Articles tagged with 'Lending'

Help to borrowers in financial difficulty outlined

19 September 2023 - The FMA and Commerce Commission have given lenders a steer on how to help customers in financial difficulty.

Unsecured SME loans the future new player says

15 September 2023 - Unsecured loans are the way of the future for small businesses, Lend Capital co-founder Bill Baker says.

New mortgage lending rises after plunge

11 July 2022 - After plunging in April, new mortgage lending rose 20.4%, up $1.2 billion to $6.8b in May.

Centrix reports further falls in lending

1 June 2022 - Credit reporting agency Centrix says the pressure of inflation is continuing to cause lending levels to drop.

Lending on new mortgages plummets

27 May 2022 - Mortgage lending to investors fell sharply last month as the housing market takes a nosedive, the latest Reserve Bank figures show.

Mortgage rates expected to be at 4% plus within a year

1 October 2021 - ASB economists expect mortgage interest rates to be at just over 4% in a year.

Advisers angered by new BNZ pricing conditions

24 September 2021 - BNZ has introduced new pricing conditions for the broker channel and will no longer guarantee mortgage rate offers during their five day validity period.

Co-op rate increases; Smaller hikes to follow next month; Full licensing latest

23 September 2021 - The Co-operative is the latest bank to increase pricing on six month to five year terms today. Its one year special goes to 2.85%, level with ASB and Westpac...

October rate increases to follow recent moves

23 September 2021 - Banks are poised to raise interest rates further next month despite a wave of increases in recent weeks.

CCCFA an opportunity for advisers

21 September 2021 - Mortgage advisers will benefit from CCCFA lending changes as borrowers seek help with complex home loan applications, according to Squirrel's John Bolton.

Borrowers abandon one year rates

21 September 2021 - Borrowers are less likely to pick one-year fixed mortgages ahead of expected rate increases, with three-year deals becoming more popular, according to a new survey.

Westpac and BNZ follow with lockdown rate hikes

20 September 2021 - Westpac and BNZ are the latest big banks to make significant mortgage rate increases, hiking prices by up to 30 basis points: [READ ON] Rates are changing...

Westpac and BNZ follow with lockdown rate hikes

20 September 2021 - Westpac and BNZ are the latest big banks to make significant mortgage rate increases, hiking prices by up to 30 basis points.

Hardship clients face credit issues

17 September 2021 - Clients making mortgage deferral requests during lockdown have been told their hardship status will affect their credit rating, according to an Auckland-based adviser.

Prospa raises A$200 million for business lending

16 September 2021 - Non-bank lender Prospa has raised $200 million for SME lending on both sides of the Tasman as it capitalises on major banks retrenching from the market.

Mortgage rates have hit low point; TSB hikes; Nest Home Loans hires

15 September 2021 - Mortgage rates have hit their low point in this cycle and the next move is up despite the latest Covid outbreak, say ASB economists: [READ ON] TSB is...

Mortgage rates have troughed: ASB

15 September 2021 - Mortgage rates have hit their low point in this cycle and the next move is up despite the latest Covid outbreak, say ASB economists.

New names at Nest Home Loans

15 September 2021 - Nest Home Loans has hired five new faces in Hamilton as it continues to grow its footprint in the Waikato.

Kiwibank and SBS rate hikes; CCCFA changes pushed back to December

13 September 2021 - Both Kiwibank and SBS Bank have raised mortgage across one to five-year terms. Take a look at our rates table for the latest. Big news from late Friday...

Special mortgage rates flat in August

8 September 2021 - Special mortgage rates held steady in August following a significant increase between June to July, according to new Reserve Bank data.

ASB to honour pricing in level four; Westpac and Kainga Ora rate hikes

7 September 2021 - ASB has promised to honour pricing for home loan customers unable to settle during alert level four, after advisers claimed the bank had forced some borrowers...

ASB to honour pricing during alert level four

7 September 2021 - ASB has promised to honour pricing for home loan customers unable to settle during alert level four, after advisers claimed the bank had forced some borrowers to reapply.

Lockdown turmoil for ASB customers; Tighter LVR restrictions for owner-occupiers

6 September 2021 - ASB customers unable to settle their home purchase during lockdown have been forced to re-apply for mortgages, as the bank declines extensions on agreed...

Lockdown issues hit home loans

6 September 2021 - Customers unable to settle their home purchase during lockdown have been forced to re-apply for mortgages, according to advisers, as Covid restrictions impact the market.

Resimac increases NZ adviser business; ASB hikes longer term loans

2 September 2021 - Resimac has had a bumper year in New Zealand seeing its settlements increase by 81% to $434 million in the financial year to June 30: [READ ON] Some rate...

Fears over extended lockdown

31 August 2021 - Activity continues unabated for most mortgage advisers during lockdown, but there are fears business could slow in the coming months if Covid restrictions continue.

When borrowers feel the pinch; Record rent increases

31 August 2021 - Research from the Reserve Bank has found that borrowers feel the biggest hit from official cash rate increases six months later: [READ ON] Nationwide...

Kiwi Adviser Network passes 100 adviser mark

30 August 2021 - New aggregator group Kiwi Adviser Network has reached the 100 adviser mark as it targets brokers who want their own FAP license: [READ ON] ...

CCCFA changes: what advisers need to know

27 August 2021 - Changes to the Credit Contracts and Consumer Finance Act are set to impact borrowers from October 1. Here's what the amended lending rules will mean...

CCCFA changes: What advisers need to know

27 August 2021 - Changes to the Credit Contracts and Consumer Finance Act are set to impact borrowers from October 1. Here's what the amended lending rules will mean for clients.

Kiwibank mortgages up 11% as profit doubles

26 August 2021 - Kiwibank has posted a post-tax profit of $126 million for the year to June, helped by an 11% increase in its mortgage lending book.

Kiwibank profits double, mortgage book up 11%

26 August 2021 - Kiwibank doubled profits and saw its mortgage book grow by 11% last year. Chief executive Steve Jurkovich says the bank wants to expand its reach by working...

Reserve Bank predicts fall in house prices; Eyes on October rate hike

19 August 2021 - The Reserve Bank has predicted that house price will fall from the third quarter of next year: [READ ON] The focus has now shifted to October's OCR...

ANZ hikes rates ahead of RBNZ decision

17 August 2021 - ANZ has raised its fixed home loan rates by between 10 and 30 basis points ahead of the Reserve Bank's expected rate hike tomorrow.

OCR Preview Survey; Squirrel product receives 1000 applications

16 August 2021 - Economists believe the Reserve Bank will raise the official cash rate for the first time since 2014 this week. Here's the full consensus from TMM Online's...

Experienced advisers head to Kiwi Adviser Network

13 August 2021 - New aggregator Kiwi Adviser Network has secured the membership of two experienced ex-NZFSG advisers as it looks to take on the bigger groups in the market:...

ASB home lending jumps; Commercial real estate outlook

12 August 2021 - ASB's yearly profit has surged to a record $1.32 billion, aided by a 12% increase in home lending in the year to June: [READ ON] Being carbon neutral...

ASB profit up 40% as home lending soars

11 August 2021 - ASB's yearly profit has surged to a record $1.32 billion, aided by a 12% increase in home lending in the year to June.

Long-term mortgages becoming more attractive

10 August 2021 - Fixing long-term home loans could be a more attractive strategy for borrowers as the Reserve Bank plans sharp rate hikes, according to a new report.

TSB rate changes; Growing talk of 50 basis point OCR hike

10 August 2021 - TSB has raised its one year special to 2.55% and 2 year standard rate to 3.35%, while lowering its three year special to 3.15% and three year standard...

Outside odds of 50 basis point rate hike

9 August 2021 - Financial markets have priced in a 12% chance of a 50 basis point official cash rate hike next week, as the Reserve Bank makes its most highly anticipated decision in months.

Kiwibank hikes 2 year rate

9 August 2021 - Kiwibank has raised its 2 year mortgage to 2.79%, an increase of 30 basis points. It follows a short-lived 2-year offer at 2.49% as rivals increased their...

Vendor demands heighten risk for movers

4 August 2021 - Vendor demands for cash unconditional offers and auctions are forcing owner-occupiers to take on significant risks to move up the property ladder, according to advisers.

Valuation issues worsen

2 August 2021 - Bank demands for valuations are putting more pressure on advisers and clients as more deals require a valuation to get over the line.

SBS plans first home buyer product; Property market turning?

28 July 2021 - Challenger bank SBS Group is planning to launch a new loan product for first home buyers as market forces make getting on the property ladder more difficult:...

SBS plans new first home buyer product

28 July 2021 - Challenger bank SBS Group is planning to launch a new loan product for first home buyers as market forces make getting on the property ladder more difficult.

