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Articles tagged with 'Lending'

Drama absent from market

16 January 2019 - There’s been no dramatic changes to property values of late and the traditional holiday season slowdown is likely to be one of the reasons.

Time of change: 2019 forecast

15 January 2019 - New Zealand’s property market might be in a better place than Australia’s but investors still need to brace themselves for major change in 2019.

Advisers welcome interest-only boost

10 January 2019 - The Australian Prudential Regulation Authority has relaxed restrictions on interest-only lending, and mortgage advisers hope the decision will have a positive impact on New Zealand's lending market. 

Mortgage lending to investors plummets

21 December 2018 - Investors may not be selling up en masse but they aren’t buying either – going by new data which shows the amount getting mortgage lending has dropped significantly.

Mortgage lending to investors plummets

20 December 2018 - Investors may not be selling up en masse but they aren’t buying either – going by new data which shows the amount getting mortgage lending has dropped significantly.

BNZ starts shared ownership scheme

10 December 2018 - BNZ is looking to lure first home buyers with a new shared ownership scheme, the first of its kind in New Zealand. 

LVR easing will prompt modest growth

28 November 2018 - Don’t expect the housing market to take off at a runaway pace following the Reserve Bank’s announcement that the LVR restrictions will be eased from early next year.

LVR restrictions eased for investors

28 November 2018 - The Reserve Bank has today loosened the LVR restrictions for both investors and owners-occupiers, with changes coming into effect in January. 

HSBC one year rate down to 3.79%

23 November 2018 - HSBC has cut its special one year fixed mortgage rate to 3.79%, as lenders dive in to the low interest rate environment.

Global recognition for Kiwi mortgage fintech firm

9 November 2018 - Mortgage fintech company Valocity, whose platform links borrowers, advisers and banks with property valuers, has been nominated for a prestigious global technology award.

Advisers account for increasing amount of ANZ loans

1 November 2018 - Mortgage advisers now make up an increasing amount of home loans being written by ANZ.

Investor lending falls in September

25 October 2018 - Mortgage lending to property investors fell to $1.01 billion last month amid ongoing tightening on interest-only credit, the latest Reserve Bank data shows.

Reserve Bank plans new rules on bank breaches

23 October 2018 - The Reserve Bank has proposed changes to the way banks report regulatory breaches, to place more focus on serious cases.

NZCU Baywide aims for first home buyers

18 October 2018 - NZCU Baywide has relaxed its requirements for first home buyers with a series of new features aimed at luring younger customers.

Payday lender moves into car finance

18 October 2018 - Payday loan company Moola is working on an instant car finance loan product which it hopes to roll out with advisers in the first few months of next year.

First home buyers pace setters: CoreLogic

17 October 2018 - First home buyers accounted for nearly one in four residential property buyers in the September quarter, rivalling investors, according to new research.

LVR restrictions could be cut by 5%: Kiwibank

11 October 2018 - The Reserve Bank could loosen LVR restrictions by 5% at next month’s Financial Stability Report, while 10% cut is "possible", according to Kiwibank economists.

NZFSG targets car finance growth

9 October 2018 - Adviser group NZFSG has taken its vehicle and asset financing processing in-house as it aims to ramp up car loan volumes.

Beyond The Banks – Alternative lending options in a restricted market

2 October 2018 - Sponsored Content - When the bank says NO!

First home buyers strong, investors return in July

29 August 2018 - The latest Reserve Bank lending data shows first time buyer activity remained strong in July, with property investors making a tentative comeback.

RESIMAC builds non-bank market share

24 August 2018 - RESIMAC Home Loans took a bigger slice of the non-bank adviser market last year, as overall applications rose by 32%. 

Lower long-term rates predicted

17 August 2018 - Advisers and economists have predicted lower interest rates for longer, after Westpac slashed its five year fixed rate by 60 basis points.

Consumers expect rate rise: ASB

16 August 2018 - Respondents to ASB’s latest Housing Confidence Survey expect interest rates to go up in the next 12 months, despite increasingly cautious language from the Reserve Bank.

Mortgage fraudsters jailed

3 August 2018 - A former BNZ banker and a lawyer have been handed jail terms for committing a $54 million mortgage fraud in Auckland and Hamilton.

OCR preview: Reserve Bank tipped to remain cautious

3 August 2018 - Kiwi economists believe Reserve Bank governor Adrian Orr will sound a cautious note on the economy next week, with little chance of an OCR rate increase, and an outside chance of a cut.

