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Articles tagged with 'DTIs'

DTI borrowing at lowest levels since 2017

21 May 2024 - The Reserve Bank could be weeks away from introducing debt-to-income restrictions.

DTIs need deeper analysis

20 March 2024 - A cost benefit analysis of debt-to-income restrictions needs to be done before they go any further, BusinessNZ says.

Property investors should consult mortgage advisers on DTI impacts

12 February 2024 - A property finder is urging investors to consult their mortgage adviser on how debt-to-income (DTI) restrictions, which RBNZ will probably implement about mid-year, will affect their buying power.

DTIs will be hard on start-ups

5 February 2024 - Start-ups will be hit hard if the RBNZ introduces debt-to-income (DTI) restrictions later this year.

Avanti gets new CEO;DTIs on investment property don’t make sense

18 January 2024 - Avanti lands former ANZ executive to take over as its chief executive. [READ ON] As experts expect property prices to rise between 5-10% this year, the...

DTIs on investment property don’t make sense

18 January 2024 - As experts expect property prices to rise between 5-10% this year, the biggest dampener will be debt-to-income (DTI) ratios if introduced towards the middle of the year.

Uncertainty over DTI effects

8 January 2024 - As the Reserve Bank gears up to consult on the level, possible exemptions and speed limits for debt-to-income restrictions, CoreLogic’s chief property economist says it is difficult to know whether they have worked in other countries.

Debt-to-income still in the melting pot

12 December 2023 - Finance Minister Nicola Willis is waiting on RBNZ advice before deciding whether debt-to-income (DTI) restrictions should be implemented. [READ ON] ...

DTIs still in the melting pot

12 December 2023 - Finance Minister Nicola Willis is waiting on RBNZ advice before deciding whether debt-to-income (DTI) restrictions should be implemented.

Borrowers shying away from too much debt

19 May 2023 - As the Reserve Bank continues its consultation on new debt-to-income ratios to be in its toolbox by March next year, it’s latest data show mortgage borrowers taking on less debt.

How DTIs will affect mortgage advisers

8 May 2023 - If the Reserve Bank implements its debt-to-income (DTI) restrictions tool, it will put enormous pressure on mortgage advisers, says David Green of Advice HQ.

How DTIs will affect investors

4 May 2023 - The recent moves by the Reserve Bank to finalise its debt-to-income (DTI) restrictions tool has sparked discussion and surprise amongst property investor.

[WATCH] Bolton changes views on DTIs, thinks LVRs need to be wound back

22 March 2023 - Veteran mortgage broker John Bolton thinks Debt to Income (DTI) ratios for lending control are not such a bad thing after all.

RBNZ to press on with DTIs

27 April 2022 - The Reserve Bank plans to press ahead and design one of two proposed income-based controls on home lending.

RBNZ adds new option to DTI consultation

24 November 2021 - The Reserve Bank (RBNZ) has started consultation on debt-to-income ratios, but added a new, and more sensible option.

BNZ gets more business from advisers, but that may change

10 November 2021 - Mortgage advisers are writing an increasing share of BNZ's home loans but that may change following its decision to implement debt-to-income limits on the channel.

Reserve Bank gives more details on DTIs

3 November 2021 - The RBNZ has moved a lot closer to bringing in Debt to Income (DTI) limits on loans.

BNZ first bank to introduce DTIs

29 October 2021 - BNZ has announced sweeping new restrictions on borrowing.

Fall in real house prices expected by Reserve Bank

20 August 2021 - The Reserve Bank is now predicting house prices will actually start falling from the third quarter of next year.

Beating up investors with yet more regulations

10 August 2021 - Investors had best hope come the middle of 2022 that house prices have not gone up by another 10%, writes Sally Lindsay.

Reserve Bank gets serious about 'risky lending'

3 August 2021 - The Reserve Bank of New Zealand is looking at ways to tighten up mortgage lending standards in another effort to slow down a rampant housing market.

Housing streaks past $1.5 trillion but growth stalling

1 July 2021 - Growth in house prices is starting to fall but at a snail’s pace.

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.