Clients switching to three-year terms

27 July 2021 - Mortgage adviser clients are choosing three-year fixed mortgages in anticipation of rising interest rates, according to a new survey.

Mortgage lending boom continues through June

26 July 2021 - The home lending market remains red hot months on from the Government's housing market reforms, with June lending surpassing $8.5 billion.

Prospa NZ business soars

26 July 2021 - SME lending specialist Prospa has recorded a surge in loan originations as more small businesses look to alternative lending channels.

Client concern over rising interest rates

21 July 2021 - Clients have raised concerns with advisers about the rising interest rate environment, with home loan rates expected to increase further over the rest...

Client concern over rate rises

20 July 2021 - Clients have raised concerns with advisers about the rising interest rate environment, with home loan rates expected to increase further over the rest of the year.

Higher rates look inevitable

20 July 2021 - Kiwibank economists have joined their peers in calling for an official cash rate increase next month as the economy displays signs of overheating: [READ...

Challenger banks hike rates; Small investors pull back

19 July 2021 - The Co-operative Bank and TSB have increased mortgage rates this morning in response to the big four and Kiwibank's rate hikes last week. Keep up...

Kiwibank cuts two-year rate, raises others

16 July 2021 - Kiwibank has slashed its two-year fixed mortgage by six basis points but has raised its variable rate, revolving credit rate, and 1,3,4, and 5 year terms.

Rate hikes: ANZ, BNZ and Westpac follow ASB

16 July 2021 - ANZ, BNZ and Westpac have followed ASB in hiking short and long-term mortgage rates as home loans move up from record lows.

OCR reaction: higher interest rates expected

14 July 2021 - Economists predict the Reserve Bank will soon opt to lift the official cash rate as inflationary pressures grow.

ASB rate hikes across the board; Pepper's Milburn steps down

14 July 2021 - Big news this morning. ASB has become the first major bank to hike interest rates across the board as New Zealand's economic outlook improves: [READ...

Mortgage strategy dilemma

9 July 2021 - Borrowers could be better off fixing low-cost short term mortgages and rolling them over a five year horizon, despite expectations of rising interest rates, according to ASB.

OCR hike tipped for November; Westpac chair retires

7 July 2021 - ASB economists predict the official cash rate will begin to rise from November, as the economy runs hot and inflationary pressures grow: [READ ON] Westpac...

BNZ and Westpac stay out of new build battle; Kinzett successor at FMT named

6 July 2021 - BNZ and Westpac have no plans to introduce cheap variable rate loans for new builds, despite their big four rivals launching aggressive offers in recent...

How SMEs can ease late payment pain to facilitate growth

5 July 2021 - As New Zealand continues to recover from the global pandemic, now is an opportune time for businesses to focus on growth, writes Apricity Finance: [READ...

ANZ eases apartment lending rules

1 July 2021 - ANZ has relaxed its rules for apartment lending as banks look to support higher density accommodation in New Zealand.

House price growth slows

1 July 2021 - House price inflation began to slow in June according to CoreLogic data, declining to 1.8% over the past month: [READ ON] ...

Housing price growth slows: CoreLogic

1 July 2021 - House price inflation began to slow in June according to CoreLogic data, declining to 1.8% over the past month.

ASB 1.79% offer surpasses $2 billion mark

30 June 2021 - ASB's "Back My Build" 1.79% variable rate has received more than $2 billion worth of loan applications since its launch last month.

Borrowers can handle higher interest rates: ASB

29 June 2021 - Kiwi households should be able to cope with rising interest rates but recent first home buyers could face a squeeze, according to ASB.

ANZ 1.68% new build rate shakes up market

28 June 2021 - ANZ has introduced the lowest mortgage rate in New Zealand, offering a 1.68% floating rate for new build homes.

Mortgage lending holds up in May

28 June 2021 - Mortgage borrowing hit $8.9 billion last month as investors, first home buyers, and other owner-occupiers remained active despite record house prices and new lending restrictions.

Mortgage growth drives record bank profits

23 June 2021 - Strong mortgage lending drove banking profits to record levels in the first three months of the year, according to a new report from KPMG.

Investor activity falls; Astute helps newcomers; ICBC rate changes

22 June 2021 - More than half of mortgage advisers reported a decrease in investor activity over the past month, according to a new survey from economist Tony Alexander:...

Investor activity falls

22 June 2021 - More than half of mortgage advisers reported a decrease in investor activity over the past month, according to a new survey from economist Tony Alexander.

Simplicity cuts floating rate to 1.9%

18 June 2021 - Default KiwiSaver provider Simplicity has slashed its variable rate mortgage to 1.9%, one of the lowest rates available in the market.

ANZ predicts OCR hike in February; ASB to repay $9m over break-fee blunder; Westpac rate cuts

18 June 2021 - ANZ economists predict the official cash rate will begin to rise in February, after the New Zealand economy roared back into life in the first quarter:...

ASB repays $9m over break-fee blunder

17 June 2021 - ASB has been censured by the Commerce Commission after over-charging break-fees to home loan customers.

Concern over DTI implementation; Co-operative Bank goes sub 2%

17 June 2021 - Advisers have raised concerns about how debt to income limits could be implemented as the Reserve Bank adds them to its regulatory armoury: [READ ON] Here's...

Adviser concern over DTI threat

17 June 2021 - Mortgage advisers have raised concerns about the implementation of debt-to-income limits after the Reserve Bank paved the way for their future use.

What DTI limits might look like

16 June 2021 - The Reserve Bank has added debt-to-income limits to its regulatory toolkit, and a recent memo from the central bank reveals the potential settings for the new rules if they come into effect.

DTIs move closer to reality; Prosper-MySolutions tie-up; BNZ rate changes

16 June 2021 - BREAKING NEWS: Debt-to-income limits on lending have moved a step closer to reality after the Reserve Bank added debt serviceability restrictions to its...

Debt-to-income limits move closer

16 June 2021 - Debt-to-income limits on lending have moved a step closer to reality after the Reserve Bank added debt serviceability restrictions to its policy toolkit.

Reserve Bank cools on interest-only limits

16 June 2021 - While the Reserve Bank has taken its first steps towards implementing debt-to-income limits, it has played down the chances of introducing interest-only lending limits.

Propser and mySolutions team up

16 June 2021 - Mortgage adviser group Prosper has formed an alliance with mySolutions as the two businesses look to share compliance and regulation resources.

Investors urged to lock in long term rates; TSB hikes long term rates

15 June 2021 - ANZ says mortgaged property investors would be wise to fix at least some of their borrowings at longer-term rates: [READ ON] The message comes as long-term...

Turnaround times slow to improve

14 June 2021 - The slight fall in mortgage lending activity in recent months has not yet translated to a meaningful improvement in turnaround times, according to advisers.

TSB cuts short term rates, raises 2 year: Reardon switches at Loan Market; Government reform latest

11 June 2021 - TSB has slashed its one year special to 2.19%, level with SBS, Kiwibank, HSBC and ANZ as one of the cheapest rates in the market. However, the bank's...

Short term rates continue to drop

8 June 2021 - New Zealand's biggest lenders continue to cut short term fixed rates despite the growing prospect of a higher official cash rate in 2022.

House price growth slows; Co-operative Bank boss to depart

2 June 2021 - House price growth has begun to slow following Government reforms to curb demand, according to new data from CoreLogic: [READ ON] David Cunningham, the...

Small businesses seek advice

1 June 2021 - Nearly one in three small business owners are on the lookout for a trusted adviser, according to a new survey from SME lender Prospa.

OCR projected to rise next year; mortgage lending falls in April

27 May 2021 - Signs that the market is about to change? The Reserve Bank has pencilled in a projection that the official cash rate could rise from next year,...

Mortgage lending falls in April

27 May 2021 - Mortgage lending fell by $2 billion month-on-month in April as the Government's housing reforms began to cool the market.

ASB launches 1.79% variable rate for new builds

17 May 2021 - ASB has launched a market-low 1.79% variable rate for new build homes, as the lender attempts to play its part in tackling the housing crisis.

Property market activity slows, prices up

14 May 2021 - The property market displayed the first signs of cooling last month, but prices continue to rise, according to the latest REINZ data: [READ ON] ...

First signs of a cooling housing market

13 May 2021 - The property market displayed the first signs of cooling last month, but prices continue to rise, according to the latest REINZ data.

Heartland launches 1.85% mortgage

12 May 2021 - Heartland Bank has slashed its one year fixed mortgage and sharpened its floating rates as the lender puts more pressure on the big four.

Mortgage hardships rise

12 May 2021 - Mortgage hardships are up 10% according to credit reporting firm Centrix, as the Covid pandemic continues to impact borrowers across New Zealand.

