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Articles tagged with 'RBNZ'

RBNZ proposals will slow credit growth: Kiwibank

17 December 2018 - Reserve Bank proposals for banks to hold significantly more cash on their balance sheets will lead to slower credit growth and rising interest rates, Kiwibank economists have warned.

Climate change insurance threat

30 November 2018 - Sceptical about climate change? If you own coastal property it would pay not to be, both the Reserve Bank and the Insurance Council are warning.

RBNZ clearly has life insurance commission in its sights

28 November 2018 - Insurance advisers' commissions have come in for heavy criticism again, this time from the Reserve Bank. 

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 loosening: advisers react

28 November 2018 - Advisers say the Reserve Bank’s decision to loosen LVR restrictions will boost homebuyers, but warn tighter credit and loan servicing conditions will restrain volumes.

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. 

LVR restrictions eased for investors and owner-occupiers

28 November 2018 - The Reserve Bank has loosened LVR restrictions, with changes coming into effect in January. Banks will be able to provide 20% of their owner-occupier loans to borrowers with a deposit of less than 20%. While lenders will be able to allocate 5% of new investor loans to borrowers with less than a 30% deposit. 

First home buyers outshine investors

27 November 2018 -  Investor lending remained flat in October while first home buyers continued their strong resurgence in the property market, latest RBNZ data shows.

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.

ASB predicts mild OCR cycle

19 November 2018 - ASB's quarterly outlook for the New Zealand economic predicts "sunny skies ahead", with low rates until the second half of 2020 and a peak of just 2.75% in the next OCR cycle.

Rates fall boosting housing market - Westpac

15 November 2018 - Mortgage rates have fallen to record lows recently and the housing market is perking up as result – but it won’t last, Westpac’s chief economist says.

LVR loosening under review: Bascand

14 November 2018 - Reserve Bank deputy governor Geoff Bascand says the central bank is assessing whether current LVR restrictions are appropriate, following a stabilisation in house prices and bank credit tightening.

House buyer sentiment hits 5 year high

12 November 2018 - Growing numbers of New Zealanders think the times are improving for those wanting to buy a house, ASB’s latest Housing Confidence Survey shows.

Job numbers 'cast doubt' on future OCR cut

7 November 2018 - Today's stronger than expected job numbers add further weight against the argument for an OCR cut, economists say. 

Regulators’ report puts spotlight on intermediaries

6 November 2018 - The FMA and Reserve Bank report into banking conduct and culture has raised concerns about the relationship between banks and intermediaries, in a warning sign for mortgage advisers.

Banking review finds weaknesses on conduct

5 November 2018 - New Zealand’s banks are not guilty of widespread misconduct or poor culture issues, an FMA and Reserve Bank review has found, but lenders have been criticised for “significant weaknesses” in the way they handle staff conduct risks.

D-day looming for bank conduct report

2 November 2018 - The Financial Markets Authority (FMA) and Reserve Bank will be releasing their report into bank conduct and culture in New Zealand banks on Monday.

OCR preview survey: Economists divided on tone

2 November 2018 - Once again, no OCR changes are expected during next week’s MPS announcement. Yet economists are divided on how rising inflation will impact OCR forecasts and the governor's tone.

BNZ profits soar as home loans increase

1 November 2018 - Lender BNZ says statutory net profit rose to $1.09 billion in the year to September, a 10% increase on last year as housing lending grew by over 6%.

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.

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.

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.

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.

LVR easing talk grows

12 October 2018 - Investors might soon get a break if the Reserve Bank relaxes the LVR restrictions in its next Financial Stability Report as some economists are suggesting it will.

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.

Today’s OCR statement

27 September 2018 - The Official Cash Rate will stay at 1.75 percent for now, the Reserve Bank has confirmed. Governor Adrian Orr continued to state the next move could be "up or down".

Investor activity subdued in August

26 September 2018 - August data from the Reserve Bank reveals property investors took a smaller share of overall lending, as first-time buyers also slowed slightly.

OCR to stay at record low: Preview Survey

21 September 2018 - New Zealand’s top economists predict the Reserve Bank will hold the Official Cash Rate next week,  as the central keeps a close watch on GDP growth and inflation.

How low could the OCR go?

18 September 2018 - Economists at lender ANZ believe we could see a 50 to 100 basis point cut in the OCR if the country’s financial data disappoints.

