Articles tagged with 'Reserve Bank'

Non-performing housing loans up, monthly mortgage arrears down

5 June 2024 - The Reserve Bank April figures show non-performing housing loans rising by $137 million to $1.9 billion.

Biggest OCR rise ever: Here's what the governor said

23 November 2022 - The Reserve Bank has increased the OCR 75 basis points - its biggest rise ever. Here's why.

RBNZ needs to look the inflation beast in the eye

26 October 2022 - Reserve Bank chief economist Paul Conway has warned that imported inflation could become persistent.

OCR up 50pts: Here is what the bank said

25 May 2022 - Why the RBNZ hiked the OCR 50 basis points.

OECD lends support to DTIs

3 February 2022 - OECD endorses new borrowing restrictions in report on New Zealand

RBNZ outlines options for cash system reform

1 December 2021 - The Reserve Bank of New Zealand is seeking feedback on issues facing the cash system and options to keep Aotearoa’s cash system fit for purpose.

Reserve Bank appoints new Assistant Governor

1 December 2021 - The Reserve Bank of New Zealand's acting Assistant Governor has been handed the role of Assistant Governor and general manager of digital solutions and security, effective from today.

RBNZ changes leadership team structure

11 October 2021 - The Reserve Bank of New Zealand is changing the structure of its senior leadership team expanding it from six to eight roles.

Mortgage rates expected to be at 4% plus within a year

1 October 2021 - ASB economists expect mortgage interest rates to be at just over 4% in a year.

Growth in house prices to fall significantly next year

27 September 2021 - House price inflation is expected to fall back to single-digit levels next year.

October rate increases to follow recent moves

23 September 2021 - Banks are poised to raise interest rates further next month despite a wave of increases in recent weeks.

Special mortgage rates flat in August

8 September 2021 - Special mortgage rates held steady in August following a significant increase between June to July, according to new Reserve Bank data.

RBNZ deputy governor Bascand to step down

8 September 2021 - The Reserve Bank's second in command, deputy governor Geoff Bascand, will leave his role in early 2022, the central bank has confirmed.

Tighter LVR restrictions for owner-occupiers

3 September 2021 - The Reserve Bank plans to tighten LVR restrictions for owner-occupiers as it clamps down on low deposit home loans.

OCR hikes hit borrowers six months later

30 August 2021 - New research from the Reserve Bank suggests borrowers feel the biggest hit from official cash rate increases six months later.

Fall in real house prices expected by Reserve Bank

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

Reserve Bank predicts fall in house prices

19 August 2021 - The Reserve Bank has predicted that house prices will fall from the third quarter of next year.

OCR decision revealed

18 August 2021 - The Reserve Bank has kept the official cash rate on hold at 0.25% following the delta community outbreak. Here's what the central bank said:

OCR reaction: higher interest rates expected

14 July 2021 - Economists predict the Reserve Bank will soon opt to lift the official cash rate as inflationary pressures grow.

OCR preview survey: economists look ahead

12 July 2021 - Economists say the official cash rate will remain on hold this week, but believe the Reserve Bank could give a signal on imminent rate increases.

Reserve Bank to consult on the future of cash

8 July 2021 - The Reserve Bank of New Zealand will be consulting New Zealanders over the remainder of 2021 on issues key to the future of how Kiwis pay and save, driven...

Mortgage lending holds up in May

28 June 2021 - Mortgage borrowing hit $8.9 billion last month as investors, first home buyers, and other owner-occupiers remained active despite record house prices and new lending restrictions.

What DTI limits might look like

16 June 2021 - The Reserve Bank has added debt-to-income limits to its regulatory toolkit, and a recent memo from the central bank reveals the potential settings for the new rules if they come into effect.

Debt-to-income limits move closer

16 June 2021 - Debt-to-income limits on lending have moved a step closer to reality after the Reserve Bank added debt serviceability restrictions to its policy toolkit.

Reserve Bank cools on interest-only limits

16 June 2021 - While the Reserve Bank has taken its first steps towards implementing debt-to-income limits, it has played down the chances of introducing interest-only lending limits.

OCR reaction: Rates set to rise from 2022

26 May 2021 - Economists noted a "tentative shift in tone" from the Reserve Bank as it projected that interest rates may begin to rise from 2022.

DTIs rising sharply

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

Reforms to financial market infrastructures (FMIs)

6 May 2021 - New laws reforming institutional investment payment and settlement systems have been established by Parliament with the passing of the Financial Market...

Reserve Bank's housing market fears

6 May 2021 - Recent entrants to the housing market are vulnerable to rising interest rates, and 5% home loans could swallow up 50% of new buyers' household income, according to the Reserve Bank.

Reserve Bank fires warning over risky mortgage lending

5 May 2021 - The Reserve Bank has warned that "a high proportion" of recent mortgage lending has had high debt-to-income and LVR ratios, making borrowers more vulnerable.

Wait on DTIs and interest-only restrictions

4 May 2021 - Mortgage advisers will have to wait a little longer to discover if and when the Reserve Bank will introduce debt to income ratios and interest-only lending curbs, according to economists.

Further evidence of booming market

3 May 2021 - Property lending soared to $10.4 billion in March according to the latest Reserve Bank data – the highest monthly volume on record.