Construction sector overstretched

12 May 2021 - New build homes are exempt from the Government's new housing tax reforms, fuelling the demand for new properties. But the construction sector could...

ANZ tightens servicing for investors; New estate planning course

11 May 2021 - ANZ has tightened its affordability criteria for investor lending and will only count 65% of rental income when assessing home loans, marking the first...

SBS one-year rate down to near market lows

10 May 2021 - Downward pressure continues in the mortgage market – SBS Bank has slashed its one-year fixed home loan to 2.19%, the third lowest rate in New Zealand.

Reserve Bank's housing market fears

7 May 2021 - Recent entrants to the housing market are vulnerable to rising interest rates, and 5% home loans could swallow up 50% of new buyers' household income,...

Mortgage adviser share grows at ANZ; Co-op and TSB rate changes

6 May 2021 - ANZ has seen manic home loan volumes and mortgage advisers are accounting for a greater share of its business: [READ ON] More rate changes today. The...

Reserve Bank fires warning over risky mortgage lending

5 May 2021 - The Reserve Bank has warned that "a high proportion" of recent mortgage lending has had high debt-to-income and LVR ratios, making borrowers more vulnerable.

Home lending drives ANZ profit

5 May 2021 - ANZ New Zealand saw post-tax profits rise by 42% in the half-year to March, underpinned by a buoyant housing market and strong home lending book.

NZ banks in strong shape

5 May 2021 - New Zealand lenders bounced back from the pandemic to increase profits by 35.1% quarter-on-quarter in the three months to December.

Wait on interest-only lending and DTIs

4 May 2021 - The Reserve Bank is set to publish its latest Financial Stability Report, but advisers will have to wait a little longer to discover if and when new lending...

Westpac NZ profits up, CEO to retire; Kiwibank and TSB rate cuts

3 May 2021 - Westpac New Zealand recorded a $583 million cash profit in the six months to March and has announced the imminent retirement of its chief executive, David...

Further evidence of booming market

3 May 2021 - Property lending soared to $10.4 billion in March according to the latest Reserve Bank data – the highest monthly volume on record.

Squirrel launches 95% mortgage; Heartland launches low rate revolving credit

21 April 2021 - Two innovative new home loan products to report this morning. Squirrel Mortgages has launched a 95% mortgage for first home buyers, offering rates as...

Squirrel launches 95% mortgage

21 April 2021 - Squirrel Mortgages has launched a 95% mortgage for first home buyers, offering rates as low as 4.09%.

Heartland launches cut-price revolving credit product

20 April 2021 - Heartland Bank has launched a market-leading revolving credit facility at 2.75%, as the lender continues to offer low rate loans through the digital channel.

Housing market's unlikely Covid boost

20 April 2021 - A Kiwibank economist believes lower net migration has given the nation a chance to "dent" its chronic housing shortage. With supply levels headed...

Private funders seek deals; Avanti hires

19 April 2021 - Small private lenders are becoming a bigger fixture in the market as investors seek financing for development projects: [READ ON] Avanti Finance has appointed...

OCR predictions revealed; SBS rate hikes

12 April 2021 - TMM Online has conducted its latest OCR Preview Survey ahead of the RBNZ announcement on Wednesday. Here's what the nation's leading economists...

Valocity aims to cut valuation turnaround times

9 April 2021 - Property technology and data firm Valocity is working on new products to speed up valuation turnarounds, as processing times are hit by record housing demand.

Are interest-only lending limits less likely?; Heretaunga Building Society rate cut

8 April 2021 - Reinstated loan-to-value ratio restrictions and the Government's housing reforms could make interest-only lending curbs less likely, according to a...

Are interest-only lending limits now less likely?

7 April 2021 - Reinstated loan-to-value ratio restrictions and the Government's housing reforms could make interest-only lending curbs less likely, according to a new report.

HSBC fixed rates creep up; Landlords feel the heat

7 April 2021 - HSBC has raised its 12 month and 18 month home loans above the 2% threshold as mortgage rates begin to edge up from record lows: [READ ON] See all the...

Prospa included in Business Finance Guarantee scheme

1 April 2021 - Non-bank lender Prospa has been added as an approved lender to the Government's Business Finance Guarantee scheme, as ministers open up the initiative to alternative lenders for the first time.

Concerns over valuation turnarounds; Bluestone bolsters Auckland presence

31 March 2021 - Advisers say their clients are experiencing severe delays with turnaround times for registered valuations, putting first home buyers in a race against...

Concern over valuation turnarounds

31 March 2021 - Advisers say their clients are experiencing severe delays with turnaround times for registered valuations, putting first home buyers in a race against time on auctions.

BNZ keeps lending tight amid turnaround struggle

29 March 2021 - BNZ has maintained tight lending criteria on new-to-bank deals as it struggles with turnaround times and the volume of loan applications.

Big banks weigh affordability changes

26 March 2021 - ANZ has confirmed it will review its affordability criteria for investor loans in the wake of the Government's housing reforms. TMM Online asked the rest of NZ's major lenders if they plan to follow suit.

ANZ reviews investor lending amid reforms

25 March 2021 - ANZ is the first big four lender to confirm that it will review investor lending assessments following the Government's housing reforms.

Advisers slam housing reforms; Westpac censured by Reserve Bank

24 March 2021 - Advisers have criticised the Government's radical housing market reforms, which will have a significant impact on investors: [READ ON] The Reserve...

Advisers slam housing market reforms

24 March 2021 - Advisers have criticised the Government's radical housing market reforms, which will have a significant impact on investors.

Government unveils investor clampdown

23 March 2021 - The Government has announced a range of new measures to tackle the housing crisis, including an extension of the bright-line test to ten years and the removal of interest deductibility, as the clampdown on investors continues.

Interest-only lending changes loom

23 March 2021 - The Reserve Bank is "very likely" to introduce interest-only lending restrictions on investors as it aims to tackle the overheated housing market, according to CoreLogic.

Focus on commission disclosure

22 March 2021 - Advisers will need to do a better job of explaining their no-fee, no-obligation model under the new regulatory regime, according to adviser Hamish Patel.

Investors could be bitten hard this year

20 March 2021 - The game is about to change for property investors.

Are long-term rates the best bet?

19 March 2021 - Mortgage borrowers need to start hedging against the risk that interest rates will rise and move in "unpredictable" ways, according to economist Tony Alexander.

New mortgage lender for developers

19 March 2021 - A second tier lender has launched a new first mortgage fund to provide loans to property developers.

Record lending in January: Reserve Bank data shows

17 March 2021 - Newly-released data from the Reserve Bank shows that mortgage lending surpassed $6 billion in January, the highest ever total for that month.

Meteoric market to continue until mid-year

16 March 2021 - Kiwibank economists believe that house price inflation will rise by 25% in the year to June, before easing to 14.5% in the year to December 2021.

Investor activity waning?

9 March 2021 - Recently reimposed loan to value ratio restrictions are having a cooling effect on the investor market, according to a new survey: [READ ON] ...

Time to lock in long-term rates?

8 March 2021 - Record low mortgage rates will remain in place for much of this year, but some borrowers could be better off locking in long-term loans, say ASB economists.

New lending rules likely

5 March 2021 - There is a "high" probability of extra rules to curb house price inflation, such as DTIs and interest-only lending restrictions, according to...

New lending rules likely

5 March 2021 - There is a "high" probability of extra rules to curb house price inflation such as DTIs and interest-only lending restrictions, according to economist Tony Alexander.

Rising rates to end housing boom

3 March 2021 - Westpac economists predict rising mortgage rates will put an end to the NZ housing boom.

New build loan boost

2 March 2021 - Advisers report that it is getting easier to access construction and new build loans, amid growing pressure to increase the supply of new houses.

Are interest rates rising?; Back to lockdown

1 March 2021 - ASB has increased term deposit interest rates across the board, a sign that rates have begun to rise from historic lows: [READ ON] Groundhog day for advisers...

RBNZ governor wants lower loan rates

24 February 2021 - Reserve Bank governor Adrian Orr has called on banks to pass on lower interest rates to borrowers, and has a message for lenders: "We are watching."

Bank profits plummet ... to $4.4 billion

24 February 2021 - New Zealand banks suffered a 27.57% drop in profits in 2020 because of Covid-19, but still made $4.4 billion, according to a new report published by KPMG:...

Bank profits plummet ... to $4.4 billion

24 February 2021 - New Zealand banks suffered a 27.57% drop in profits in 2020 because of Covid-19, but still made $4.4 billion, according to a new report published by KPMG.

Are investors backing off?; Record December; Heartland digital loan continues

23 February 2021 - Property investors have begun to step back from the real estate market in recent weeks, according to a survey conducted by economist Tony Alexander: [READ...