Treasury to begin consultation on second phase of RBNZ review

10 September 2018 - The Treasury will start consultations on the second phase of a review of laws governing the Reserve Bank in November.

Market pricing 50% chance of OCR cut: ANZ

3 September 2018 - The overnight interest rate swap market is pricing in a 50 percent chance of an OCR cut by mid next year, according to ANZ. 

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.

OCR to peak at 2.75 percent: ASB

27 August 2018 - Economists at ASB believe New Zealand is set for a long-term low interest rate environment, with the OCR to peak at just 2.75 percent in the cycle.

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%. 

ANZ predicts OCR cut

21 August 2018 - Lender ANZ has reversed its prediction for the OCR rate, predicting the central bank is “more likely” to lower the rate than increase it.

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.

Reserve Bank springs surprise with dovish OCR forecast

9 August 2018 - The Reserve Bank surprised economists by signalling it may keep the OCR rate at 1.75 percent until 2020, pushing back its forecasts in a dovish statement this morning.

What the bank said: OCR unchanged and to stay low for longer

9 August 2018 - The Reserve Bank has kept the Official Cash Rate at its record low level and it will stay there for longer than previously forecast Here's why.

Watch RBNZ's MPS announcement live

8 August 2018 - The Reserve Bank is due to make its latest announcement on the Official Cash Rate at 9am Thursday.  That will be followed by a Media Conference at...

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.

National signals opposition to monetary policy changes

26 July 2018 - National finance spokesperson Amy Adams has voiced the party’s opposition to giving the Reserve Bank a dual policy mandate.

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.

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.

OCR words open door for cut

28 June 2018 - Subtle change of tone in this morning’s OCR announcement suggests the Reserve Bank may now be more willing to cut the OCR if need be, commentators say.

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.

OCR to stay on hold

25 June 2018 - Don’t expect to see a change to the OCR this week as economists predict the Reserve Bank’s song will remain the same for a long time.

Banks get visit from regulators

22 June 2018 - Regulators say the joint Financial Markets Authority and Reserve Bank review of conduct and culture in the New Zealand banking sector is progressing rapidly.

Kiwis back shared equity schemes

21 June 2018 - Many New Zealanders would support government-backed "shared equity schemes" to help first home buyers, as they struggle with high prices across the country.

KiwiSaver boosts first home market: ANZ

11 June 2018 - ANZ has seen a near five-fold increase in the number of borrowers using KiwiSaver funds for a home deposit.

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.

Regulators: no "evidence" to warrant NZ banking commission

30 May 2018 - The Reserve Bank of New Zealand and the Financial Markets Authority have not seen “evidence of widespread, systemic issues” to warrant an inquiry into the country's financial services industry, the two regulators said in a statement today.

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.

Applause for OCR call

10 May 2018 - New Reserve Bank Governor Adrian Orr has earned plaudits from economists for his first OCR announcement this morning – even though the decision itself was not a surprise.

All eyes on Orr in lead-up to OCR call

4 May 2018 - Thursday’s monetary policy statement (MPS) is the most keenly anticipated Reserve Bank outing in many months – but it’s due to the new Governor, not the OCR outlook.

NZBA rejects Australia comparisons and pledges reforms

2 May 2018 - The New Zealand Bankers' Association has rejected comparisons between the New Zealand and Australian banking sectors in the wake of the Royal Commission into Australian financial services, outlining reforms to “maintain public trust”.

Mortgage borrowing rise to be “short-lived”: Westpac

30 April 2018 - Economists at Westpac say the recent uptick in mortgage lending for owner-occupiers and property investors is likely to be “short-lived”.

Owner-occupier and investor lending jumps in March

27 April 2018 - Mortgage lending to property investors, first-time buyers, and other owner occupiers rose in March, according to figures published today by the Reserve Bank.

LVR a “permanent tool”: RBNZ Governor

20 April 2018 - The Reserve Bank of New Zealand's new governor believes restrictions on loan to value ratios will be a “permanent tool” for the central bank.

RBNZ: new PTA an “evolution”

12 April 2018 - The Reserve Bank will not drastically change its monetary policy after adding employment outcomes to its price stability targets, RBNZ Assistant Governor John McDermott said in a speech today.

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.