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.

DTIs rising sharply

19 May 2021 - Debt to income ratios continue to soar in New Zealand according to the latest Reserve Bank data, with more than $1 billion loaned to Auckland borrowers at a DTI greater than five in March.

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. 

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. 

Housing crisis a supply issue

14 December 2020 - Economists at Kiwibank say DTIs and LVR restrictions will have a "near-term" impact on housing demand, but argue supply-side changes are the key to fixing the housing crisis. 

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.

First home buyers taking risks; Advisers react to DTI talk

30 November 2020 - Advisers report that first home buyers are taking dangerous risks on auctions as they try to compete in an overheated market: [READ ON] Mortgage advisers...

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

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.

Financial Stability Report: DTI and high-risk lending a concern

25 November 2020 - The Reserve Bank's latest Financial Stability Report highlights rising debt-to-income ratios and high LVR lending as the main risks in the New Zealand mortgage market. 

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.

DTIs still on the Reserve Bank’s radar

12 August 2019 - Almost half of Auckland first home buyers have mortgages that are over five times their annual income – and that makes debt-to-income (DTI) ratios a hot topic again.

Golden rates age set to last

28 May 2019 - There’s no need to worry about interest rates in connection to mortgage debt for the next few years, according to Kiwibank’s chief economist.

Owner occupiers better protected now: RBNZ (+ Report)

17 July 2018 - New owner-occupier mortgage holders have become less vulnerable to a housing market bust, higher interest rates or income loss since the Reserve Bank introduced the LVRs.

DTIs will be looked at again

8 June 2018 - The Reserve Bank of New Zealand has confirmed the second phase of a review into the Reserve Bank Act will look at its macro-prudential toolkit, likely...

Next phase of RBNZ review likely to assess DTIs

7 June 2018 - The Reserve Bank of New Zealand has confirmed the second phase of a review into the Reserve Bank Act will look at its macro-prudential toolkit, likely to include debt-to-income ratios for home loans.

Acting RBNZ Governor reignites DTI ratio debate

14 March 2018 - Outgoing Grant Spencer calls debt servicing ratios “natural complement” to existing system

DTI proposal on hold

29 November 2017 - Controversial debt-to-income ratios (DTIs) have been put on the back-burner by the Reserve Bank – for the foreseeable future.

LVR speculation rife ahead of FSR

28 November 2017 - Expectations that the Reserve Bank might loosen the LVRs in this week’s Financial Stability Report (FSR) are running high, but economists don’t think it will happen – yet.

Staunch opposition to DTI proposal

24 November 2017 - Opposition to the inclusion of debt-to-income ratios (DTIs) in the Reserve Bank’s macro prudential tool kit is widespread, the bank’s own consultation reveals.

PM rules out DTI ratio idea

16 August 2017 - Prime Minister Bill English has ruled out allowing the Reserve Bank to bring in debt-to-income ratios. It had suggested limiting loans to no more than five times borrowers’ incomes.

SBS eyes partnership with mortgage advisers

1 August 2017 - The bank says around a third of its business now comes from advisers and chief executive Shaun Drylie gives his views on commission models.

SBS eyes 'partnership' with mortgage advisers

14 July 2017 - The bank says around a third of its business now comes from advisers and chief executive Shaun Drylie gives his views on commission models.

DTIs would cut thousands out of market

8 June 2017 - Around 11,000 people a year could be prevented from buying properties if the Reserve Bank was to deploy debt-to-income ratios (DTI), the Bank has estimated.

RBNZ renews push for DTIs

31 May 2017 - UPDATED: Ongoing risks posed by the housing market mean the Reserve Bank is set to start consulting on the addition of debt-to-income ratios (DTIs) to its policy toolkit.

DTIs should be in RBNZ toolkit - IMF

7 March 2017 - Debt-to-income ratios (DTIs) and the redirection of tax incentives away from housing would help tackle the risks posed by New Zealand’s housing market, the IMF says.

Debt-to-income ratios on hold...for now

10 February 2017 - The Reserve Bank governor has said they will not be implementing debt-to-income ratios right now to curb the housing market. READ MORE.   ...