Reserve Bank publishes cyber resilience guidance

29 April 2021 - The Reserve Bank has released guidance for financial institutions about what its expectations are regarding the increasingly expensive problem of cybercrime.

Economists react as OCR kept on hold

14 April 2021 - The Reserve Bank has kept the official cash rate on hold, but said it is prepared to push rates lower if required. Economists predict a stable period of low rates ahead.

Record lending in January: Reserve Bank data shows

17 March 2021 - Newly-released data from the Reserve Bank shows that mortgage lending surpassed $6 billion in January, the highest ever total for that month.

Industry feedback refines Insurance Solvency Standards

5 March 2021 - RBNZ has released changes to the Insurance Solvency Standards based on industry submissions received during a consultation launched late last year.

House prices added to Reserve Bank remit

25 February 2021 - Big news from Wellington this morning. The Government has instructed the Reserve Bank to take house prices into account when setting monetary policy,...

House prices added to Reserve Bank remit

25 February 2021 - The Government has instructed the Reserve Bank to take house prices into account when setting monetary policy, marking a significant shift in the central bank's role in the real estate market.

RBNZ governor wants lower loan rates

24 February 2021 - Reserve Bank governor Adrian Orr has called on banks to pass on lower interest rates to borrowers, and has a message for lenders: "We are watching."

RBNZ plots steady course: economists react

24 February 2021 - The Reserve Bank has kept the official cash rate on hold but warned "prolonged monetary support" is needed amid the Covid crisis. Here's how economists responded.

OCR decision revealed

24 February 2021 - The Reserve Bank has kept the official cash rate at its record low of 0.25%. Here's what the central bank said:

Record December lending

22 February 2021 - December was yet another record-breaking month of mortgage lending in New Zealand, according to newly-published RBNZ data.

OCR Preview: official cash rate set to hold

22 February 2021 - Economists unanimously agree that the Reserve Bank will leave the official cash rate unchanged this week, according to TMM Online's latest preview survey.

Advisers react to LVR changes

10 February 2021 - The Reserve Bank has imposed strict new LVR requirements on investor lending, but advisers say other measures may have been more appropriate to help first home buyers.

Reserve Bank tightens LVR rules for investors

9 February 2021 - Investors will need a 40% deposit to get a mortgage under new rules to be enforced by the Reserve Bank of New Zealand.

Record mortgage lending in November

12 January 2021 - Mortgage lending jumped to $9.2 billion in November – $1.5 billion more than the previous record monthly total – according to new Reserve Bank data.

Reserve Bank asks for DTIs

11 December 2020 - Reserve Bank governor Adrian Orr has asked Finance Minister Grant Robertson to add debt-to-income ratios to its macro-prudential toolkit, as it responds to government pressure on house prices.

Reserve Bank eyes DTIs

26 November 2020 - Reserve Bank governor Adrian Orr has revealed that the central bank would like to introduce debt-to-income ratio limits on mortgage lending.

Record October mortgage lending

25 November 2020 - Mortgage lending soared to $7.7 billion last month, the highest October figure on record, and further evidence of the red-hot housing market.

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

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

Finance minister intervenes on house prices

24 November 2020 - Grant Robertson has asked the Reserve Bank governor Adrian Orr to consider house price stability when the central bank makes monetary policy decisions, amid growing pressure to curb runaway valuations.

How many people are still asking for home loan help?

24 November 2020 - While it has been several months since our last lockdown, a steady stream of people continue to ask for help on their home and business loans.

Orr has no regrets on scrapping LVR limits

11 November 2020 - RBNZ governor Adrian Orr said the central bank has "no regrets" on scrapping loan to value ratio restrictions, despite a U-turn to reimpose the limits.

Economists react to bank funding programme

11 November 2020 - Economists are divided on whether the Reserve Bank will need to cut the official cash rate further after it launched a new funding programme to push down interest rates.

Reserve Bank looks to bring back lending restrictions

11 November 2020 - The Reserve Bank plans to reintroduce loan to value ratio restrictions on mortgage borrowers from March next year following a surge in the housing market.

LVR limits set to return

11 November 2020 - The Reserve Bank plans to reintroduce loan to value ratio restrictions on mortgage borrowers from March next year following a surge in the housing market.

What is the Reserve Bank's new plan to cut interest rates?

11 November 2020 - The Reserve Bank is expected to outline plans for its Funding for Lending Programme today, the latest tool to help push down borrowing costs. How will it work?

Bank capital rules delayed until 2022

11 November 2020 - New rules to force banks to hold extra capital will be delayed until 2022, the Reserve Bank of New Zealand has announced.

OCR to remain on hold: economists

9 November 2020 - Economists expect the Reserve Bank to leave the official cash rate unchanged this week, but suggest more support is on the way for lenders, individual borrowers and businesses.

Market influencers going forward...

2 November 2020 - Value growth is accelerating and one property expert is picking that Government construction plans and the role of LVRs will dominate market discussion of the trend going forward.

Record home lending in September

27 October 2020 - Mortgage lending hit $7.3 billion in September, the highest value on record, according to the latest Reserve Bank data, as the market continues to defy expectations.