No need to fear RBNZ’s new PTA

26 March 2018 - The Reserve Bank will now have to consider employment outcomes when setting monetary policy but this may have less impact than feared, experts say.

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.

Westpac expects government policy to "cool" housing market and GDP

19 March 2018 - Lender believes housing plans will slow spending and economic growth

OCR call takes backseat

16 March 2018 - Changes are looming for the Reserve Bank and that has pushed OCR decisions into the background – despite a pending announcement next week.

Acting RBNZ Governor reignites DTI ratio debate

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

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.

OCR holding pattern to continue

2 February 2018 - Measured restraint will be the tone of the Reserve Bank’s Monetary Policy Statement next week, with economists unanimously expecting the OCR to stay on hold.

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.

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.

Nearing an end to the NZ Goldilocks?

12 December 2017 - Markets, both in New Zealand and globally, have experienced "goldilocks" conditions for the past five years of low inflation and solid economic growth.

New RBNZ Governor announced

11 December 2017 - NZ Super Fund CEO Adrian Orr will be the new Reserve Bank Governor from 27 March 2018, Finance Minister Grant Robertson announced today.

Inflation problem for RBNZ

5 December 2017 - If inflation doesn’t pick up by late 2018 interest rate cuts could again be on the cards, according to the Reserve Bank.

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.

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 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.

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.

Sunny MPS surprises some

9 November 2017 - Optimism was the order of the day today, with RBNZ releasing a Monetary Policy Statement (MPS) that was most notable for its positivity.

RBNZ OCR announcement

9 November 2017 - The Reserve Bank has left the Official Cash Rate at 1.75%. Here's what the new Governor had to say. [READ ON] We will be live streaming the press conference...

Time for Normalisation?

6 November 2017 - BNZ Head of Research Stephen Toplis contemplates the Reserve Bank's next move and suggests maybe it it time for normalisation.

Looking ahead with new government

20 October 2017 - New Zealand’s new government will be a Labour-NZ First coalition, supported by the Green Party, and that means changes are looming that advisers need to be aware of.

Growth outlook overshadows OCR call

28 September 2017 - New Zealand’s lower economic growth was acknowledged by the Reserve Bank in its OCR statement today – which means there's a chance their next call could be more doveish.

RBNZ announces OCR decision

28 September 2017 - Acting governor Grant Spencer reveals what was behind the Reserve Bank's decision.

Caution to dictate OCR call this week

25 September 2017 - Uncertainty is bubbling beneath the surface of monetary policy but, despite this, economists expect the Reserve Bank to leave the OCR on hold at 1.75% this week.

Peters as Kingmaker: What next for investors?

25 September 2017 - New Zealand may be on tenterhooks waiting for New Zealand First leader Winston Peters' coalition decision, but investors do not have cause to worry ... yet, commentators say.

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.

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.

No dovish nod to future for RBNZ

10 August 2017 - The Reserve Bank’s OCR statement made it clear hikes are a long way off but its tone was still far less dovish than economists were expecting.

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.

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.

Hawkish talk foreshadows rate rises

5 July 2017 - Tightening talk is coming from central banks around the world – although not New Zealand’s – and that means more interest rate movement is on the cards.

Insurers could do better: FSC

3 July 2017 - Insurers have work to do to better comply with their disclosure requirements, the Financial Services Council says.

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.

Game of watch and wait for OCR

22 June 2017 - Watchful caution is guiding the Reserve Bank’s policy so it will need strong evidence before it makes any change to the OCR, economists say in response to this morning’s OCR call.

Verdict in on this week's OCR call

16 June 2017 - Any change to the OCR on Thursday would stun economists who are unanimous in thinking that it will be left firmly on hold.

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.

Surprise at RBNZ’s OCR outlook

11 May 2017 - The Reserve Bank’s decision to hold the OCR at 1.75% was expected, but economists are surprised at its projection the OCR will remain on hold until late 2019.

No change to OCR: What RB said today

11 May 2017 - The Reserve Bank today left the Official Cash Rate (OCR) unchanged at 1.75 percent. Global economic growth has increased and become more broad-based over...

OCR held again, here's why

11 May 2017 - The Reserve Bank has left the OCR unchanged. Here is what governor Graeme Wheeler said. [READ ON] ...

Even tougher lending rules on the cards

8 May 2017 - The Reserve Bank is conducting another review of banks' capital requirements and a view is emerging it will make getting a home loan even tougher. [Read...