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.

Squirrel launches no-fee personal loans

27 July 2018 - Adviser Squirrel Mortgages has launched a no-fee loan product for homeowners looking to renovate and improve their properties.

Small banks growth outpace big banks

18 July 2018 - New Zealand’s smaller banks have grown their lending books at a faster pace then their big four Australian-owned peers in the March quarter.

Bank profits under pressure - KPMG

18 July 2018 - The era of record setting profits for New Zealand banks looks to be over with a new report revealing they saw a significant decline in the last quarter.

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.

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.

Guilty verdict for mortgage fraud trio

15 June 2018 - A former BNZ employee, a lawyer and the wife of a property developer have been found guilty of involvement in a $54 million mortgage fraud case.  

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.

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.

Spirit of caution in OCR call

22 March 2018 - Don’t expect interest rates to start rising anytime soon as the Reserve Bank’s decision to leave the OCR at 1.75% today makes it clear they remain on hold.

Multi-million mortgage fraud trial gets underway

27 February 2018 - The trial of three people allegedly involved in a complex $52 million dollar mortgage fraud scheme has now started at the Auckland High Court.

Lending criteria to ease, rates to rise

22 February 2018 - Tight bank lending conditions are expected to ease as credit growth continues to slow, global ratings agency Standard & Poors says.

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.

Exemption grows under FSLAB

23 January 2018 - An exclusion that allowed lawyers and accountants to give financial advice without being caught by the same regulations as financial advisers looks to have been extended under the new rules.

Giving mortgage advisers a voice

17 January 2018 - Professionalising the financial advice industry will change public perceptions of mortgage advisers and help them survive the disruptive technology challenges they face.

Committee members to lobby for advice strands

9 January 2018 - Members of Financial Advice New Zealand sub-committees say they plan to advocate for their advice strands as the new association is formed, and regulation overhauled.

New look General Finance to take on gaps in market

8 January 2018 - Filling a gap in the mortgage market will be the focus of non-bank lender General Finance following a buy-out by a group of investors, including Brent King.

Mortgage lending bounces back up

22 December 2017 - There’s evidence of the housing market’s Spring rebound in the Reserve Bank’s latest mortgage lending data – but it’s not property investors who have significantly upped their borrowing.

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.

Future of financial services

19 December 2017 - Artificial intelligence (AI) has hit New Zealand’s mortgage sector with the launch this week of a chat bot aimed at first home buyers.

Inescapable impact of credit cards

18 December 2017 - The impact of having a credit card on mortgage borrowing ability should be well-known – but it’s not, one prominent adviser says.

Non-bank sector booming

14 December 2017 - Advisers are increasingly beating a track to the doors of non-bank lenders who are benefitting from the tightening up of bank lending.

Financial Advice NZ recruiting

12 December 2017 - New professional association Financial Advice NZ appears to be addressing concerns about how it will represent all strands of advice, by opting for a system of colleges.

Westpac ups rental income allowance

4 December 2017 - Changes to Westpac’s qualifying income assessments mean that investors will now be able to claim 80% of their rental income as part of their income calculation.

RESIMAC turns five

1 December 2017 - Lending times have changed and, in its five years in New Zealand, RESIMAC has embraced those changes and thrived.

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. 

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.

BNZ first bank to market with online lodgement tool

13 November 2017 - BNZ is set to launch an electronic lodgement process to help advisers and improve turnaround times on loan applications.

RESIMAC offering to refund first month of loan P&I

2 November 2017 - RESIMAC is offering to repay the first month's principal and interest on for new borrowers when they take out either a specialist or low-doc loan with the company.

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.

HomeStart boost could drive prices up

11 September 2017 - The National Party has promised to increase the funds available to first home buyers under the HomeStart grant but critics say that will simply drive up house prices.

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.

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.

ASB lauds fixed rate rollovers

9 August 2017 - ASB talked up its investments in digital technology, such as its fixed rate rollover tool, when it announced its first-ever $1 billion profit, but one of its first ventures into offering new services to customers looks doomed.

Future could hold OCR cuts

6 August 2017 - Think the OCR will stay on hold this week? So do economists – but some also say there is growing scope for the Reserve Bank to cut again.

