We have increases to fixed rates across the board today from BNZ, ASB, Bank Direct and Sovereign. When you look at the rates table here there's a lot of red ink.
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1. We have chosen to ignore the recent cut to the OCR, and use the profits to pay our executives higher salaries
2.Banking is about business and is nothing about having a social conscience or morals, and if we can screw some more money out of ignorant borrowers, we will continue to do so
3. There is nothing to stop us, we will raise rates whenever we feel like it, the government would never intervene
4.Usury is legal in New Zealand
5. We can always take advantage of the general apathy and ignorance of borrowers, after all there is only one comment from all our thousands of borrowers in this column