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Articles tagged with 'LVR'

ASB offers KiwiBuild sweeteners

7 September 2018 - ASB is offering a $2,500 sweetener to KiwiBuild home buyers and 95 percent mortgages for eligible customers.

Kiwibank offers 90% KiwiBuild mortgages

13 August 2018 - Kiwibank is offering first home buyers 90% mortgages on KiwiBuild homes, with an extra $2000 for moving and legal expenses.

Mike Pero Mortgages boss warns of “forensic underwriting”

1 August 2018 - Mike Pero Mortgages boss Mark Collins has warned lenders are conducting “forensic underwriting” on expenses when assessing loans, amid tightening credit conditions.

Mortgage lending falls in June

25 July 2018 - Latest data from the Reserve Bank shows mortgage lending tapered off in June following a strong surge in May.

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.

ASB predicts “mild” OCR increase

5 July 2018 - Lender ASB believes there will be a “mild” tightening cycle at the Reserve Bank, with floating and fixed rate mortgages expected to remain stable until the end of next year.

Kiwibuild eligibility criteria revealed

4 July 2018 - The government has revealed which customers will be able to snap up one of the 100,000 new homes being built as part of the Kiwibuild programme.

Mortgage lending hits two year high

28 June 2018 - Mortgage lending is flying in the face of the cooler housing market with Reserve Bank data showing May saw the highest level of new lending in nearly two years.

Housing affordability down in major cities

13 June 2018 - The government’s latest data on housing affordability reveals a growing number of first time buyers have “below average income” after housing costs.

NZCU Baywide to offer 95% mortgages

7 June 2018 - Hawke's Bay credit union NZCU Baywide has increased its LVR limit to 95% and will now lend up to $600,000.

LVR easing not on cards

30 May 2018 - Hopes that the Reserve Bank might be gearing up to ease the LVRs further have been dashed by this morning’s Financial Stability Report (FSR).

Latest RBNZ figures reveal first time buyer boom

24 May 2018 - Last month, first time buyers took their highest share of the mortgage lending market in over a decade, according to new figures from the Reserve Bank.

Property investors “bounce back” in February: ANZ

19 April 2018 - Investors have crept back into the New Zealand market after a tough January, lender ANZ says.

Core Finance relaxes lending criteria

16 April 2018 - Second mortgage specialist Core Finance has relaxed its lending criteria in response to a cooling Auckland property market.

ANZ increases servicing rate for loans

11 April 2018 - ANZ has raised the servicing rate required for mortgage approvals, according to advisers.

ANZ: first time buyers are back

6 April 2018 - First time buyers have made a comeback in New Zealand, making up 22% of all home purchases in the three months to December, according to ANZ.

Wide variation in stress testing thresholds

3 April 2018 - Variations in stress testing thresholds and servicing conditions between lenders can have a major impact on an applicant’s borrowing power.

LVR changes impact on lending

27 March 2018 - The slight easing of the LVRs appears to be encouraging investors into mortgages with new Reserve Bank data showing a pick-up in lending to investors.

Low interest rates set to continue

8 February 2018 - Interest rates look set to remain low for a considerable amount of time following the Reserve Bank’s Monetary Policy Statement (MPS) and OCR call this morning.

New low for investor mortgage share

30 January 2018 - Investors are continuing to feel the pinch of policy restraints with new data showing another drop in their take up of new mortgage lending.

ANZ adjusts deposit requirements

21 December 2017 - The Reserve Bank’s easing of the LVRs has prompted New Zealand’s biggest bank to follow suit and loosen up its lending requirements.

LVR changes won’t prompt market frenzy

4 December 2017 - The Reserve Bank’s easing of the LVRs could give some upward momentum to house prices but economists are not expecting the market to take off again.

LVR easing sooner than expected

29 November 2017 - The Reserve Bank’s decision to start relaxing the LVR restrictions early next year, which was announced in today’s Financial Stability Report, has taken economists by surprise.

RBNZ to ease LVR restrictions

29 November 2017 - The Reserve Bank says it will make some slight easing of the LVR restrictions from January 1. 

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.

Bank credit rationing a myth: Healy

24 November 2017 - The common refrain heard from mortgage advisers is that banks are rationing credit, making it hard to get mortgages approved. But banks deny that's happening and blame the Reserve Bank.

LVR restrictions to be reviewed

9 November 2017 - The end of loan-to-value restrictions could be in sight.  

Mortgage advisers key players in credit union’s success

1 November 2017 - A Hawke’s Bay-based credit union is attributing much of its recent success to their developing partnerships with mortgage brokers throughout New Zealand.

No case to end LVRs – S&P

14 September 2017 - There is no case for the Reserve Bank to relax the LVRs as the housing market remains a risk to New Zealand’s banking system, according to Standard & Poors.

LVRs still needed - RBNZ

30 August 2017 - The Reserve Bank’s LVRs are not expected to be a permanent measure but they are not going to be removed in the near future, outgoing Governor Graeme Wheeler said in a speech today.

Softer market better time to buy

25 August 2017 - Good news for advisers: softer price growth is starting to improve perceptions of whether it is a bad time to buy a house, a new survey suggests.

Investor lending exodus

25 August 2017 - It is investors, not first home buyers, who are bearing the brunt of the LVRs and retreating from the borrowing arena, new Reserve Bank data shows.

Where to for LVRs?

22 August 2017 - There is no compelling case to roll back the Reserve Bank’s LVRs despite the slowing of the housing market, according to Westpac economists. [Read...