Weak inflation means negative OCR: Kiwibank

23 October 2020 - Today's lower than expected inflation figures will force the Reserve Bank to make an aggressive 75 basis point OCR cut in February, according to Kiwibank.

The $50 billion idea that will push down home loan rates

23 October 2020 - ANZ economists predict the Reserve Bank's funding for lending programme (FLP), designed to push down interest rates, could hit $50 billion.

LVR limits could return: RBNZ

21 October 2020 - Reserve Bank governor Adrian Orr is monitoring the buoyant housing market and may reimpose LVR restrictions.

Negative OCR still needed - Westpac

20 October 2020 - Despite fears of an overheated housing market, Westpac economists believe the Reserve Bank will still need to lower the official cash rate next year.

Something’s gotta give on prices

16 October 2020 - House prices are on a relentless march upwards and BNZ is warning that “over-zealous investors” could push them to non-sustainable levels.

LVR limits will return for investors

16 October 2020 - The odds of LVR restrictions returning for investors next year are "fairly high" due to the strength of the residential property market, according to economist Tony Alexander.

Four ways low rates have boosted the market

9 October 2020 - Independent economist Tony Alexander says there are four ways that low interest rates can explain the "current and coming market strength".

Reserve Bank relaunches Insurance Act review

1 October 2020 - After being postponed by Covid, the Reserve Bank today relaunched their review into the 2010 IPSA.

August record for mortgage lending

24 September 2020 - Home lending reached a record high for an August last month, further evidence of the market's resurgence during the Covid-19 pandemic.

What the Reserve Bank's latest move means for housing

24 September 2020 - The Reserve Bank’s programme to lend directly to retail banks could be ready soon. If it is, that’s likely to mean lower interest rates on loans – and more support for the housing market.

Cheap funding for banks imminent

24 September 2020 - The Reserve Bank has hinted a new funding programme for retail banks could be ready by the end of the year, a move likely to push down retail interest...

RBNZ bank funding programme imminent: reaction

23 September 2020 - The Reserve Bank has hinted its programme to lend directly to retail banks could be ready by the end of the year, as it takes a more dovish tone on the economy.

Reserve Bank to talk up negative OCR: preview survey

21 September 2020 - The Reserve Bank is expected to keep the OCR on hold this week, but could highlight the growing chance of a negative central bank rate: [READ ON] ...

Insurance Act Review forges on

21 September 2020 - Work resumes on the review, which was delayed while the Reserve Bank dealt with the challenges of covid.

Economy performing better-than-expected: ASB

7 September 2020 - The New Zealand economy is faring better than expected despite the second lockdown in Auckland, according to ASB economists.

Deloitte: Tricky to compare NZ insurance to other markets

3 September 2020 - A new report by Deloitte has raised questions about suggestions New Zealand insurers are offering high commissions and paying few claims by global standards.

Buyer sentiment at eight year high

28 August 2020 - More people now believe that it is a good time to buy a house than at any other time since 2012, ASB’s latest Housing Confidence Survey reveals.

Resimac slashes servicing rate

27 August 2020 - Non-bank Resimac has reduced its prime home loan servicing testing rates to boost its customer base in New Zealand.

Borrowing boom in July – before second lockdown

26 August 2020 - Home lending soared to $6.5 billion in July during New Zealand's Covid-free period, reaching its highest level since November last year.

Borrowing boom in July – before second lockdown

26 August 2020 - Home lending soared to $6.5 billion in July during New Zealand's Covid-free period, reaching its highest level since November last year.

Sub-2% mortgages to boost house prices: ASB

26 August 2020 - Home loan rates will plummet to 2% in the next year, with low rates set to push up house prices, according to ASB.

Negative OCR would be a mistake: Kiwibank

25 August 2020 - While economists at the big four lenders believe the Reserve Bank will opt for a negative official cash rate next year, Kiwibank analysts believe the move would be a mistake.

Mixed response to government business loan scheme

24 August 2020 - The government has extended its Business Finance Guarantee Scheme, but advisers say the programme has not been popular with clients so far and warn it...

Investors' market share on the rise

20 August 2020 - Concerns about the rising costs of being a landlord aren’t deterring investors with new data showing that mortgaged investors’ share of purchases surged to a four year high in July.

Mortgage deferral scheme extended to March

17 August 2020 - The Reserve Bank has confirmed the mortgage deferral scheme will be extended until March next year following the second Covid-19 prompted lockdown in Auckland.

Covid-19 return could derail market boom

14 August 2020 - The housing market was booming in July with price and sales up nationwide, new REINZ data shows, but the return of Covid-19 raises questions of how the market will fare going forward.

Why mortgage rates are likely to fall even lower

13 August 2020 - Home loan rates are already at record lows, but economists at ASB predict interest rates will plummet even further in the coming months.

Mortgage deferral programme to be extended

12 August 2020 - Reserve Bank governor Adrian Orr says the mortgage deferral programme will be extended beyond September, as the Covid-19 pandemic regains a grip on New Zealand.

Mortgage deferral programme to be extended: Orr

12 August 2020 - Reserve Bank governor Adrian Orr says the mortgage deferral programme will be extended beyond September, as the Covid-19 pandemic regains a grip on New Zealand.

