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Articles tagged with 'Macro Prudential Tools'

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. 

Reserve Bank to ease loan-to-value ratio restrictions

28 November 2018 - The Reserve Bank says it will ease LVR restrictions. Here's what it said with the release of today's Financial Stability Report.

FSR Preview: Will the Reserve Bank loosen LVR restrictions?

27 November 2018 - The Reserve Bank will publish its latest Financial Stability Report tomorrow, with all eyes on whether it will loosen LVR restrictions. Some economists "expect" loosening, but others say recent heat in the market could cause the central bank to hold off.

Time to ease LVRs - ANZ

24 October 2018 - The Reserve Bank’s criteria for relaxing the existing LVRs have been sufficiently met to justify easing them further, according to ANZ economists.

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.

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.

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.

Acting RBNZ Governor reignites DTI ratio debate

14 March 2018 - While the Reserve Bank relaxed some of its lending restrictions earlier this year, don't think it's given up on using more tools in the future. Debt-to-income...

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.

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.

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.

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.

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.

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.

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.

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.

DTIs cost benefit analysis ordered

8 February 2017 - Another obstacle has been placed in the Reserve Bank’s path towards the introduction of debt-to-income ratios (DTIs).

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.

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.

DTIs not in the near future - economists

30 November 2016 - Concerns about the increase in debt relative to incomes mean the Reserve Bank want the tools to address the issue, but economists don't expect to see them introduced anytime soon.

Growing options for mortgage advisers

30 November 2016 - I was going to write about debt to income ratios, following the Reserve Bank's Financial Stability Report today. I'll leave that alone for another day, except to say holding off on introducing them is good news.

RBNZ asks for DTI tools

30 November 2016 - [UPDATED] The Reserve Bank has officially asked the Government for debt to income restriction tools, although it has no plans to immediately deploy them. Includes ASB comments.

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.

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.

OCR cut not on the cards - yet

16 September 2016 - Don’t expect another OCR cut this week: economists are uniformly predicting the Reserve Bank will leave the OCR on hold, but cut later this year.

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.

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

House prices growing risk for banks – S&P

23 August 2016 - Skyrocketing house prices mean New Zealand banks are facing increased economic risks and will now have higher risk weights, a global ratings agency has said.

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.

RBNZ defers start date for new LVR restriction

12 August 2016 - The Reserve Bank is deferring the start of the proposed changes to investor loan-to-value restrictions (LVRs) nationwide from 1 September to 1 October 2016, based on feedback from the banking industry from its recent consultation on the proposals.

Reserve Bank signals more OCR cuts

21 July 2016 - The Reserve Bank says more official cash rate cuts are likely as it fights to get inflation into its target range.

Warnings fly following RBNZ proposal

8 July 2016 - Frantic investor buying and increased squeeze on the rental market could be the end-result of further LVRs, investor advocates are warning.

Financial stability reason for unchanged OCR

9 June 2016 - The Reserve Bank may have left the OCR unchanged – due to a more upbeat economic assessment - this morning, but economists continue to expect a further cut to come.

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.

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.

Are more housing market curbs on the agenda?

19 April 2016 - Speculation over the prospect of further restrictions on the housing market has been growing, but the Reserve Bank is remaining silent.

RBNZ signals OCR cuts looming

28 January 2016 - Nobody was surprised by the Reserve Bank’s announcement this morning that the OCR will remain unchanged at 2.5%.

Housing market still a risk - RBNZ

11 November 2015 - There are no Reserve Bank plans for further investor restrictions, despite its housing market concerns.

More OCR cuts likely – despite housing concerns

14 October 2015 - Global economic concerns mean more “easing” of the OCR is likely, even though this could further fuel the already-hot housing market, the Reserve Bank Governor has said.

Limited low-deposit lending to investors

25 September 2015 - The bulk of lending to property investors will not be affected by the new loan-to-value restrictions, which come into effect from November.

Property prices to blame for S&P downgrade

18 August 2015 - Rampant Auckland property prices – as opposed to the banking and finance system itself - are to blame for Standard & Poor’s downgrading of New Zealand’s risk assessment.

Banks hit LVR brakes

21 July 2015 - Banks are closing the door on low-equity Auckland property investors, even before the Reserve Bank rules kick in.

OCR cut prompted by falling dairy prices

11 June 2015 - The Reserve Bank cut the OCR to 3.25% today after their concerns about dairy prices outweighed their Auckland housing market concerns.

New LVR rules to cut Auckland house price inflation

4 June 2015 - Up to 4% could be shaved off Auckland’s house prices - thanks to the Reserve Bank’s new LVR rules. Tighter LVR restrictions for Auckland investors...

Auckland landlords face new lending restrictions

13 May 2015 - Auckland property investors now have to have a 30% deposit to buy a rental under new rules proposed by the Reserve Bank. Here is what the bank said.

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Full Rates Table | Compare Rates

Lender Flt 1yr 2yr 3yr
ANZ 5.79 4.45 4.49 4.69
ANZ Special - 3.95 3.99 4.19
ASB Bank 5.80 4.49 4.49 4.45
ASB Bank Special - 4.09 3.99 3.95
BNZ - Mortgage One 6.50 - - -
BNZ - Rapid Repay 5.95 - - -
BNZ - Special - 4.05 3.99 3.95
BNZ - Std, FlyBuys 5.90 4.69 4.59 4.79
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 3.99 4.39
HSBC Premier LVR > 80% - - - -
HSBC Special - 3.69 3.69 3.95
Lender Flt 1yr 2yr 3yr
ICBC 5.79 3.99 3.99 4.49
Kiwibank 5.80 4.80 4.94 ▼4.84
Kiwibank - Capped - - - -
Kiwibank - Offset 5.80 - - -
Kiwibank Special - 4.05 3.99 ▼4.09
Liberty 5.69 - - -
Napier Building Society - - - -
Nelson Building Society 6.10 5.10 5.45 -
Resimac 5.30 4.86 4.46 4.69
RESIMAC Special - - - -
SBS Bank 5.89 4.85 5.05 5.49
Lender Flt 1yr 2yr 3yr
SBS Bank Special - 4.05 3.99 4.49
Sovereign 5.90 4.49 4.49 4.45
Sovereign Special - 4.09 3.99 3.95
The Co-operative Bank - Owner Occ 5.75 3.99 4.15 4.35
The Co-operative Bank - Standard 5.75 4.49 4.65 4.85
TSB Bank 5.80 4.55 4.49 4.65
TSB Special - 4.05 3.99 4.15
Wairarapa Building Society 5.70 4.85 4.99 -
Westpac 5.95 4.69 4.79 5.19
Westpac - Offset 5.95 - - -
Westpac Special - 4.05 3.99 3.95
Median 5.89 4.49 4.49 4.47

Last updated: 17 April 2019 8:49am

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