Progress of DTIs stalls

13 December 2016 - Prospective debt-to-income ratios (DTIs) have hit a stumbling block on the road to their arrival due to Finance Minister Bill English’s ascension to Prime Minister.

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Lender Flt 1yr 2yr 3yr
AIA - Back My Build 6.19 - - -
AIA - Go Home Loans 8.74 7.14 6.75 6.39
ANZ 8.64 7.74 7.39 7.25
ANZ Blueprint to Build 7.39 - - -
ANZ Good Energy - - - 1.00
ANZ Special - 7.14 6.79 6.65
ASB Bank 8.64 7.14 6.75 6.39
ASB Better Homes Top Up - - - 1.00
Avanti Finance 9.15 - - -
Basecorp Finance 9.60 - - -
Bluestone 9.24 - - -
Lender Flt 1yr 2yr 3yr
BNZ - Classic - 7.14 6.79 6.65
BNZ - Green Home Loan top-ups - - - 1.00
BNZ - Mortgage One 8.69 - - -
BNZ - Rapid Repay 8.69 - - -
BNZ - Std, FlyBuys 8.69 7.74 7.39 7.25
BNZ - TotalMoney 8.69 - - -
CFML Loans 9.45 - - -
China Construction Bank - 7.09 6.75 6.49
China Construction Bank Special - - - -
Co-operative Bank - First Home Special - 6.79 - -
Co-operative Bank - Owner Occ 8.40 6.99 6.79 6.65
Lender Flt 1yr 2yr 3yr
Co-operative Bank - Standard 8.40 7.49 7.29 7.15
Credit Union Auckland 7.70 - - -
First Credit Union Special - 7.45 7.35 -
First Credit Union Standard 8.50 7.99 7.85 -
Heartland Bank - Online 7.99 6.89 6.55 6.35
Heartland Bank - Reverse Mortgage - - - -
Heretaunga Building Society 8.90 7.60 7.40 -
HSBC Premier 8.59 - - -
HSBC Premier LVR > 80% - - - -
HSBC Special - - - -
ICBC 7.85 7.05 6.69 6.59
Lender Flt 1yr 2yr 3yr
Kainga Ora 8.64 7.79 7.39 7.25
Kainga Ora - First Home Buyer Special - - - -
Kiwibank 8.50 7.99 7.79 7.55
Kiwibank - Offset 8.50 - - -
Kiwibank Special - 6.99 6.79 6.65
Liberty 8.59 8.69 8.79 8.94
Nelson Building Society 9.00 7.75 7.35 -
Pepper Money Advantage 10.49 - - -
Pepper Money Easy 8.69 - - -
Pepper Money Essential 8.29 - - -
Resimac - LVR < 80% 8.84 8.09 7.59 7.29
Lender Flt 1yr 2yr 3yr
Resimac - LVR < 90% 9.84 9.09 8.59 8.29
Resimac - Specialist Clear (Alt Doc) - - 8.99 -
Resimac - Specialist Clear (Full Doc) - - 9.49 -
SBS Bank 8.74 7.74 7.29 6.59
SBS Bank Special - 7.14 6.69 5.99
SBS Construction lending for FHB - - - -
SBS FirstHome Combo 6.19 6.14 - -
SBS FirstHome Combo - - - -
SBS Unwind reverse equity 9.95 - - -
Select Home Loans 9.24 - - -
TSB Bank 9.44 7.79 7.55 7.45
Lender Flt 1yr 2yr 3yr
TSB Special 8.64 6.99 6.75 6.65
Unity 8.64 6.99 6.79 -
Unity First Home Buyer special - 6.55 6.45 -
Wairarapa Building Society 8.60 6.95 6.85 -
Westpac 8.64 7.89 7.35 7.25
Westpac Choices Everyday 8.74 - - -
Westpac Offset 8.64 - - -
Westpac Special - 7.29 6.75 6.65
Median 8.64 7.21 7.29 6.65

Last updated: 20 May 2024 10:01am

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