OCR on hold but QE expanded to $100 billion

12 August 2020 - Economists have welcomed the expansion of the Reserve Bank's quantitative easing programme, and say a negative official cash rate is more likely than ever following this week's Covid-19 outbreak.

Mortgage holidays set for extension

29 July 2020 - Minister of Finance Grant Robertson says the Reserve Bank could extend mortgage holidays for struggling borrowers: [READ ON] ...

Mortgage holidays set for extension

29 July 2020 - Minister of Finance Grant Robertson says the Reserve Bank could extend mortgage holidays for struggling borrowers.

Home lending jumps in June

27 July 2020 - New mortgage lending jumped to $5.3 billion in June as the market recovered strongly from the Covid-19 lockdown: [READ ON] ...

Home lending jumps in June

24 July 2020 - New mortgage lending jumped to $5.3 billion in June as the market recovered strongly from the Covid-19 lockdown.

Mortgage demand picked to decline

16 July 2020 - Banks are expecting a fall in demand for mortgage lending in the second half of 2020, according to a new Reserve Bank Credit Conditions Survey.

Mortgage borrowing rebounds in May

25 June 2020 - New mortgage borrowing rose by roughly $1.6 billion in May as the property market showed signs of recovery from the Covid-19 lockdown.

Mortgage borrowing rebounds in May

25 June 2020 - Mortgage borrowing rose by roughly $1.6 billion in May as the property market showed signs of recovery from the Covid-19 lockdown.

OCR reaction: more action to push rates lower?

25 June 2020 - Economists say the Reserve Bank views its LSAP programme as the best way of pushing down interest rates, despite talk of a negative OCR in recent months...

QE the preferred tool for lower rates: economists

24 June 2020 - Economists say the Reserve Bank views its LSAP programme as the best way of pushing down interest rates, despite talk of a negative OCR in recent months.

QE could push mortgage rates even lower: ASB

17 June 2020 - Further quantitative easing from the Reserve Bank would push mortgage rates even lower, according to economists at ASB.

RBNZ 'doing its job'

5 June 2020 - There is industry acceptance of Reserve Bank Governor Adrian Orr raising concerns about life insurer insolvency.

Bank LVR limits on hold

4 June 2020 - Banks have not relaxed loan-to-value ratio limits for investors, despite the Reserve Bank's move to scrap LVR rules.

Resilience needed in face of change

28 May 2020 - The Reserve Bank says the commercial property sector is vulnerable to the Covid-19 crisis. But PMG Funds' chief executive believes that while there’ll be short-term pain, the biggest long-term impact will be structural change.

Life insurers under threat – or are they?

28 May 2020 - The Reserve Bank came out swinging at life insurers in its latest Financial Stability Report, warning that they faced insolvency challenges as low interest rates, minimal growth in premiums and higher rates of cancellation combined.

Reserve Bank governor believes rates can go lower

27 May 2020 - Reserve Bank governor Adrian Orr believes banks have "room to go" to push home loan rates below current record lows.

Price expectations spiral down

27 May 2020 - Housing confidence has been dealt a hefty blow by the Covid-19 crisis with house price expectations plummeting to new lows.

Reserve Bank fears loan losses and restructurings

27 May 2020 - Loan losses will rise "materially" in the coming months and households could struggle to service deferred mortgages, the Reserve Bank has warned.

Mortgage lending slumps to record low in April

26 May 2020 - Mortgage lending fell to its lowest level on record last month as the property market ground to a halt during the Covid-19 lockdown.

Mortgage lending slumps to record low in April

26 May 2020 - Mortgage lending fell to its lowest level on record last month as the property market ground to a halt during the Covid-19 lockdown.

Downward pressures might push investors out

21 May 2020 - There’s a major housing market downturn coming and it’s likely to reduce the number of investors in the market, according to ANZ economists.

Markets price in negative interest rates

18 May 2020 - Financial markets have priced in an increased chance of a negative official cash rate after the Reserve Bank mooted the idea last week.

Reserve Bank ends LVR restrictions

30 April 2020 - The Reserve Bank has decided to remove loan to value ratio restrictions for 12 months in response to the Covid-19 crisis.

Reserve Bank ends LVR restrictions

30 April 2020 - The Reserve Bank has decided to remove loan to value ratio restrictions for 12 months in response to the Covid-19 crisis.

Lending strong – before lockdown

30 April 2020 - The latest Reserve Bank data shows lending remained strong until New Zealand entered lockdown, with $6.1 billion of mortgage lending in March: [READ ON] ...

Lending strong – before lockdown

29 April 2020 - The latest Reserve Bank data shows lending remained strong until New Zealand entered lockdown, with $6.1 billion of mortgage lending in March.

Reserve Bank to scrap LVR restrictions

21 April 2020 - [UPDATED] The Reserve Bank is set to remove loan-to-value ratio restrictions on mortgages in the wake of the Covid-19 outbreak.

Reserve Bank to scrap LVR restrictions

21 April 2020 - The Reserve Bank is set to remove loan-to-value ratio restrictions on mortgages in the wake of the Covid-19 outbreak.