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.

Changing times for interest rate setting

11 April 2017 - Interest rate decisions could soon be made somewhat differently after both National and Labour suggest changes for the Reserve Bank are on the cards. [Read...

Major changes for Reserve Bank?

10 April 2017 - Interest rate decisions could soon be made somewhat differently after both National and Labour suggest changes for the Reserve Bank are on the cards.

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.

Reaction: OCR - 'Nothing to see here'

23 March 2017 - Interest rates look set to remain low for some time following a Reserve Bank OCR announcement this morning which was as expected and determinedly neutral, according to economists.

What the RB governor said

23 March 2017 - The Reserve Bank today left the Official Cash Rate (OCR) unchanged at 1.75 percent. Macroeconomic indicators in advanced economies have been positive over...

Next to no chance of OCR cut

17 March 2017 - Spotting the difference will be the name of the game in next week’s OCR announcement – with economists across the board agreeing the Reserve Bank will make no changes.

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.

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.

Interest rate risk equally balanced: RBNZ

2 March 2017 - UPDATED: There’s equal probability that the next OCR move could be up or down as the risks around inflation are evenly balanced, the Reserve Bank governor says.

Slow down in investor lending quantified

1 March 2017 -   Reserve Bank's latest mortgage lending data and highlights the housing market's slowdown.

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.

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.   ...

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.

OCR hike expectations premature

9 February 2017 - Markets have got ahead of themselves in OCR hike expectations – and the Reserve Bank’s OCR announcement this morning makes that clear, the experts say.

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.

OCR cut not expected

3 February 2017 - It’s a unanimous verdict: economists en masse expect the OCR to stay on hold next week – and for many months after that.

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.

OCR hike to come - later

24 January 2017 - The Reserve Bank’s next OCR move is likely to be up – although it won't be for a while, a new HSBC report says.

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.

OCR hikes on the horizon

21 December 2016 - The OCR has troughed and the risks are now skewed to OCR hikes from the middle of next year, according to one major bank.

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.

Housing market NZ’s biggest domestic risk - RBNZ

8 December 2016 - New Zealand’s highly charged housing market is the biggest domestic economic risk facing the country but no change to the OCR is on the horizon, the Reserve Bank governor says.

DTI ratios not expected any time soon

2 December 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...

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.

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.

Post-earthquake OCR cut unlikely

18 November 2016 - Don’t expect the Reserve Bank to cut the OCR again following the earthquakes earlier this week - despite the damage and disruption they have caused, economists say.

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.

US election casts shadow over OCR response

10 November 2016 - Spectre of US election result looms over reaction to this morning’s OCR cut, but economists say it is too soon to say what impact it might have on the Reserve Bank’s future moves.

OCR cut no surprise

10 November 2016 - Reserve Bank switches to a more neutral stance as it cuts interest rates.

OCR to hit lowest point this week

4 November 2016 - A historic low is looming for the OCR this week but it could be the trough of the cycle, with most economists predicting the cut will be the last.

Inflation pressure off - slightly

2 November 2016 - Pressure on the Reserve Bank to keep cutting the OCR has been alleviated by the results of the Bank’s latest inflation expectations survey.

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.

Next OCR cut to be the last - ANZ

26 October 2016 - The OCR should trough at 1.75% in November as the Reserve Bank’s next cut is likely to be the last one in the current cycle, ANZ has suggested.

Prospect of DTIs looms larger

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

OCR projections replace 90-day bank bill rate

25 October 2016 - Greater clarity should come from the Reserve Bank decision to replace the 90-day bank bill rate with OCR tracking projections in its monetary policy statements (MPS).

Inflation result won’t stop OCR cut

18 October 2016 - Inflation was slightly above forecasts in the September quarter, but the result is not likely to deter the Reserve Bank from cutting the OCR next month.

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%.

OCR call sticks to the script

22 September 2016 - Keeping the OCR on hold was the move expected of the Reserve Bank today, but economists say it means there will be another cut in November.

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.

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.

RESIMAC takes the lead

29 August 2016 - RESIMAC has cut its variable rate to take a market leading position. See how it stacks up here where we have sorted the rates table from lowest to highest...

