Why is it so hard to predict interest rates?
There is increasing speculation in the media that interest rates will start to fall in the not-too-distant future. To separate the fact...
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New Debt-To-Income Ratios
What you need to Know The Reserve Bank will introduce debt-to-income ratios from 1 July 2024. I previously discussed this in my January...
Inflation down, new DTI and LVR easing
Now that we have all had a good break and the kids are going back to school, I thought I would update you on some interesting...
Things to watch in 2024
As 2023 draws to a close, reflecting on the weather events, inflation and enduring an election, it’s fair to say 2023 was not a great...
Has the Tide Turned on Housing Affordability
Last week the Reserve Bank decided to hold the Official Cash Rate (OCR) at 5.50% rather than increasing it, citing these factors - demand...
Has Inflation Peaked? Well, yes but what will happen next?
Last week the Reserve Bank kept its official cash rate on hold at 5.50%, after a dozen consecutive hikes which confirms the RBNZ’s long...
How do Banks set Interest Rates
The Reserve Bank of New Zealand (RBNZ) has now raised the Official Cash Rate (OCR) to 5.25% which is the 11th consecutive increase since...
Has Inflation Peaked?
Its official, inflation in NZ is at its highest level in over three decades at an annual rate of 7.30% according to the latest Consumer...
Why is the Reserve Bank Raising Interest Rates?
Why is the Reserve Bank raising interest rates? The short answer is to get inflation down! Imagine trying to throw a dart at a dart board...
Are we in an age of Inflation?
Are we in an age of inflation? Anybody younger than 40 will have had little, if any experience of inflation. Going to the supermarket to...
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