Are investors backing off?

23 February 2021 - Property investors have begun to step back from the real estate market in recent weeks, according to a new survey conducted by economist Tony Alexander.

Heartland digital home loan set to stay

23 February 2021 - Heartland Bank is "comfortable" for its digital mortgage product to continue running, after approving more than $300 million in loans.

Record December lending

22 February 2021 - December was yet another record-breaking month of mortgage lending in New Zealand, according to newly-published RBNZ data.

ANZ halts online mortgage applications

22 February 2021 - ANZ has been forced to halt online mortgage applications amid an unprecedented surge in demand as people rush to beat LVR restrictions.

What's the best mortgage strategy?

19 February 2021 - As further official cash rate cuts look less likely, are borrowers better off choosing short or long-term loans? ANZ has released a new report on the the dilemma facing homeowners.

ASB U-turn on investor new builds

18 February 2021 - ASB has backtracked on plans to impose LVR restrictions on new build investor loans. The bank says it "may not have got the balance quite right"...

ASB shut down new build investor loans

17 February 2021 - Despite new properties being exempt from new lending restrictions, ASB Bank has stopped providing new build loans to investors above 60% LVR.

Investors rush to beat LVRs

17 February 2021 - Investors rushed to get ahead of the Reserve Bank's new LVR rules, recording their highest share of property purchases on record, according to research firm CoreLogic.

Advisers ready for lockdown part three; SBS rate cuts

15 February 2021 - Mortgage advisers say they are ready to operate through lockdown once more, as Auckland goes into alert level three and the rest of the country goes into...

Advisers ready for lockdown

15 February 2021 - Mortgage advisers say they are ready to operate through lockdown once more, as Auckland goes into alert level three and the rest of the country goes into level two.

Non-bank floating rates fall

12 February 2021 - Non-bank variable loans will become an increasingly attractive option to investors and first home buyers turned away by the banks, according to Avanti Finance.

Have home loan rates troughed?; ASB makes mortgagee promise

11 February 2021 - The strength of the New Zealand economy could mean home loan rates have troughed in this cycle, according to economists at ASB: [READ ON] ASB has pledged...

Have mortgage rates troughed?

11 February 2021 - The strength of the New Zealand economy could mean home loan rates have troughed in this cycle, according to economists at ASB.

ASB promises no forced mortgagee sales

11 February 2021 - ASB has pledged not to force owner-occupiers out of their homes if they fall into financial difficulty.

Sub 2% for HSBC

10 February 2021 - HSBC has launched a 1.99% mortgage rate for 12 and 18-month fixed home loans, one of the cheapest ever offered in New Zealand.

Advisers react to LVR changes

10 February 2021 - The Reserve Bank has imposed strict new LVR requirements on investor lending, but advisers say other measures may have been more appropriate to help first home buyers.

Reserve Bank tightens LVR rules for investors

9 February 2021 - Investors will need a 40% deposit to get a mortgage under new rules to be enforced by the Reserve Bank of New Zealand.

Small businesses struggle

9 February 2021 - A new survey reports small and medium sized businesses are finding it increasingly difficult to get financing from traditional lending sources.

ASB the latest to clamp down on investors

5 February 2021 - ASB is the latest big four lender to introduce strict LVR requirements for investors, following ANZ and BNZ in tightening the rules.

Reverse mortgage market set to triple; TSB rate cuts

5 February 2021 - The global reverse mortgage market is set to increase three-fold in the next decade, according to new research from advisory firm EY: [READ ON] TSB has...

ICBC and Kainga Ora sharpen rates; Housing market intervention expected

3 February 2021 - ICBC has slashed its one year rate to 2.25%, level with HSBC Premier. Its 18 month and two-year rates drop to 2.35%. Kainga Ora mortgage rates fall...

Intervention expected for housing market

3 February 2021 - The Government is "almost certain" to intervene in the housing market to help first home buyers and boost residential construction, according to CoreLogic.

SBS cuts one year rate; non-bank SME lending grows

2 February 2021 - SBS has followed its bigger rivals in slashing its one year rate to 2.29%. Its First Home Loan rate for those with a 10% deposit drops to 2.54%. See the...

Non-bank SME lending soars

2 February 2021 - Online SME lender Prospa has recorded a 200% surge in originations in the December quarter, driven by adviser business.

The latest industry hires

29 January 2021 - Over at TMM Online's 'People' page, you can keep up to date with the latest hires in the market. Nest Home Loans has brought in five...

New names at Nest Home Loans

29 January 2021 - Adviser business Nest Home Loans has hired a number of new brokers to bolster its Hamilton and Tauranga operations.

The Co-operative pushes for first home buyers

28 January 2021 - The Co-operative Bank is taking on the big four with a new 2.09% mortgage rate for first home buyers, amid strong competition for prime borrowers.

Turnaround time improvement?

27 January 2021 - Advisers have begun to note a slight improvement in bank turnaround times, according to economist Tony Alexander's latest survey of the market: [READ...

Turnaround time improvement?

27 January 2021 - Advisers have begun to note a slight improvement in bank turnaround times, according to economist Tony Alexander's latest survey of the market.

Calls to risk weight investor loans

26 January 2021 - Banks should be forced to risk-weight investor mortgages and loans on interest-only terms, suggest economists from Kiwibank: [READ ON] ...

Call to risk-weight investor loans

25 January 2021 - Banks should be forced to risk-weight investor mortgages and loans on interest-only terms, according to economists from Kiwibank.

Warning over fee for service disputes; TSB, Kiwibank rate cuts

25 January 2021 - More clients are playing off mortgage advisers against their bank, leading to disputes over fee-for-service charges, says FSCL chief executive Susan Taylor:...

Warning on fee for service charges

25 January 2021 - More clients are playing off mortgage advisers against their bank, leading to disputes over fee-for-service charges, says FSCL chief executive Susan Taylor.

ASB, BNZ, Kiwibank slash rates

22 January 2021 - ASB and BNZ have joined their big four rivals in slashing their one year special rates to 2.29%, while Kiwibank has also made cuts, as downward pressure continues in the home loan market.

Mortgage price wars heat up

20 January 2021 - ANZ has followed Westpac in slashing its one year special rate to 2.29%, the joint lowest "big four" rate in the market.

ANZ rate cut; Market momentum continues; Mortgage Express hire

20 January 2021 - ANZ has this morning matched Westpac's 2.29% one year special, as rates continue to fall. Check out the latest rates here. Economists believe strong...

Market momentum tipped to continue

20 January 2021 - Economists predict that the red-hot housing market will continue in the near-term, with listings not growing fast enough to meet demand.

Be clear on clawbacks

18 January 2021 - Mortgage advisers must clearly disclose clawback agreements with clients, industry leaders say, as disputes on the topic continue to emerge.

Lending predictions for 2021

15 January 2021 - Interest rates will remain at historic lows for the next two years and banks will become more receptive to new customers this year, predicts economist Tony Alexander.

Advisers sceptical of turnaround time improvement

13 January 2021 - Mortgage advisers predict there will be little progress made on turnaround times this year, as processing times continue to deteriorate across the industry:...

Little hope on turnaround times

13 January 2021 - Mortgage advisers predict there will be little progress made on turnaround times this year, as processing times continue to deteriorate across the industry.

November mortgage lending jumps to $9.2 billion

12 January 2021 - Mortgage lending jumped to $9.2 billion in November — $1.5 billion more than the previous record monthly total — according to the latest Reserve...

Record mortgage lending in November

12 January 2021 - Mortgage lending jumped to $9.2 billion in November – $1.5 billion more than the previous record monthly total – according to new Reserve Bank data.

Lowest-ever big bank rate from Westpac

11 January 2021 - Westpac has launched the lowest ever big four bank rate, unveiling a new one-year mortgage at 2.29%.

Is the housing market cooling off?

22 December 2020 - A new survey of mortgage advisers shows "solid evidence of things cooling off" in the housing market, with the impact of LVR changes and pressure...

Big banks say no to 40% investor deposits

21 December 2020 - The other three big banks will not follow ANZ in making investors raise a 40% deposit for a home loan, following the lender's controversial decision.

How will 40% deposit requirements affect the market?

18 December 2020 - The 40% deposit requirements imposed by ANZ Bank – and possibly the RBNZ next year – are unlikely to slow the Auckland market to a halt, argues economist Tony Alexander.

Bright outlook for non-banks

16 December 2020 - Non-bank lenders are on course to grow market share in mortgage and business lending, according to KPMG head of banking John Kensington.

Advisers react to ANZ's LVR decision

15 December 2020 - Advisers have responded to ANZ's move to raise deposit requirements for investors. Here's what the industry said:

ANZ gets tough on investors

15 December 2020 - ANZ New Zealand has lifted its deposit requirement for residential property investors to 40%, marking a major change in the lending market.