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.

Reserve Bank tells insurers data not good enough

25 August 2016 - Insurers have been given a warning that they need to start offering the Reserve Bank better data – or face sanctions.

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

Expect OCR cut in November - economists

24 August 2016 - Further OCR cuts are looming strongly on the horizon in the wake of the Reserve Bank’s speech yesterday, economists have said.

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.

Reserve Bank defends interest rate stance

23 August 2016 - Lowering the OCR risks further fuelling house price growth but the Reserve Bank believes it has been a necessary trade-off to prevent a decline in inflation expectations.

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.

Borrowers unlikely to see full cut

11 August 2016 - Reserve Bank expects this morning’s OCR cut to be passed on to, but that's unlikely to happen. ANZ has already said it is only passing on one fifth of the central bank's cut to its customers.

More cuts on the horizon

11 August 2016 - Lack of surprise greeted the Reserve Bank’s OCR cut today and economists say further cuts have now been clearly signposted.

Little doubt OCR cut coming

5 August 2016 - Rare consensus reigns on the OCR forecast front with economists across the board expecting the Reserve Bank to cut the OCR next week.

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.

Boom, boom, boom; Three banks move

20 July 2016 - Just a day after the Reserve Bank signals tougher new lending rules for property investors, three banks and another lender move. However, ANZ, which wants...

Crackdown on investor lending

19 July 2016 - The Reserve Bank has today released a consultation paper proposing changes to loan-to-value restrictions (LVRs) in the midst of the current property boom...

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.

OCR quandary for RBNZ

5 July 2016 - The Reserve Bank has a quandary on its hands as two alternative scenarios it painted for future OCR decisions are both playing out at the same time,

Record high mortgage lending

29 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. Read...

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.

Brexit means August OCR cut likely

27 June 2016 - It’s early days yet but economists agree that Brexit has upped the odds for the Reserve Bank to cut the OCR in August.

Scam email targets finance sector

14 June 2016 - If you get an email purporting to be from the Reserve Bank, asking you to click a link to view “new transaction guidelines”, ignore it. RBNZ is warning...

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".

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.

OCR holding - Economists

3 June 2016 - Next week’s OCR announcement will be a close call if any movement will be made. Read here what the economists are predicting.  ...

OCR calls favour hold

3 June 2016 - Not so long ago most economists were picking that another OCR cut would be announced at next week’s Reserve Bank meeting, but now the mood has changed.

OCR on hold till August - HSBC

30 May 2016 - Strong growth and a booming housing market mean that HSBC now expects the Reserve Bank to hold off on an OCR cut until August.

Budget unlikely to change Reserve Bank views

27 May 2016 - It’s been described as a no surprises, boring Budget, but what might Budget 2016 mean for interest rates?

Investors dominating housing market

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

Investors’ mortgage lending share up

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

Tactical guessing game

24 May 2016 - Reasons for the Reserve Bank not to cut the OCR in June are compelling but it’s a guessing game, according to some economists.

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.

Housing market still RBNZ's headache

11 May 2016 - The Reserve Bank is still worried about the housing market, particularly in Auckland, but has decided not to impose any further lending restrictions -...

RBNZ still thinking about ways to slow the housing market

11 May 2016 - The Reserve Bank is still very worried about the housing market, particularly in Auckland, but has decided not to impose any further lending restrictions - for now.

Investors under fire

10 May 2016 - All eyes are on the Reserve Bank’s upcoming Financial Stability Review (FSR) as rising house prices and the minimum rental standards debate have left...

OCR cuts imminent

29 April 2016 - Leaving the OCR on hold was the right decision, but there will be further cuts down the track, economists say. Read more.  ...

OCR hold right call – for now

28 April 2016 - Leaving the OCR on hold today was the right decision, but there will be further cuts down the track, economists say.

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.

Odds against OCR cut

22 April 2016 - An OCR cut this week is a live call, but most economists think the Reserve Bank will wait a bit longer before cutting again.

More restrictions on the way?

20 April 2016 - Auckland’s reinvigorated housing market, along with the ongoing strength of regional markets, has left economists suggesting further Reserve Bank restrictions...

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.

Later rather than sooner for OCR cut

19 April 2016 - The Reserve Bank’s juggling act has not become any easier despite signs that inflation may have bottomed out. Economists say an OCR cut was still likely...