LVRs are not going anywhere

21 August 2017 - There is no compelling case to roll back the Reserve Bank’s LVRs despite the slowing of the housing market, according to Westpac economists.

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.

Bumpy lending ride continues

26 July 2017 - Evidence that investors dependent on mortgages are exiting the property market in significant numbers looms large in the latest Reserve Bank data.

Investor lending decline continues (+GRAPH)

28 June 2017 - Investors’ share of new mortgage lending dropped again in May although the amounts loaned were up, new Reserve Bank lending data reveals.

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.

Investor lending remains in check

24 May 2017 - Restraints on the housing market are still doing their job with new residential mortgage lending down again in April, according to the Reserve Bank’s latest lending data.

Auckland affordability a credit negative - Moodys

8 March 2017 - Poor housing affordability in Auckland is a credit negative for New Zealand covered bonds backed by mortgages in the city, according to a global ratings service.

Decline in investor lending continues

27 February 2017 - Ongoing downward trend in investor lending is exposed by the Reserve Bank’s latest mortgage lending data, which highlights the housing market’s slowdown.

Volatility leads to tighter lending environment

16 February 2017 - Expect slower lending growth and rising interest rates this year as banks respond to developments in 2016, the latest KPMG Financial Institutions Performance Survey says.

DTIs not needed right now - RBNZ

9 February 2017 - The Reserve Bank would not implement controversial debt-to-income ratios (DTIs) right now if it had them in its macro-prudential toolkit, the bank’s governor says.

Questions over future RBNZ policy

8 February 2017 - Future Reserve Bank policy targets – and their wider impact - is the topic on many lips following the announcement the bank’s governor will step down later this year.

Surprise spike in mortgage lending

21 December 2016 - Evidence that the effect of the latest LVR restrictions might be diminishing comes in new data which reveals a big jump in mortgage lending – including to investors.

Rising rates, quieter market

16 December 2016 - Higher mortgage rates will have a more sustained impact on the housing market than the LVR restrictions have, according to Westpac.

Downbound trend for investor lending

24 November 2016 - There is now little doubt that the new LVR restrictions are having a significant impact on property investor activity, with lending in this area slumping to new lows.

DTIs not on the cards yet - RBNZ

10 November 2016 - The Reserve Bank might want debt-to-income ratios (DTIs) as part of its arsenal but it doesn’t intend to introduce them into the regulatory mix at this stage.

Fall in investor lending continues

27 October 2016 - New investor-focused LVRs have led to a free fall in bank lending to investors, the Reserve Bank’s latest mortgage lending data reveals.

LVR restrictions to be reviewed

30 November -0001 - Reserve Bank has indicated that they will be reviewing the criteria for relaxing the loan to value (LVR) restrictions.  

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Full Rates Table | Compare Rates

Lender Flt 1yr 2yr 3yr
ANZ 5.79 4.69 4.85 4.99
ANZ Special - 4.19 4.35 4.49
ASB Bank 5.80 4.59 4.75 4.79
ASB Bank Special - 4.19 4.35 4.39
BNZ - Mortgage One 6.50 - - -
BNZ - Rapid Repay 5.95 - - -
BNZ - Special - 4.19 4.35 4.49
BNZ - Std, FlyBuys 5.90 4.89 5.05 5.25
BNZ - TotalMoney 5.90 - - -
Credit Union Auckland 6.70 - - -
Credit Union Baywide 6.15 5.45 5.50 -
Lender Flt 1yr 2yr 3yr
Credit Union North 6.45 - - -
Credit Union South 6.45 - - -
Finance Direct - - - -
First Credit Union 5.85 - - -
Heartland 6.70 7.00 7.25 7.85
Heartland Bank - Online - - - -
Heretaunga Building Society 5.75 4.90 4.95 -
Housing NZ Corp ▲5.80 ▼4.69 ▼4.79 ▼4.79
HSBC Premier 5.89 3.99 4.19 4.69
HSBC Premier LVR > 80% - - - -
HSBC Special - - - -
Lender Flt 1yr 2yr 3yr
ICBC 5.80 4.59 4.69 5.09
Kiwibank 5.80 4.69 4.89 5.35
Kiwibank - Capped - - - -
Kiwibank - Offset 5.80 - - -
Kiwibank Special - 4.19 4.39 4.85
Liberty 5.69 - - -
Napier Building Society - - - -
Nelson Building Society 6.10 5.10 5.45 -
Resimac 5.30 4.86 4.94 5.30
RESIMAC Special - - - -
SBS Bank 5.89 4.85 5.05 5.49
Lender Flt 1yr 2yr 3yr
SBS Bank Special - 4.19 4.49 4.85
Sovereign 5.90 4.59 4.75 4.79
Sovereign Special - 4.19 4.35 4.39
The Co-operative Bank - Owner Occ 5.75 ▼4.19 ▼4.39 ▼4.49
The Co-operative Bank - Standard 5.75 ▼4.69 ▼4.89 ▼4.99
TSB Bank 5.80 4.74 4.79 4.99
TSB Special - 4.24 4.29 4.49
Wairarapa Building Society 5.70 4.85 4.99 -
Westpac 5.95 ▼4.69 ▼4.79 ▼5.19
Westpac - Offset 5.95 - - -
Westpac Special - 4.29 ▼4.35 ▼4.49
Median 5.89 4.69 4.79 4.85

Last updated: 21 September 2018 11:16am

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