ANZ capital failings highlighted

17 April 2020 - ANZ New Zealand failed to control internal processes concerning its capital modelling systems, according to new report.

Reserve Bank to monitor LVR breaches caused by Covid-19

9 April 2020 - The Reserve Bank of New Zealand will monitor breaches of LVR restrictions caused by the Covid-19 crisis, amid fears a recession will push banks past current speed limits.

AML flexibility offered

30 March 2020 - AML reporting entities will change the way they do business during the Covid-19 lockdown and will be allowed some flexibility, regulators say.

What coronavirus means for property investors

16 March 2020 - Welcome to Fortress New Zealand. The coronavirus crisis means that strict travel bans are now in force and a recession is expected. So what does that mean for property investors going forward?

Banks pass on floating rate cuts after OCR decision

16 March 2020 - Major banks have passed on rate cuts of 0.75% to floating rate borrowers following the Reserve Bank's emergency rate decision.

RBNZ delays new capital rules

16 March 2020 - The Reserve Bank has delayed the introduction of new capital rules for the banking sector in the wake of the coronavirus outbreak.

Emergency OCR cut: economists give their views

16 March 2020 - Economists believe the Reserve Bank will be reluctant to cut the OCR any further after it slashed rates by 75 basis points this morning.

Housing market powers on – for now

12 March 2020 - New Zealand’s housing market resurgence is showcased in new REINZ data which has the national median price at a new record and sales at a four-year high.

Affordability under pressure - ASB

12 March 2020 - Expectations that house prices will rise are at a three-year high but that means less people think now is a good time to buy a house.

Will mortgage rates fall much further?

9 March 2020 - An official cash rate cut looks increasing likely amid the Covid-19 outbreak, but economists doubt mortgage rates will drop much further than current levels.

Values escape coronavirus contagion

4 March 2020 - There’s no escaping the spectre of coronavirus right now but it hasn’t had an impact on the property market with new QV data showing it continues to strengthen.

Record January home lending

27 February 2020 - Last month saw the highest January home lending volumes since records began, according to the latest RBNZ data.

[The Wrap] Regulators need to be wary of AMP Life deal

21 February 2020 - One of the biggest deals in New Zealand’s financial services industry is going on largely unnoticed at the moment; arguably because there is so much other change going on at present. It’s time the spotlight was put on the deal.

Low rates until 2022

17 February 2020 - ASB economists predict the next OCR tightening cycle will start in early 2022, with interest rates on hold throughout this year and next year.

Rising house prices glossed over in MPS

13 February 2020 - New Zealand’s housing market is rebounding strongly but the Reserve Bank barely mentioned it in Wednesday’s Monetary Policy Statement (MPS). That’s left one economist asking why.

OCR reaction: RBNZ upbeat on outlook

12 February 2020 - Economists say the Reserve Bank struck a positive tone on growth as it kept the OCR on hold, but fear it may have underestimated the impact of the coronavirus.

OCR decision revealed

12 February 2020 - The Reserve Bank of New Zealand has kept the official cash rate on hold. Here's what the central bank said:

Will the Reserve Bank change course?; national listing shortage continues

3 February 2020 - The Reserve Bank will adopt a more neutral tone on the future direction of the official cash rate this month, according to economists at one major bank:...

Will the Reserve Bank change course?

3 February 2020 - The Reserve Bank will adopt a more neutral tone on the future direction of the official cash rate this month, according to economists at one major bank.

Mortgage lending strong in December

29 January 2020 - December mortgage lending increased by more than $1 billion year-on-year, according to the latest figures from the Reserve Bank.

Upping the ante on price growth

22 January 2020 - ANZ economists have become the latest commentators to revise up their house price inflation predictions and are now picking 8% growth by mid-2020.

Reserve Bank critical of life insurance

22 January 2020 - New Zealand’s life insurance sector appears to be relatively inefficient, the Reserve Bank says.

Highest sales in December for three years

16 January 2020 - New Zealand’s property market ended the decade on a high with new REINZ data putting sales at their highest volume in years and median prices up around the country.

Mortgage lending peaks in November

20 December 2019 - Mortgage lending soared to its highest level since June 2016 last month, according to new data from the Reserve Bank.

Commercial confidence at three year high

19 December 2019 - Booming regional centres are driving positivity in the market and that’s left commercial property investors more confident than they have been in three years.

Strong market upturn picked for 2020

18 December 2019 - Expect price growth to hit 7% by April 2020 as the housing market continues its emphatic upturn, Westpac’s chief economist says.

Economists revise OCR outlook

16 December 2019 - Leading economists have revised their predictions for the official cash rate next year, predicting less action from the Reserve Bank in the next 12 months.

Record prices see upturn gathering pace

13 December 2019 - New Zealand’s housing market resurgence continues to gain momentum with the latest REINZ data showing record prices around the country.

Reserve Bank demands improvements from ANZ

12 December 2019 - The Reserve Bank has demanded ANZ makes improvements to its internal processes after a spate of recent scandals.

Warning on borrowing rates

9 December 2019 - The Reserve Bank's new capital regime will lead to greater increases in borrowing rates than its estimate, economists have warned.