CPI shows signs of levelling out

18 April 2016 - The Reserve Bank’s juggling act has not become any easier despite signs that inflation may have bottomed out.

Giving inflation a chance

18 April 2016 - A key theme for markets moving into 2016 has been the persistence of low inflation, and the battle facing central banks to avoid low inflation becoming embedded within the expectations of households and businesses.

RBNZ lock-ups scrapped following leak

15 April 2016 - The RBNZ will no longer have embargoed lock-ups for news media and analysts ahead of announcements on interest rate decisions, monetary policy statements...

RBNZ confirms OCR leak

14 April 2016 - The Reserve Bank has confirmed that a journalist leaked information on the March OCR decision ahead of the official release.

OCR - will it stay or will it go?

14 April 2016 - It's just over a fortnight now until the Reserve Bank makes its next Official Cash Rate announcement. After the surprise cut last time and a mixed bag...

Insurance rules get review

13 April 2016 - Regulation governing the insurance sector in New Zealand is to be reviewed.

Predicting the RBNZ's next OCR announcement a head scratcher

13 April 2016 - It's just over a fortnight now until the Reserve Bank makes its next Official Cash Rate announcement. After the surprise cut last time and a mixed bag of economic news since then, economists are scratching their heads to try and predict if the OCR will stay at 2.25% or be cut.

Cut to boost or hike to slow?

4 April 2016 - The Reserve Bank conundrum - should it cut rates to boost inflation, or hike them to slow borrowing? Read more.  ...

Kiwibank takes aim at two-year term

29 March 2016 - Kiwibank has cut some if its fixed rates. It's two-year Special is now one of the best in the market. To see how it compares see the rates table sorted...

RBNZ to investigate alleged OCR leak

24 March 2016 - The Reserve Bank has launched in investigation into an alleged leak of its recent Official Cash Rate announcement. The bank says “an allegation has been...

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.

More OCR cuts to come - ASB

21 March 2016 - Further OCR cuts will be needed for the Reserve Bank to get the economic stimulation it needs, ASB predicts.

No role for politicians in OCR uproar - experts

16 March 2016 - Banks’ reluctance to pass on last week’s OCR cut may not be popular, but commentators agree it is far from surprising – and politicians shouldn’t get involved.

Inflation key for interest rates

14 March 2016 - An ongoing decline in inflation expectations could mean interest rates drop further, but some are nervous about the trade-offs involved.

Full OCR cut should be passed on: McLachlan

11 March 2016 - Co-Operative Bank led the field in cutting its floating interest rate following the OCR announcement but it wasn't a planned move to be first off the block, chief executive Bruce McLachlan says.

Timing of OCR cut surprises

10 March 2016 - There is widespread surprise that the Reserve Bank has cut the OCR again so soon.

What the Reserve Bank said today

10 March 2016 - The Reserve Bank today reduced the Official Cash Rate (OCR) by 25 basis points to 2.25%. The outlook for global growth has deteriorated since the December...

New head of currency for RBNZ

7 March 2016 - The Reserve Bank has appointed Steve Gordon as its new head of Currency, Property and Security (CPS).

OCR cut this week unlikely

7 March 2016 - There’s little doubt further OCR cuts are on the way, but most economists see a cut this week as unlikely.

Looming impact of global funding costs

1 March 2016 - ANZ is warning mortgage rates may not fall as far as the OCR because of rising bank funding costs.

ANZ changes position on OCR cuts

29 February 2016 - Another major bank has joined the OCR cut camp – with ANZ today predicting two more cuts this year.

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.

Scope for OCR cut - English

25 February 2016 - Reserve Bank still has room to move and cut the OCR if it needs to, finance minister Bill English says.

Volatility, regulation don’t hold back banks

24 February 2016 - Neither global volatility or new LVR regulations prevented the banking sector from turning in record profits in 2015, according to the latest KPMG Financial Institutions Performance Survey.

Inflation expectations fall sharply

17 February 2016 - Marked decline in inflation expectations could be crucial for OCR outlook, one major bank says.

Dropping rates should boost slow growth

16 February 2016 - There will be a slow start to 2016 for New Zealand’s economy – which adds to the case for further OCR cuts, according to ASB.