PAA hands out gongs, but not to lenders

4 August 2017 - The PAA handed out its excellence awards, designed to recognise the passion, pride, professionalism and general excellence in the mortgage advice industry.

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.

Decline in banking sector profits - KPMG

12 July 2017 - Bank profits dropped in the first part of this year – despite the housing loan driven growth of their loan books.

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.

Westpac scraps online app process

9 June 2017 - Lack of use has led Westpac to ditch its digital mortgage application system for mortgage brokers from June 1.

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.

Appeal loss for mortgage fraudster

6 June 2017 - Former Auckland socialite Eli Devoy has lost her appeal against her convictions and sentence for her involvement in a $9.2 million mortgage fraud scheme.

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.

Broker concerns referred to FMA

12 April 2017 - Concerns over the activities of brokers at Brilliant Finance Ltd have led Mortgage Express to cut their ties with them and go to the Financial Markets Authority (FMA).

Interest-only loans come under the spotlight

11 April 2017 - Australia’s interest-only loan crackdown could lead to a tightening up on the rules in New Zealand.

Lending growth will slow – S&P

6 April 2017 - Recent increases in mortgage rates are set to continue, but this will help ease the risks house price inflation poses to New Zealand banks, Standard & Poors says.

Challenging times for credit unions

4 April 2017 - Increasing funding pressure means credit unions are facing new challenges but they believe their traditional, old school approach offers opportunities to customers.

Risk based pricing for Co-op Bank personal loans

31 March 2017 - Personalised rates based on credit scores will now be available for personal loans at the Co-operative Bank which has adopted a risk-based approach to applications.

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.

Quiet on the investor lending front

31 January 2017 - Investor lending activity is clearly more subdued reveals the latest mortgage lending data, which adds emphasis to the picture of a much slower housing market.

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.

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.

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.

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.

Prospect of DTIs looms larger

25 October 2016 - Controversial debt-to-income ratios (DTIs) have moved a step closer.

Tough lending times for investors

11 October 2016 - Funding costs are getting steeper for investors as banks charge higher margins and the lending environment tightens, mortgage brokers are warning.

Steep decline in investor lending

26 September 2016 - New Reserve Bank mortgage lending data leaves little doubt that the new investor-targeted LVRs have had a significant impact on bank lending to investors - lending to Auckland landlords dropped by almost 20%.

New LVR rules clarified, confirmed

5 September 2016 - Greater clarification of the details surrounding new lending requirements has come today with the Reserve Bank’s confirmation of its latest investor-targeted LVRs.

Lower mortgage rates unlikely - ANZ

1 September 2016 - The Reserve Bank is likely to cut the OCR further, but borrowers shouldn’t expect mortgage rates to keep pace with the cuts, it has been suggested.

Rising pressures impact on Kiwibank

26 August 2016 - Competitive market and increasing funding costs mean Kiwibank has experienced a small drop in its annual after tax profits.

Looming LVRs impact on mortgage lending

24 August 2016 - New LVR restrictions seem to be affecting mortgage demand already, with the Reserve Bank’s latest residential lending data showing a big dip in mortgage lending

Finding solutions to investor LVR

18 August 2016 - The Reserve Bank’s new investor-targeted LVR rules come into effect on 1 October, but there are solutions to the restrictions for investors willing to...

New LVR start date delayed

12 August 2016 - The Reserve Bank has delayed the start date of new LVRs aimed at investors from 1 September to 1 October 2016, following banking industry feedback.

ASB profits up; Not worried about Auckland house prices

10 August 2016 - Growth in its lending book has helped ASB report a sixth-straight annual profit increase while net interest margins have been squeezed.

Apartment size key to future lending

4 August 2016 - Smaller, cheaper apartments will be part of Auckland’s future, under the Unitary Plan, but experts say banks apartment lending criteria could be a problem.

Bank risk real LVR target

4 August 2016 - Mitigation of bank risks, rather than dramatic house price correction, is the likely outcome of the Reserve Bank’s new LVRs, financial experts say.

HomeStart changes meant to open up market

1 August 2016 - Steep increases in house prices around the country have led the government to boost the income and house price caps in the KiwiSaver HomeStart scheme.

Solvency key for self-employed borrowers

29 July 2016 - Cash flow should always be king for self-employed borrowers and advisers need to remember that, according to an ANZ business expert

Fall in mortgage lending

27 July 2016 - Drop in new mortgage lending in June’s Reserve Bank data suggests slowing demand – and it occurred before last week’s announcement that further LVR restrictions are coming.