Reserve Bank asks for DTIs

11 December 2020 - Reserve Bank governor Adrian Orr has asked Finance Minister Grant Robertson to add debt-to-income ratios to its macro-prudential toolkit, as it responds to government pressure on house prices.

Business lending boost in 2021?

11 December 2020 - Banks will be more willing to lend to businesses in the new year, driving New Zealand's economic recovery, according to economist Tony Alexander.

Why the housing market won't cool

8 December 2020 - While MPs, bureaucrats, and others are calling for the housing market to be cooled, Kiwis don't think anything will happen: [READ ON] ...

'Bullying' banking conduct

4 December 2020 - Advocating for your client is a fundamental aspect of being an adviser – even if that means making yourself "a pain in the arse", writes Jon-Paul Hale.

Jeff Royle and Resimac team up for investor loans

3 December 2020 - iLender's Jeff Royle has teamed up with Resimac to launch a new loan product for investors impacted by strict bank lending criteria.

BNZ warned over responsible lending failings

2 December 2020 - The Commerce Commission has warned BNZ over "likely" responsible lending breaches, and failures to give borrowers timely and accurate information.

DTIs: what do advisers think?

27 November 2020 - Mortgage advisers are unconvinced that the Reserve Bank's plan to introduce debt-to-income ratios will reduce risk and fix the housing market.

Reserve Bank eyes DTIs

27 November 2020 - Reserve Bank governor Adrian Orr has revealed that the central bank would like to introduce debt-to-income ratio limits on mortgage lending: [READ ON] What's...

Reserve Bank eyes DTIs

26 November 2020 - Reserve Bank governor Adrian Orr has revealed that the central bank would like to introduce debt-to-income ratio limits on mortgage lending.

Record October mortgage lending

25 November 2020 - Mortgage lending soared to $7.7 billion last month, the highest October figure on record, and further evidence of the red-hot housing market.

BNZ reintroduces LVR limits

24 November 2020 - BNZ has followed ANZ and ASB in reimposing loan to value ratio restrictions, after the Reserve Bank flagged plans to bring back LVRs next year.

How many people are still asking for home loan help?

24 November 2020 - While it has been several months since our last lockdown, a steady stream of people continue to ask for help on their home and business loans.

Industry keen for Welcome Home Loan changes

19 November 2020 - Advisers and lenders believe the government should make it easier for customers to access the Welcome Home Loan and First Home Grant.

How low will one and two-year rates go?

16 November 2020 - While the official cash rate looks less likely to go negative, economists predict one and two year fixed mortgages will fall to about 2% in the next year.

ANZ reintroduces investor LVRs

13 November 2020 - ANZ has followed ASB in bringing back deposit requirements for investors, after the Reserve Bank's u-turn on LVR speed limits.

Advisers divided on LVR return

12 November 2020 - Loan to value ratio restrictions are poised to return in March, but advisers are divided on whether it is a positive or negative move by the Reserve Bank.

Economists react to bank funding programme

11 November 2020 - Economists are divided on whether the Reserve Bank will need to cut the official cash rate further after it launched a new funding programme to push down interest rates.

What is the Reserve Bank's new plan to cut interest rates?

11 November 2020 - The Reserve Bank is expected to outline plans for its Funding for Lending Programme today, the latest tool to help push down borrowing costs. How will it work?

Bank capital rules delayed until 2022

11 November 2020 - New rules to force banks to hold extra capital will be delayed until 2022, the Reserve Bank of New Zealand has announced.

ASB using debt-to-income ratios

10 November 2020 - ASB Bank has introduced debt to income ratios as a secondary test of borrowers' income, as lenders change their processes after Covid-19.

Heartland online floating rate falls to 2.5%

9 November 2020 - Heartland has slashed its online floating rate to 2.5% – the lowest variable rate on offer in New Zealand.

Cash backs are back

6 November 2020 - Cash backs are returning to pre-Covid levels across the main banks, advisers say, amid strong competition for high quality borrowers in the housing boom.

ASB using branches for broker applications

5 November 2020 - ASB has become the latest bank to send adviser home loan applications to branches for completion, as it tries to reduce a backlog of deals.

Businesses doing it tough

4 November 2020 - Advisers say their business clients are finding it difficult to obtain financing, despite measures to kick-start SME lending during the Covid crisis.

Could KiwiBuild home loans be at risk?

3 November 2020 - Banks could pull the plug on borrowers with pre-approvals for KiwiBuild homes, leaving them vulnerable to financial ruin, an adviser has warned.

How low could mortgage rates go?; Co-op slashes rates

29 October 2020 - With the Reserve Bank poised to offer more support to the economy, ASB economists predict home loan rates will plummet further into the new year: [READ...

How low could mortgage rates go?

28 October 2020 - With the Reserve Bank poised to offer more support to the economy, ASB economists predict home loan rates will plummet further into the new year.

Record home lending in September

27 October 2020 - Mortgage lending hit $7.3 billion in September, the highest value on record, according to the latest Reserve Bank data, as the market continues to defy expectations.

The $50 billion idea that will push down home loan rates

23 October 2020 - ANZ economists predict the Reserve Bank's funding for lending programme (FLP), designed to push down interest rates, could hit $50 billion.

High LVR investor lending up 134%

21 October 2020 - Investors have taken advantage of relaxed loan to value ratio restrictions to borrow 134% more on high LVR terms, analysis from ASB reveals.

2.25% one year rate from the Co-op

20 October 2020 - The Co-operative Bank has launched a 2.25% one year home loan for first home buyers, one of the cheapest ever offered in New Zealand.

High LVR loans: what does the data say?

19 October 2020 - While mortgage advisers say they have found it difficult to place high LVR loans, Reserve Bank data indicate there has been an increase in high LVR lending...

High LVR lending: what does the data say?

19 October 2020 - While mortgage advisers say they have found it difficult to get high LVR loans for their clients, Reserve Bank data indicate there has been an increase in high LVR lending since May.

Something’s gotta give on prices

16 October 2020 - House prices are on a relentless march upwards and BNZ is warning that “over-zealous investors” could push them to non-sustainable levels.

LVR limits will return for investors

16 October 2020 - The odds of LVR restrictions returning for investors next year are "fairly high" due to the strength of the residential property market, according to economist Tony Alexander.

LVR limits will return for investors: Alexander

16 October 2020 - The odds of LVR restrictions returning for investors next year are "fairly high" due to the strength of the residential property market, according to economist Tony Alexander.

Tough conditions for the self-employed

15 October 2020 - Advisers say that the self-employed are bearing the brunt of tight lending conditions, with banks concerned about the long-term impact of Covid-19: [READ...

COMMENT: Property investment tax advantages

15 October 2020 - Public opinion has it that there’s lots of tax advantages with property investment. But property accountant Anthony Appleton-Tattersall* is asking people to let him know if they see any, as he hasn’t found them yet.

Tough conditions for self-employed borrowers

14 October 2020 - Advisers say that the self-employed are bearing the brunt of tight lending conditions, with banks concerned about the long-term impact of Covid-19.

What do clients think of mortgage advisers?

14 October 2020 - The Financial Advice New Zealand Trust in Advice survey 2020 offers a snapshot of consumers' views of the mortgage advice industry. How did advisers fare?

Sales, prices skyrocket in defiant market

13 October 2020 - It’s official: New Zealand’s housing market is going crazy – and the skyrocketing prices have left economists revising their forecasts and worried it heralds a new bubble.

Q&A: Why Heartland launched a sub-2% rate

12 October 2020 - Heartland has launched New Zealand's lowest ever mortgage rate. Here's why the group is taking on the big banks.

Heartland launches market-leading 1.99% mortgage

12 October 2020 - Heartland has relaunched its direct-to-consumer mortgage with a record-low one year rate of 1.99%.

Are banks more flexible on high LVR?; Four ways low rates have boosted the market

9 October 2020 - While loan-to-value ratio restrictions were scrapped months ago, advisers say lenders have been slow to change their approach to high LVR borrowers: [READ...

Four ways low rates have boosted the market

9 October 2020 - Independent economist Tony Alexander says there are four ways that low interest rates can explain the "current and coming market strength".

Are banks treating high LVR customers any differently?

8 October 2020 - While loan-to-value ratio restrictions were scrapped months ago, advisers say lenders have been slow to change their approach to high LVR borrowers.

Small business boost; National plans landlord changes

6 October 2020 - Non-bank SME lender Prospa is offering small businesses some breathing space as they recover from the Covid-19 lockdown: [READ ON] The National Party...

Small business loan boost

5 October 2020 - Non-bank SME lender Prospa is offering small businesses some breathing space as they recover from the Covid-19 lockdown.

