckland house prices, however

Fitch Ratings affirms the AA- ratings of ANZ and Westpac but warns both they and their NZ subsidiaries might see a weakening in earnings relative to their peers

Fitch Ratings affirms the AA- ratings of ANZ and Westpac but warns both they and their NZ subsidiaries might see a weakening in earnings relative to their peers

Aotea Finance will pay thousands of customers after a settlement with the Commerce Commission due to credit contracts not including all the key information required under the Credit Contracts and Consumer Finance Act 2003

Aotea Finance will pay thousands of customers after a settlement with the Commerce Commission due to credit contracts not including all the key information required under the Credit Contracts and Consumer Finance Act 2003

David Hargreaves wonders if the push-back, particularly by the Big Four Aussie banks, against the RBNZ's capital proposals may ultimately prove to be counter-productive

David Hargreaves wonders if the push-back, particularly by the Big Four Aussie banks, against the RBNZ's capital proposals may ultimately prove to be counter-productive

Department of Internal Affairs says Regus Management has failed to meet requirements under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009

Department of Internal Affairs says Regus Management has failed to meet requirements under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009

David Hargreaves says the Government needs to take a hard look at the growing usage of Kiwisaver to fund deposits for houses - and the risks that this carries

David Hargreaves says the Government needs to take a hard look at the growing usage of Kiwisaver to fund deposits for houses - and the risks that this carries

The Financial Markets Authority says filing of legal action against ANZ by RAM investors is the 'right result'

The Financial Markets Authority says filing of legal action against ANZ by RAM investors is the 'right result'

APRA will make each of ANZ, National Australia Bank and Westpac hold an extra A$500 mln 'to reflect higher operational risk identified in their risk governance self-assessments'

APRA will make each of ANZ, National Australia Bank and Westpac hold an extra A$500 mln 'to reflect higher operational risk identified in their risk governance self-assessments'

KPMG's head of banking and finance John Kensington wonders whether the growing trend of young Kiwis using Kiwisaver for a home deposit is just 'pushing the problem of retirement affordability down the track' for future generations

KPMG's head of banking and finance John Kensington wonders whether the growing trend of young Kiwis using Kiwisaver for a home deposit is just 'pushing the problem of retirement affordability down the track' for future generations