Putting the RBNZ's new capital rules into perspective

6 December 2019 - There's been a lot written about the Reserve Bank's new capital rules for banks and some of it seems to miss the mark. Here's Tarawera Publishing managing director, Philip Macalister's, take after hearing from the governor yesterday.

Putting RBNZ's new capital rules into perspective

6 December 2019 - There's been a lot written about the Reserve Bank's new capital rules for banks and some of it seems to miss the mark. Here's my take after hearing from the governor yesterday.

Reserve Bank reveals new capital rules

5 December 2019 - Banks will be forced to raise close to $20 billion in extra capital to comply with the Reserve Bank's new requirements, the central bank revealed today.

[GRTV] Ballantyne on conduct and culture; who owns the client; the future of dealer groups and more

29 November 2019 - Partners Life managing director Naomi Ballantyne discusses the critical issues facing insurance advisers today.

Reserve Bank flags commission rates, solvency

27 November 2019 - The Reserve Bank has raised questions about the insurance sector in its latest financial stability report.

LVRs kept on hold

27 November 2019 - The Reserve Bank has kept its LVR speed limits on hold amid fears low interest rates "could lead to a resurgence in higher-risk lending".

LVR speed limits kept on hold

27 November 2019 - The Reserve Bank has kept LVR speed limits on hold amid fears low interest rates "could lead to a resurgence in higher-risk lending".

Investor lending on the increase

26 November 2019 - Latest Reserve Bank data shows Investor lending jumped to its highest level for over a year in October, as overall lending soared last month.

LVR restrictions to stay put: Westpac

25 November 2019 - Westpac economists believe the Reserve Bank will keep LVR speed limits at their current levels, amid fears over house price stability.

LVR restrictions to stay put: Westpac

25 November 2019 - Westpac economists believe the Reserve Bank will keep LVR speed limits at their current levels, amid fears over house price stability.

Mortgage rates may be at cycle low: ASB

18 November 2019 - It is "quite possible" fixed rate mortgages have hit their lowest point in this cycle, according to economists at ASB.

Record prices round NZ

14 November 2019 - It looks like the sleeping giant of New Zealand’s housing market could be stirring, with new REINZ data showing that both sales and prices in Auckland are up.

OCR reaction: economists surprised but expect 2020 cut

13 November 2019 - Economists were surprised by the Reserve Bank's decision to keep the official cash rate on hold, but expect the central bank to ease rates next year.

Reserve Bank capital review: decision date set

11 November 2019 - The Reserve Bank will make a final decision on its proposed new capital rules on December 5, a move that could reshape the banking sector in New Zealand.

Kiwibank cash offer; Reserve Bank to follow RBA?

11 November 2019 - Kiwibank has launched a new $3,000 cash offer for people switching to the bank. Borrowers need 20% equity and there's a minimum lending requirement...

MPS likely to echo Australian outlook: Westpac

11 November 2019 - The Reserve Bank's Monetary Policy Statement is likely to strike a similar tone to the Reserve Bank of Australia's recent forecast, keeping interest rates on hold and leaving the door open for easing in 2020, Westpac economists say.

OCR Preview Survey: Economists tip another cut

7 November 2019 - Economists predict the Reserve Bank is likely to cut the official cash rate again this week – but are far from certain the central bank will pull the trigger.

Markets price 50% chance of OCR cut: BNZ

5 November 2019 - Financial markets are pricing in a 50% chance of an official cash rate cut next week, down from 90% odds just a week ago.

Reserve Bank points to insurer solvency review

5 November 2019 - The Reserve Bank is flagging the potential for insurers to be required to hold more capital.

Westpac predicts OCR will be put on hold

31 October 2019 - Westpac economists have broken ranks with rival commentators by predicting the Official Cash Rate will be put on hold next week.

Fund managers may have climate-change duty of care

31 October 2019 - Fund managers’ duty to act in the best interests of investors may now require managers to take climate change risk into account when designing investment policies, a new report says.

Mortgage rates fall by 1.2% in 18 months: ASB

29 October 2019 - Mortgage rates have fallen from 0.6%-1.2% over the past 18 months, but borrowers should plan to deal with higher interest in the long run, according to ASB.

Strong September for home lending

24 October 2019 - Mortgage lending soared in September, according to Reserve Bank data, as banks loosened serviceability tests.

LVR loosening likely - ANZ

23 October 2019 - LVR restrictions were never meant to be a permanent feature of New Zealand’s housing market and ANZ economists argue that some further relaxing of them could soon be on the cards.

House price rally could reduce odds of OCR cut: Westpac

15 October 2019 - A pickup in the housing market could give the Reserve Bank "pause for thought" over further official cash rate cuts, according to Westpac economists.

Signs of life in market

2 October 2019 - They might be tentative but there are signs the property market is strengthening with new QV data showing that most main urban areas have seen a lift in values.

Kiwibank predicts 0.5% OCR cut

1 October 2019 - Kiwibank economists believe the Reserve Bank will cut the Official Cash Rate to just 0.5%, with the possibility of a major cut in November.

Experts support capital review: RBNZ

1 October 2019 - The Reserve Bank says independent international experts support its plan to introduce strict new capital rules for banks.