Frustration over home loan processing

5 October 2020 - Mortgage advisers say their turnaround times continue to be much slower than direct home loan applications, leading to frustration across the industry:...

Frustration over home loan processing

5 October 2020 - Mortgage advisers say their turnaround times continue to be much slower than direct home loan applications, leading to frustration across the industry.

Growing calls to overhaul Responsible Lending Code

29 September 2020 - A growing chorus of mortgage advisers want New Zealand to follow Australia's lead and scrap responsible lending laws.

Australia scraps responsible lending laws — advisers react

28 September 2020 - The Australian government has axed responsible lending laws in "the most significant reforms to Australia's credit framework in a decade":...

Advisers hopeful about Aussie lending changes

28 September 2020 - Kiwi mortgage advisers are hopeful that Australia's move to scrap responsible lending rules will lead to changes here.

August record for mortgage lending

24 September 2020 - Home lending reached a record high for an August last month, further evidence of the market's resurgence during the Covid-19 pandemic.

Kiwibank sees lending rise: KPMG

23 September 2020 - Kiwibank increased lending by 8.8% in the year to June, according to KPMG’s latest banking report, despite a tough period for the nation’s banks.

Are branch customers getting preferential treatment?

15 September 2020 - Advisers fear major banks are prioritising direct mortgage applications over broker-led home loans, as turnaround times worsen: [READ ON] ...

Are branch customers getting preferential treatment?

15 September 2020 - Advisers fear major banks are prioritising direct mortgage applications over broker-led home loans, as turnaround times worsen.

Turnaround times: how do the banks compare?

14 September 2020 - ANZ has the worst turnaround times in the home loan market, according to a snap survey conducted by TMM Online: [READ ON] ...

Turnaround times: how do the banks compare?

14 September 2020 - ANZ has the worst turnaround times in the home loan market, according to a snap survey conducted by TMM Online.

Turnaround time turmoil

11 September 2020 - Advisers say turnaround times of two to three weeks are commonplace in the market, as banks struggle with rising demand and mortgage deferral requests:...

Turnaround time turmoil

11 September 2020 - Advisers say turnaround times of two to three weeks are commonplace in the market, as banks struggle with rising demand and mortgage deferral requests.

Westpac not budging on investor LVR

7 September 2020 - Westpac is sticking to its 70% loan-to-value ratio limit for investor mortgages, despite rival banks loosening up following the end of LVR restrictions.

Non-bank criteria changing through Covid

3 September 2020 - Many alternative lenders changed criteria for customers through the second lockdown, creating a challenging environment for advisers and their clients, according to adviser service Solutions Out Sourced (SOS).

Clouds remain over housing market

27 August 2020 - Falling mortgage rates will provide support to the housing market over the coming year – but a weakening of the market is still on the cards, according to bank economists.

Borrowing boom in July – before second lockdown

26 August 2020 - Home lending soared to $6.5 billion in July during New Zealand's Covid-free period, reaching its highest level since November last year.

Borrowing boom in July – before second lockdown

26 August 2020 - Home lending soared to $6.5 billion in July during New Zealand's Covid-free period, reaching its highest level since November last year.

Sub-2% mortgages to boost house prices: ASB

26 August 2020 - Home loan rates will plummet to 2% in the next year, with low rates set to push up house prices, according to ASB.

Negative OCR would be a mistake: Kiwibank

25 August 2020 - While economists at the big four lenders believe the Reserve Bank will opt for a negative official cash rate next year, Kiwibank analysts believe the move would be a mistake.

Mixed response to Business Finance Guarantee Scheme

24 August 2020 - The Government has extended its Business Finance Guarantee Scheme but advisers say the programme has not been popular with clients so far.

Reverse mortgages an option for struggling borrowers: Heartland

20 August 2020 - Reverse mortgages, rather than mortgage deferrals, could help borrowers deal with the financial fallout of Covid-19, says Heartland Bank head of retail Andrew Ford.

Investors' market share on the rise

20 August 2020 - Concerns about the rising costs of being a landlord aren’t deterring investors with new data showing that mortgaged investors’ share of purchases surged to a four year high in July.

ANZ sets aside an extra $79 million for bad loans

19 August 2020 - ANZ New Zealand has ring-fenced a further $79 million for impaired loans as the nation's biggest lender deals with the fallout from the pandemic.

Deferral scheme extended to March

17 August 2020 - The Reserve Bank has confirmed the mortgage deferral scheme will be extended until March next year following the second lockdown in Auckland.

Why mortgage rates are likely to fall even lower

13 August 2020 - Home loan rates are already at record lows, but economists at ASB predict interest rates will plummet even further in the coming months.

Mortgage deferral programme to be extended

12 August 2020 - Reserve Bank governor Adrian Orr says the mortgage deferral programme will be extended beyond September, as the Covid-19 pandemic regains a grip on New Zealand.

Mortgage deferral programme to be extended: Orr

12 August 2020 - Reserve Bank governor Adrian Orr says the mortgage deferral programme will be extended beyond September, as the Covid-19 pandemic regains a grip on New Zealand.

Advisers prepare for second lockdown

12 August 2020 - Mortgage advisers are preparing to run their businesses under lockdown once again as Auckland goes into alert level three at midday.

Kainga Ora rate cuts; Greens propose further tenancy reforms

11 August 2020 - Kainga Ora has slashed one, two, three, and five year rates this morning. Its one year rate is available at 2.93%. See the latest rates here. Meanwhile,...

Borrowers pay down home loans in lockdown

6 August 2020 - Westpac claims many of its customers used the Covid-19 lockdown to make additional repayments on their mortgages.

Resimac slashes prime rates

4 August 2020 - Non-bank Resimac has slashed prime rates to new lows as it pushes to take business from traditional lenders.

ANZ eases servicing test

4 August 2020 - ANZ has become the latest bank to ease its servicing test criteria for borrowers, reflecting the lower interest rate environment.

ANZ eases servicing test

4 August 2020 - ANZ has become the latest bank to ease its servicing test criteria for borrowers, reflecting the lower interest rate environment.

Non-banks get Covid boost

31 July 2020 - Non-bank lenders have reported a flood of new customers turned away by the banks in the wake of the Covid-19 pandemic, as traditional lenders stick to conservative credit limits.

COMMENT: It’s not all doom & gloom

30 July 2020 - Uncertainty still casts its shadow over the property market but there are factors that could see a brighter outlook than some expect, writes CoreLogic's Kelvin Davidson.*.

Mortgage holidays set for extension

29 July 2020 - Minister of Finance Grant Robertson says the Reserve Bank could extend mortgage holidays for struggling borrowers.

COMMENT: Extend mortgage holidays

27 July 2020 - The Covid-19 prompted mortgage “holiday” scheme is set to end in September but Century 21 New Zealand owner Derryn Mayne is calling for it to be extended.

Home lending jumps in June

24 July 2020 - New mortgage lending jumped to $5.3 billion in June as the market recovered strongly from the Covid-19 lockdown.

Turnaround times deteriorate: survey

23 July 2020 - Turnaround times "seem to have got worse" following Covid-19, according to a new survey conducted by economist Tony Alexander.

ASB eases servicing criteria

20 July 2020 - ASB Bank has eased its lending servicing criteria after cutting home loan rates for high LVR borrowers last week.

Servicing tests hinder home loan market

17 July 2020 - Tough servicing tests continue to hinder the home loan market, leaving borrowers unable to tap into attractive headline interest rates.

Mortgage demand picked to decline

16 July 2020 - Banks are expecting a fall in demand for mortgage lending in the second half of 2020, according to a new Reserve Bank Credit Conditions Survey.

Heartland eyes relaunch of digital home loan

15 July 2020 - Heartland says its 2.89% digital mortgage product was a hit with borrowers, and could the relaunch online offering when the lending market settles down.

Why bank changes are good for advisers

8 July 2020 - The days of face-to-face banking may be numbered with the big banks closing branches around the country in the wake of Covid-19, but this change could work out well for advisers.

Westpac loan process gets the thumbs-up

7 July 2020 - Westpac's decision to process third-party loans in-branch has been a success, leading to improved turnaround times, advisers say.

Advisers buoyed by strong property market

6 July 2020 - The New Zealand property market has emerged strongly out of lockdown, according to mortgage advisers, who say they are busy as ever this winter.

Bank profits drop 20%

3 July 2020 - Bank profits plummeted by 20% in the three months to March, with the early impact of Covid-19 hammering the sector, according to a new report from KPMG.

Westpac scraps cash backs for high LVR loans

1 July 2020 - Westpac has scrapped cash-back offers for borrowers over 80% LVR, as lenders tighten up amid the Covid-19 economic downturn.