Expect lower mortgage rates in six months: Stephens

15 February 2016 - Home loan interest rates are likely to be lower in six months’ time than they are today, Westpac’s chief economist says.

Forecasts not commitment - RBNZ

5 February 2016 - Don’t mistake transparency and regular guidance as commitment to a certain policy path, the Reserve Bank warns. Read here.  ...

Forecasts not commitment - RBNZ

4 February 2016 - Don’t mistake transparency and regular guidance as commitment to a certain policy path, the Reserve Bank warns.

OCR cut outlook shifts

4 February 2016 - Views on the prospect of an OCR cut have shifted following the Reserve Bank governor’s speech and the release of new labour data yesterday.

RBNZ governor: Immediate cuts not the way to go

4 February 2016 - Responding to low inflation with immediate interest rate cuts is not the way to go, the Reserve Bank says. Read here.  ...

Flexibility key to RBNZ policy

3 February 2016 - Responding to low inflation with immediate interest rate cuts is not the way to go, the Reserve Bank says.

Investor lending recovers

29 January 2016 - Impact of new tax and LVR measures for investors may be less profound than hoped, new lending data suggests.

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%.

No change to OCR. Here's what was said

28 January 2016 - OCR unchanged. Here's what the Reserve Bank said.  [Read On] ...

NZ economic outlook downgraded

27 January 2016 - Weaker prices for agricultural exports have led Fitch Ratings to revise New Zealand’s growth outlook down.

OCR cuts to come – but not now

25 January 2016 - Inflation forecasts are the key theme in economists’ predictions for Thursday’s official cash rate call from the Reserve Bank.

Mortgage lending grows

22 December 2015 - Increase in mortgage lending goes against the prevailing trend of slowing growth, new analysis says.

New proposal for banks off-quarter reporting

21 December 2015 - Changes to banks’ off-quarter disclosure requirements are the subject of a new Reserve Bank proposal.

Reluctance to cut may be wrong

10 December 2015 - Predictions of further cuts and analysis of changes in tone flow following the Reserve Bank’s OCR cut this morning.

Odds are on an OCR cut

4 December 2015 - Expectations of a cut to the OCR next week are riding high – although some economists have divergent theories.

New normal threatens RBNZ tactics

2 December 2015 - NZIER says the Reserve Bank should give up inflation-targeting.

Big drop in investor lending

26 November 2015 - New tax and loan-to-value (LVR) ratios seem to have significantly dented bank lending to investors.

The birth of the Retirement Income Group

23 November 2015 - New Zealand is about to launch its first variable annuity with guaranteed lifetime withdrawal benefits. The product design is mindful of the lessons from the financial crisis in the US, Europe and Japan.

More OCR cuts to come

16 November 2015 - Weakness in the dairy sector means OCR cuts are on the way, ASB says.

Housing market still a risk - RBNZ

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

Financial Stability Report released

11 November 2015 - The Reserve Bank has released its Financial Stability Report today. The country's financial system continued to perform well, despite a deterioration in...

Risks facing financial system have increased

11 November 2015 - The Reserve Bank released its Financial Stability Report this morning. Here's what they said about it:

RBNZ pushes pause on OCR

29 October 2015 - The Reserve Bank left the OCR on hold at 2.75% this morning but economists say the Governor’s comments on the currency are his key message.

OCR: What the governor said

29 October 2015 - The Reserve Bank this morning confirmed the widely-held view that the OCR would remain unchanged for now. Here is what governor Graeme Wheeler had to say.

Decline in high LVR lending to investors

27 October 2015 - Bank lending to investors is already showing the effects of the Reserve Bank’s new loan-to-value (LVR) restrictions, which come into force at the beginning of next month.

No cut expected for OCR

23 October 2015 - Change to the official cash rate (OCR) is unlikely this month although some economists think it should be cut, a mortgage.co.nz survey reveals.

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.

Global factors make for low rates

28 September 2015 - Low interest rates look set to continue as the Reserve Bank’s annual report emphasises the importance of maintaining a flexible monetary policy in the face of global economic challenges.

Further OCR cuts to come

10 September 2015 - Mortgage rates may yet have further to fall, after the Reserve Bank’s cutting of the OCR to 2.75% today.

Lending up but profits flat

7 September 2015 - New Zealand’s five major banks* profits flattened in the second quarter of 2015, although lending growth continued, according to a new analysis by PricewaterhouseCoopers (PWC).