New listings remain limited

1 October 2019 - There was no uptick in market activity in the first full month after the Reserve Bank’s big OCR cut, with listings still at low levels, realestate.co.nz’s latest data shows.

LVR limits slow down investors

26 September 2019 - LVR speed limits continue to have a "strong effect" on investors, according to CoreLogic, after the latest Reserve Bank data showed a drop in investor borrowing.

OCR decision revealed

25 September 2019 - The Reserve Bank has kept the Official Cash Rate on hold at 1%. Here's what the central bank said:

NZ banks exposed: S&P

23 September 2019 - Risks in the New Zealand banking system are comparable with Iceland, Ireland and Mexico, according to a new report from ratings agency Standard & Poors.

OCR Preview: economists predict no change

20 September 2019 - Economists believe the Reserve Bank will hold fire on making further cuts to the Official Cash Rate next week, with a further cut more likely in November.

Insurer response 'not good enough'

17 September 2019 - Commerce Minister Kris Faafoi says insurers are "passing the buck" to advisers.

COMMENT: Prospects strong for yielding assets

16 September 2019 - Commercial property can offer investors better options as the search for yields intensifies so NZ Mortgages & Securities director James Kellow provides his rundown on the outlook for the commercial market.

Sales fall highlights sluggish market

13 September 2019 - The Reserve Bank’s dramatic OCR cut in August was meant to prompt a pick-up in the housing market but new REINZ data shows sales have slumped again.

NZ banks face headwinds

10 September 2019 - The likelihood that New Zealand will face a severe house price correction has reduced and so too have the risks to lenders; however they face profitability headwinds.

Expect three more OCR cuts – ANZ

6 September 2019 - Ongoing deterioration of the growth and inflation outlook means that ANZ is predicting that the Reserve Bank will cut the Official Cash Rate (OCR) to 0.25% by May next year.

Low deposits won’t lead to mortgage free for all

5 September 2019 - 5% deposits for first home buyers – it’s one of the centrepieces of the KiwiBuild “reset” – but advisers are asking whether it will actually make the sort of difference hoped for.

Mortgage servicing rate cuts

2 September 2019 - Several banks have cut their servicing rates recently, with more expected to follow, and advisers believe such changes will mean more for borrowers than low rates do.

[OPINION] We are not alone with Monetary Policy: Orr

28 August 2019 - Reserve Bank governor Adrian Orr wants businesses and government to take advantage of low interest rates and invest in long-term projects, but says savers may need to re-think relying on low-risk term deposits.

Slashing OCR has worked, economist says

28 August 2019 - The OCR is low and poised to get lower but Westpac’s chief economist doesn’t believe that means concerns about a negative OCR are warranted.

Are property investors returning to the market?

26 August 2019 - Property investors are said to be returning to the housing market, CoreLogic says but, if they are, it’s not evident in the Reserve Bank’s latest mortgage lending data.

Low rates boost NZ’s housing affordability

21 August 2019 - Declining house prices and low interest rates have improved housing affordability across New Zealand over the first half of 2019, a new report from Moody’s Investors Service shows.

Regulators' group announces new vision

15 August 2019 - The Council of Financial Regulators (CoFR), which includes the Financial Markets Authority and Reserve Bank, has announced a new vision for New Zealand’s economic wellbeing and has added the Commerce Commission to the forum.

Stronger market on the cards

13 August 2019 - Those predicting a property market crash might have to reconsider as the latest REINZ data reveals signs of an improving market nationwide, including an increase in sales activity.

DTIs still on the Reserve Bank’s radar

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

OCR cut could prompt housing market upturn

8 August 2019 - The Reserve Bank’s decision to slash the Official Cash Rate (OCR) by 0.5% to a historic low of 1.0% has shocked the financial community, but what could it mean for the housing market?

OCR will fall further: economists react to shock cut

8 August 2019 - The Official Cash Rate could drop to 0.75% or even lower this year, economists say, after the Reserve Bank slashed the OCR by an unprecedented 50 basis points.

Reserve Bank surprises markets with 1% OCR

7 August 2019 - The Reserve Bank of New Zealand has surprised economists by slashing the Official Cash Rate by 50 basis points to just 1%.

OCR decision revealed

7 August 2019 - The Reserve Bank of New Zealand has cut the Official Cash Rate to a new record low of 1%. Here's why:

OCR will fall to 0.75%: Kiwibank

5 August 2019 - Kiwibank has changed its forecast for the Official Cash Rate and now “expects” the OCR will drop to 0.75% in this cycle.

COMMENT: The coming rental housing crisis

30 July 2019 - Failure of government to reverse policies will result in a calamitous fall in houses to rent and escalating rents in a crisis unseen since the 1930’s, writes veteran property investor Jonathan Bidmead.

OCR cut almost certain: BNZ

29 July 2019 - The Reserve Bank is “almost certain” to cut the Official Cash Rate to a record new low next week, according to BNZ economists.

The costs of rental policy changes

24 July 2019 - The deluge of policy changes to the regulations governing rental property are a key headwind for the housing market, according to ANZ economists.

Tough servicing rates could be eased

24 July 2019 - The end of tough loan servicing tests could be a step closer after the Australian Prudential Regulation Authority relaxed serviceability rules for Australian lenders.