Signs of confidence but early days yet

30 June 2020 - Tough economic times might be ahead but a new report from REINZ shows there are some early signs of confidence in the housing market post-lockdown.

Are sub-2% mortgages on the way?

30 June 2020 - Mortgage rates could fall below 2% as the government and Reserve Bank move to push down borrowing costs, according to a leading fund manager: [READ ON] ...

Are sub-2% mortgages on the way?

30 June 2020 - Mortgage rates could fall below 2% as the government and Reserve Bank move to push down borrowing costs, according to a leading fund manager.

Survey reveals lending concerns

29 June 2020 - Mortgage advisers are concerned about tightening lending criteria and tough servicing tests, despite the record-low interest rate environment, according to a new survey.

Kiwibank ramps up pressure on rivals

26 June 2020 - Kiwibank chief executive Steve Jurkovich says the bank's home lending enquiries have risen by 30% since it cut floating rates, and has called on rivals to follow suit.

Mortgage borrowing rebounds in May

25 June 2020 - New mortgage borrowing rose by roughly $1.6 billion in May as the property market showed signs of recovery from the Covid-19 lockdown.

Mortgage borrowing rebounds in May

25 June 2020 - Mortgage borrowing rose by roughly $1.6 billion in May as the property market showed signs of recovery from the Covid-19 lockdown.

Resimac cuts specialist floating rates

23 June 2020 - Non-bank lender Resimac has slashed rates across its range of specialist home loans, while also cutting its servicing rate.

ASB eases lending policy

18 June 2020 - ASB has eased its policy for owner-occupier and investor lending, and is now offering investors up to 80% LVR.

QE could push mortgage rates even lower: ASB

17 June 2020 - Further quantitative easing from the Reserve Bank would push mortgage rates even lower, according to economists at ASB.

New-to-bank lending freeze

17 June 2020 - Banks have stopped taking on new borrowers above 80% LVR, despite the end of loan-to-value ratio restrictions last month.

New-to-bank lending freeze; Allow KiwiSaver for investment properties?

17 June 2020 - Banks have stopped taking on new borrowers above 80% LVR, despite the end of loan-to-value ratio restrictions last month: [READ ON] Investors should be...

New-to-bank lending freeze

17 June 2020 - Banks have stopped taking on new borrowers above 80% LVR, despite the end of loan-to-value ratio restrictions last month.

COMMENT: Allow KiwiSaver for investment properties

16 June 2020 - It’s time to allow KiwiSaver to be used to buy investment properties as well as first homes, argues Century 21 New Zealand owner Derryn Mayne.

Kiwibank cuts 1% from floating rates, rivals cut fixed rates

11 June 2020 - Kiwibank has slashed 1% from its floating rate home and business loans, while ANZ and ICBC have made further cuts to their mortgage offerings.

$75m on offer for new developments

9 June 2020 - Auckland ’s long-term future is sound as well situated residential developments will always sell and demand for affordable housing remains strong, a leading non-bank property financier says.

New record-low rate at 2.55%; What will alert level one mean for landlords?

8 June 2020 - Bank of China has launched New Zealand's latest record-low fixed home loan, offering a one-year mortgage at 2.55%: [READ ON] As NZ gets ready to move...

New record low fixed rate at 2.55%

5 June 2020 - Bank of China has launched New Zealand's latest record-low fixed home loan, offering a one-year mortgage at 2.55%.

Ex-Southern Cross executives start new venture

4 June 2020 - Two ex-Southern Cross Partners executives have launched a new business to help advisers secure non-bank loan for clients.

Bank LVR limits on hold

4 June 2020 - Banks have not relaxed loan-to-value ratio limits for investors, despite the Reserve Bank's move to scrap LVR rules.

ASB to help bereaved borrowers

2 June 2020 - ASB has pledged to pay customers' mortgage interest for a year if another borrower on the home loan dies.

Lending policies changing rapidly; TSB price match

2 June 2020 - Bank lending policies are changing at their fastest rate since the GFC, with huge variations between major lenders, according to one Auckland adviser:...

Lending policies changing rapidly

2 June 2020 - Bank lending policies are changing at their fastest rate since the GFC, with huge variations between major lenders, according to one Auckland adviser.

TSB relaunches price-match offer

29 May 2020 - TSB has revived its home loan price-match offer, vowing to offer rates in line with the big-four banks.

Tough servicing tests remain; Westpac and TSB slash rates

29 May 2020 - Advisers have called on banks to lower servicing test rates as home loans plummet to record lows: [READ ON] More rate cuts this morning. Westpac cuts...

Tough servicing tests remain

29 May 2020 - Advisers have called on banks to lower servicing test rates as home loans plummet to record lows.

Reserve Bank governor believes rates can go lower

27 May 2020 - Reserve Bank governor Adrian Orr believes banks have "room to go" to push home loan rates below current record lows.

Reserve Bank fears loan losses and restructurings

27 May 2020 - Loan losses will rise "materially" in the coming months and households could struggle to service deferred mortgages, the Reserve Bank has warned.

The Co-operative goes sub 3%; Mortgage lending drops to record low

27 May 2020 - The Co-operative Bank has sharpened home loan rates across the board, from six month to five year loans. Its one year rate comes in at 2.79%, joint second-cheapest...

Mortgage lending slumps to record low in April

26 May 2020 - Mortgage lending fell to its lowest level on record last month as the property market ground to a halt during the Covid-19 lockdown.

Mortgage lending slumps to record low in April

26 May 2020 - Mortgage lending fell to its lowest level on record last month as the property market ground to a halt during the Covid-19 lockdown.

Resimac eases criteria for investors

26 May 2020 - Non-bank lender Resimac has eased its credit criteria for investors as it seeks to build market share in New Zealand.

Kiwibank smashes record with 2.65% home loan

22 May 2020 - Mortgage rates continue to plummet to record-lows, with Kiwibank launching a one-year home loan at 2.65%.

ASB ramps up price war with 2.69% mortgage

22 May 2020 - ASB has stolen a march on its big four rivals with the launch of a 2.69% two-year mortgage rate, a new record-low.

BNZ tightens lending policy

22 May 2020 - BNZ is sticking to a tight lending policy for mortgage borrowers, despite the Reserve Bank's decision to scrap LVR restrictions.

Pepper writes 600 NZ loans in first year

21 May 2020 - Australian non-bank Pepper Money provided 600 home loans in its first year in New Zealand, as it targets expansion over the next 12 months.

ANZ slashes home loan to 2.79% record low

20 May 2020 - ANZ has cut its one year special home loan rate to 2.79%, the lowest ever in the New Zealand market.

Westpac goes sub 3%, The Co-operative Bank cuts rates

12 May 2020 - Westpac has slashed its two year special home loan to 2.99%, becoming the latest major bank to drop below the 3% mark, while The Co-operative has also cut mortgage rates.

TSB drops one year rate to 2.89%, ANZ to 2.99%

11 May 2020 - TSB has slashed its one year special rate to 2.89% and ANZ has cut its one year special to 2.99%, as rates continue to fall.

Investors expect road ahead to be tougher

8 May 2020 - Most investors believe that conditions will get harder for property investors over the next year but not just because of the Covid-19 crisis, a new survey by NZ Property Investor has found.

Westpac expects loan impairments; New record low mortgage

5 May 2020 - Westpac NZ suffered a 47% drop in cash earnings in the six months to March, and says Covid-19 will lead to loan impairments of $211 million: [READ ON] China...

New record low mortgage rate at 2.8%

4 May 2020 - China Construction Bank has slashed its one year mortgage rate to just 2.8%, becoming a new record low for the New Zealand market.

Westpac loan impairments soar to $211 million

4 May 2020 - Westpac NZ suffered a 47% drop in cash earnings in the six months to March, and says Covid-19 will lead to loan impairments of $211 million.

End of LVR rules: advisers react

4 May 2020 - Advisers have welcomed the Reserve Bank's decision to end loan-to-value ratio restrictions, but are divided on whether it will change lending behaviour.

Reserve Bank ends LVR restrictions

30 April 2020 - The Reserve Bank has decided to remove loan to value ratio restrictions for 12 months in response to the Covid-19 crisis.

Lending strong – before lockdown

29 April 2020 - The latest Reserve Bank data shows lending remained strong until New Zealand entered lockdown, with $6.1 billion of mortgage lending in March.

Non-banks see surge in demand

29 April 2020 - Non-bank lenders have noted a sharp increase in demand for home loan products as banks maintain tight restrictions during the Covid-19 outbreak.

Reserve Bank to scrap LVR restrictions

21 April 2020 - [UPDATED] The Reserve Bank is set to remove loan-to-value ratio restrictions on mortgages in the wake of the Covid-19 outbreak.