Investors increasing Auckland price pressure – RBNZ

24 August 2015 - Growing investor demand for Auckland property has exacerbated the price pressures arising from the underlying supply shortage, the Reserve Bank says.

LVR restrictions tweaked

21 August 2015 - Sharper loan-to-value restrictions for Auckland investors should never have happened in the first place, it was argued today, as the Reserve Bank announced a little more leeway.

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.

More OCR cuts are on the way - RBNZ

29 July 2015 - The Reserve Bank has confirmed that further OCR cuts are likely to be needed.

No surprises in Reserve Bank's move

23 July 2015 - Little surprise followed the Reserve Bank’s OCR cut this morning - and further cuts are now generally expected to come this year.

OCR cut to 3%

23 July 2015 - New Zealand's softening economic outlook and low inflation has led the Reserve Bank to cut the OCR to 3% today.  

OCR cut on the cards this week

17 July 2015 - Predictions of multiple OCR cuts by the end of the year are coming thick and fast - with the next one expected on Thursday.

Falling business confidence points to... OCR cuts

7 July 2015 - A sharp decline in business confidence has led ASB to formally join the economists predicting three more OCR cuts by the end of the year.

Westpac predicts three more OCR cuts this year

6 July 2015 - Another three OCR cuts are on the way, thanks to darkening economic clouds, according to one of the major banks.

Falling dairy prices to prompt OCR cuts

2 July 2015 - OCR cut predictions have taken a big step up following the latest fall in dairy prices.

Banks net interest income falls - PwC

24 June 2015 - A decrease in the net interest income of New Zealand’s major banks reflects the current highly competitive lending environment.

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.

OCR cut

11 June 2015 - The Reserve Bank has cut the OCR to 3.25% today. Here is what the governor Graeme Wheeler said.

OCR cut; Floating rates follow

11 June 2015 - The Reserve Bank has cut the OCR. Here is what the governor Graeme Wheeler said  [READ ON] You can watch the Webcast of the announcement here Following...

One economist calls for OCR cut this week; others say wait

8 June 2015 - Expect the Reserve Bank to leave the OCR unchanged next week – despite many recent forecasts that cuts are likely this year.

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...

RBNZ hits Auckland property investors

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.  Read...

RBNZ outlines case for interest rate cut

30 April 2015 - In this morning's OCR announcement the Reserve Bank said it has not plans to increase interest rates and also outlined what would need to happen for it to cut rates.

What the Reserve Bank said

30 April 2015 - The OCR this morning has, as predicted stayed unchanged, and it will stay that way for sometime. However, Reserve Bank governor Graeme Wheeler also outlined what would need to happen for a rate cut to occur.

RBNZ rate cut unlikely – for now

24 April 2015 - With the Reserve Bank’s next Official Cash Rate (OCR) announcement due on Thursday, a mortgagerates.co.nz survey of economists reveals many believe a downward bias is creeping into the RBNZ’s thinking.

OCR unchanged – but housing market remains hot topic

12 March 2015 - The Reserve Bank has left the official cash rate (OCR) at 3.5% and maintained a neutral stance in its statement, but the Auckland housing market was a dominant topic at the RBNZ’s briefing this morning.

What the Reserve Bank said

12 March 2015 - Here is what the Reserve Bank's governor Graeme Wheeler had to say about interest rates and the economy today.

No surprises expected in OCR this week, but plenty to look for

9 March 2015 - No surprises are expected in the Reserve Bank’s upcoming official cash rate (OCR) and monetary policy statements this Thursday.

Reserve Bank comes up with new definition for property investors

5 March 2015 - Property investors are the target of a new Reserve Bank lending restriction, but the bank says it’s not a macro-prudential tool.

Decent environment for investors: Tuffley

29 January 2015 - The Reserve Bank has today left the OCR unchanged at 3.5%, but has shifted to an explicitly neutral stance that is likely to keep interest rates low for some time yet.

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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 4.69 4.99
Kiwibank - Capped - - - -
Kiwibank - Offset 5.80 - - -
Kiwibank Special - 4.05 4.29 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 4.49
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 - 4.15 4.29 4.59
Median 5.89 4.55 4.69 4.79

Last updated: 17 December 2018 9:03am

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