Mortgage lending hits record high

27 June 2016 - Mortgage lending was up again in May and nearly half of it was in interest only loans, the Reserve Bank’s new, more detailed lending data reveals.

Borrowing frenzy risks

22 June 2016 - New Zealand’s high level of mortgage lending has been in the spotlight recently and commentators are warning that’s for good reason.

Banks tighten belt on foreign borrowing

14 June 2016 - Home loans for overseas buyers have become more difficult as ASB is the latest bank to limit its foreign borrowing. Read more. ...

LVR restrictions stopped $20 bill of lending

9 June 2016 - The Reserve Bank governor Graeme Wheeler says the LVR restrictions introduced by the bank have been "very successful".

Investors’ mortgage lending share up

26 May 2016 - New Reserve Bank lending data leaves little doubt that investors are busy in the current market.

Expect more lending restrictions soon

17 May 2016 - New macro-prudential measures to curb the housing market could be introduced within the next three months, one bank economist has suggested.

Former bank board member joins GFS

16 May 2016 - Global Financial Services’ has appointed a new board member, which it says will give added drive to the mortgage broker’s transition from a family business to corporate organisation.

Final call in MTF case

12 May 2016 - Lender credit fees precedent established after Supreme Court dismisses Motor Trade Finances Ltd (MTF) appeal.

LVR measures on the horizon

11 May 2016 - Further LVR restrictions may be off the table for the time being, but economists still believe more macro-prudential measures are on the way.

Ensure full disclosure - ComCom

5 May 2016 - Failure to disclose all the required information to mortgage borrowers could cost lenders, the Commerce Commission has warned.

ANZ profits drop in half year results

3 May 2016 - Half year profits are down at New Zealand’s biggest bank, ANZ revealed today.

Rise in investor lending reflects strong market

28 April 2016 - More evidence of the surging strength of the housing market comes in new data showing mortgage lending, including to investors, is up across the board.

New kid on the block

31 March 2016 - There's a new player in the home loans industry with Freedom Home Loans entering the market. Read here. ...

New kid on the block

29 March 2016 - Home loans industry gains another player as Freedom Home Loans enters the broking market.

Investor lending picks up

24 March 2016 - Lazy, hazy days of the summer market are over as new data shows investor lending is on the rise again.

Downward trend for investor lending

25 February 2016 - Recent slowdown in Auckland’s housing market seems to be reflected in new data which shows a big drop in investor lending.

Lifestyle matters for banks

18 February 2016 - An Auckland mortgage broker says she has noticed banks taking lifestyle factors into consideration much more when processing home loan applications. Read...

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Mortgage Rates Table

Full Rates Table | Compare Rates

Lender Flt 1yr 2yr 3yr
ANZ 5.79 4.55 4.79 4.99
ANZ Special - 4.05 4.29 4.49
ASB Bank 5.80 4.45 4.69 4.89
ASB Bank Special - 4.05 4.29 4.49
BNZ - Mortgage One 6.50 - - -
BNZ - Rapid Repay 5.95 - - -
BNZ - Special - 4.10 4.29 4.49
BNZ - Std, FlyBuys 5.90 4.69 4.79 4.99
BNZ - TotalMoney 5.90 - - -
Credit Union Auckland 6.70 - - -
Credit Union Baywide 6.15 5.20 5.25 -
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 4.70 4.85 -
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% - 3.79 - -
HSBC Special - - - -
Lender Flt 1yr 2yr 3yr
ICBC 5.80 4.59 4.69 5.09
Kiwibank 5.80 4.55 4.94 4.99
Kiwibank - Capped - - - -
Kiwibank - Offset 5.80 - - -
Kiwibank Special - 4.05 4.19 4.49
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 - 4.15 4.29 4.49
Sovereign 5.90 4.45 4.69 4.89
Sovereign Special - 4.05 4.29 4.49
The Co-operative Bank - Owner Occ 5.75 4.10 4.35 4.49
The Co-operative Bank - Standard 5.75 4.60 4.85 4.99
TSB Bank 5.80 4.55 4.69 4.99
TSB Special - 4.05 4.19 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 - ▼3.99 4.29 4.59
Median 5.89 4.55 4.69 4.89

Last updated: 17 January 2019 9:49pm

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