Reserve Bank to scrap LVR restrictions

21 April 2020 - The Reserve Bank is set to remove loan-to-value ratio restrictions on mortgages in the wake of the Covid-19 outbreak.

Pre-approvals hit by Covid-19

20 April 2020 - Banks have begun to withdraw pre-approvals for home loans in the wake of the Covid-19 crisis, as credit conditions continue to tighten: [READ ON] ...

Pre-approvals hit by Covid-19

20 April 2020 - Banks are withdrawing pre-approvals for home loans amid the Covid-19 outbreak, as credit conditions continue to tighten.

More relief needed for commercial property sector

16 April 2020 - New measures to help out commercial landlords and tenants struggling with Covid-19 related lease issues have been announced – but the Property Council is warning that more support is needed.

Fears over tougher servicing tests

15 April 2020 - Advisers say servicing tests have become even tougher during the Covid-19 crisis, with banks testing borrowers on virus-constrained current income.

Fears over tougher servicing tests

15 April 2020 - Advisers say servicing tests have become even tougher during the Covid-19 crisis, with banks testing borrowers on virus-constrained current income: [READ...

ANZ doesn’t expect low equity problems

14 April 2020 - ANZ says it is “extremely unlikely” that its customers will go above 95% LVR or into negative equity during the Covid-19 crisis.

Non-banks offer payment holidays

7 April 2020 - Non-bank lenders Avanti Finance and Resimac will offer borrowers repayment reduction options and deferrals amid the Covid-19 crisis.

ASB criticised over Covid-19 processing

6 April 2020 - ASB has drawn criticism for its handling of Covid-19 mortgage requests, after asking customers to go direct rather than through their adviser.

Payment holidays won't affect credit scores; Licensing delay could hurt overachievers

3 April 2020 - Banks have quashed speculation that payment holidays will affect customers' credit scores and their ability to borrow in the future: [READ ON] A delay...

Bank margins under pressure; Will advisers leave the industry?

2 April 2020 - Bank margins are under pressure amid record low interest rates and lenders may not be able to cut mortgage rates much further, according to a new report...

Bank margins under pressure: KPMG

1 April 2020 - Bank margins are under pressure amid record low interest rates and lenders may not be able to cut mortgage rates much further, according to a new report from KPMG.

Advisers deal with client turmoil

26 March 2020 - Advisers say clients are asking for debt consolidation, moves to interest-only lending, and mortgage holidays, as the Covid-19 financial crisis takes hold.

HSBC launches sub 3% bank rate

26 March 2020 - HSBC has slashed mortgage rates below 3%, launching a new 18 month and one year loan rate at 2.95%.

Six-month mortgage holiday for borrowers

24 March 2020 - Borrowers affected by the coronavirus crisis will be offered a six-month mortgage holiday under new proposals drawn up by the Government.

Advisers head into uncharted territory

24 March 2020 - Mortgage advisers are changing their business models amid the coronavirus outbreak, and diversifying ahead of a downturn in the housing market.

Westpac latest to cut fixed rates

23 March 2020 - Westpac is the fourth bank to cut fixed rates after last week's official cash rate cut, dropping its one year term to 3.09%.

SBS and HSBC latest to cut floating rates

20 March 2020 - Two more banks have slashed fixed rates following the Reserve Bank's emergency Official Cash Rate on Monday.

Kiwibank cuts one year fixed rate

19 March 2020 - Kiwibank is the second bank to slash fixed rates after the Reserve Bank's OCR cut, dropping its one year to 3.09%.

ANZ launches record-low major bank rate

18 March 2020 - ANZ has slashed its fixed rate mortgages, launching the lowest ever one year rate offered by a major bank.

House prices to fall for six months: ASB

18 March 2020 - Property prices will fall for the next six months, with house price inflation slowing to 0% by next March, according to ASB economists.

More floating rate cuts, but what about fixed rates?

17 March 2020 - ANZ this morning passed on the 75 basis point OCR cut to its business and agri customers. ANZ, ASB, Westpac, Kiwibank, SBS, TSB, and The Co-Operative all...

Banks weigh up fixed rate cuts

17 March 2020 - Most borrowers are yet to benefit from the Reserve Bank's OCR cut, but banks say they are weighing up cuts to fixed rate mortgages.

Banks pass on floating rate cuts after OCR decision

16 March 2020 - Major banks have passed on rate cuts of 0.75% to floating rate borrowers following the Reserve Bank's emergency rate decision.

OCR cut: advisers predict slowdown

16 March 2020 - The Reserve Bank's decision to lower the official cash rate to 0.25% is good news for borrowers, but advisers fear Covid-19 will significantly slow activity in the housing market.

Will mortgage rates fall much further?

6 March 2020 - An official cash rate cut looks increasing likely amid the Covid-19 outbreak, but economists doubt mortgage rates will drop much further than current levels.

Heartland trials digital mortgage product

5 March 2020 - Heartland Group Holdings has launched a full-on challenge to the mainstream banks by taking aim at the most competitive part of banking: the mortgage market.

Turnaround times worsen; Housing NZ Corporation rate changes

4 March 2020 - Bank staff shortages and strong sales activity have made turnaround times worse than ever in 2020, according to advisers across the industry: [READ ON] Housing...

Turnaround times worsen

3 March 2020 - Bank staff shortages and strong sales activity have made turnaround times worse than ever in 2020, according to advisers across the industry.

Survey reveals tight lending concerns

3 March 2020 - Tight lending criteria has emerged as one of the top concerns facing advisers and borrowers in the first months of the year, according to a new survey.

ANZ pays $29.4 million over faulty loan calculator

2 March 2020 - ANZ will pay a further $29.4 million to customers after using a faulty loan calculator between 2015 and 2016.

Record January home lending

27 February 2020 - Last month saw the highest January home lending volumes since records began, according to the latest RBNZ data.

Propsa plans extra NZ funding

27 February 2020 - SME non-bank lender Prospa plans to bring in a "senior funder" to grow its New Zealand loan book, after recording a 37% increase in loan originations in the six months to December.

Prospa's first year in New Zealand

13 February 2020 - Beau Bertoli, joint CEO of non-bank business lender Prospa, sat down with TMM Online to discuss SME business opportunities for advisers, and lessons from the firm's first year in New Zealand.

Prospa offers advisers SME deal

11 February 2020 - Non-bank business lender Prospa has launched a new deal for SMEs, calling on advisers to support small business clients at the end of the tax year.

Headwinds for the commercial market

10 February 2020 - Tightening credit conditions could impact on New Zealand’s booming commercial property market, according to the Property Council’s chief executive.

Mortgage lending strong in December

29 January 2020 - December mortgage lending increased by more than $1 billion year-on-year, according to the latest figures from the Reserve Bank.

BNZ targets investor market

24 January 2020 - BNZ has dropped investor home loan rates to the same level as owner-occupier rates, as competition for a resurgent investor market heats up.

Low equity premiums: unfair and dishonest?

21 January 2020 - Banks have drawn criticism for charging high-LVR borrowers with "low equity premiums" and failing to notify them when they can switch to better...

Banks criticised over low equity premiums

21 January 2020 - Banks have drawn criticism for charging high-LVR borrowers with "low equity premiums" and failing to notify them when they can switch to better rates.

CFML secures $100 million funding line from Westpac

20 January 2020 - Non-bank lender Conrad Funds Management plans to increase mortgage lending in 2020 with a new $100 million funding line from Westpac.

Advisers hope for servicing test changes in 2020

14 January 2020 - With plenty of positives for the housing market outlook this year, advisers hope lenders will change their approach to servicing tests.

COMMENT: What lies ahead in 2020?

3 January 2020 - It’s that time of year when we are all contemplating what the year ahead has in store… So here’s GRA managing director Matthew Gilligan’s property market predictions for 2020.

Mortgage lending peaks in November

20 December 2019 - Mortgage lending soared to its highest level since June 2016 last month, according to new data from the Reserve Bank.

Non-bank lending soars

17 December 2019 - Non-banks ramped up lending by nearly 10% in the year to June as traditional lenders maintained tight controls, according to a new report from KPMG.

New infrastructure funding tool announced

16 December 2019 - Funding for infrastructure in new developments has long been a bottleneck in the drive to boosting housing supply so the Government is introducing a new tool to address the problem.

Warning on borrowing rates

9 December 2019 - The Reserve Bank's new capital regime will lead to greater increases in borrowing rates than its estimate, economists have warned.

Putting the RBNZ's new capital rules into perspective

6 December 2019 - There's been a lot written about the Reserve Bank's new capital rules for banks and some of it seems to miss the mark. Here's Tarawera Publishing managing director, Philip Macalister's, take after hearing from the governor yesterday.

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