Non-banks may face LVR speed bumps

9 July 2019 - Non-banks could one day be subject to loan to value ratio restrictions like the major banks, a consultation document from the Reserve Bank suggests.

LVR rules could be permanent

1 July 2019 - LVR restrictions on mortgage lending could be a "permanent setting", according to Reserve Bank deputy governor Geoff Bascand.

LVR rules could be permanent: Bascand

1 July 2019 - LVR restrictions on mortgage lending could be a "permanent setting", according to Reserve Bank deputy governor Geoff Bascand.

The takeover: more mortgages for FHBs

28 June 2019 - First home buyers have now taken over from investors in the mortgage lending stakes, new Reserve Bank data reveals.

Expect more intrusive Reserve Bank: Bascand

27 June 2019 - The Reserve Bank is likely to become more "intrusive" in policing banks and insurance companies, according to deputy governor Geoff Bascand.

Expect more intrusive Reserve Bank: Bascand

27 June 2019 - The Reserve Bank is likely to become more "intrusive" in policing banks and insurers, according to deputy governor Geoff Bascand.

Rates to fall further?

27 June 2019 - Even cheaper mortgage rates could be on the way after the Reserve Bank signalled it may cut the OCR again this year. Economists predict an August cut,...

OCR decision revealed

26 June 2019 - The Reserve Bank has kept the Official Cash Rate on hold at the record low of 1.5%. Here's why.

Banks scrap sales incentives

25 June 2019 - No rate changes today after BNZ's cuts yesterday. There's some interesting news from the lenders, as the Financial Markets Authority and Reserve...

Banks scrap sales incentives

24 June 2019 - New Zealand's banks have committed to ending sales incentives for frontline staff and their managers following pressure from regulators.

Banks refuse to release submissions on RBNZ proposals

5 June 2019 - While Westpac has released its submission to the Reserve Bank on the proposed new capital requirements, the other big Australian-owned banks are refusing to follow suit.

Reserve Bank: Insurers' solvency standards under scrutiny

29 May 2019 - New Zealand life insurers are highly profitable compared to their international peers, the Reserve Bank says, as it suggests requiring them to hold more capital.

LVR restrictions to remain at current level: RBNZ

29 May 2019 - The Reserve Bank has decided against easing loan to value ratio restrictions, and believes current settings "remain appropriate for now".

Investor activity subdued in April

24 May 2019 - Investors borrowed just $988 million in April, down from $1.26 billion in the same month last year, according to new figures from the Reserve Bank.

Small banks fire warning on capital requirements

23 May 2019 - Four smaller banks have warned that the Reserve Bank's new capital proposals could inadvertently widen the competitive gap between them and the big four.

LVR restrictions stabilise property market: RBNZ

22 May 2019 - Loan to value ratio restrictions play a crucial role in promoting financial stability, the Reserve Bank has concluded, following a review of macroprudential policy.

Reserve Bank forces ANZ to increase risk capital by 60%

17 May 2019 - The Reserve Bank has revoked ANZ's license to model its own operational risk capital, a move that will force the lender to increase its minimum capital by 60%, or $277 million.

Caution urged on financial safeguards

14 May 2019 - The government must ensure its proposed financial safeguards do not affect competition and consumer choice, according to Luke Jackson, head of Resimac's NZ business.

[GRTV] Orr explains why the RBNZ cut the OCR

11 May 2019 - Reserve Bank governor Adrian Orr joins Philip Macalister in the studio to talk about why the central bank cut the OCR this week.

BNZ, ASB latest to cut rates

10 May 2019 - BNZ has followed its major rivals by slashing fixed and floating mortgage rates, as price continue to plummet for borrowers.

OCR cut to boost market

9 May 2019 - New Zealand has never seen the Official Cash Rate (OCR) go so low. Now commentators are saying it will reignite the cooling embers of the property market.

OCR cut to 1.5%: could it fall even further?

8 May 2019 - The Reserve Bank has cut the Official Cash Rate to 1.50%, and economists believe we could see a further cut later this year.

OCR Decision: Rate Cut to 1.50%

8 May 2019 - The Reserve Bank has chosen to cut the Official Cash Rate to 1.50%. Find out why ......... [READ ON] ...

OCR Preview Survey: Economists predict cut

2 May 2019 - A majority of New Zealand economists predict the Reserve Bank will cut the Official Cash Rate to a new record low of 1.50% next week, according to TMM’s Preview Survey.

Investor lending weak in March

30 April 2019 - The latest Reserve Bank lending data reveals investors borrowed more than $1 billion in March, the highest figure since November, but a 10% fall on the same period last year.

Investor lending weak in March

29 April 2019 - The latest Reserve Bank lending data reveals investors borrowed more than $1 billion in March, the highest figure since November, but a 10% fall on the same period last year.

Capital requirements a risk to growth: ANZ

23 April 2019 - The Reserve Bank's proposals to force banks to keep extra capital could be a "significant headwind" to the economy and reduce the availability of credit, according to ANZ economists.

NZ banks could face $21bn capital shortfall

10 April 2019 - New Zealand banks could be left with a $21 billion capital shortfall under the Reserve Bank's new capital rules, according to research from investment bank UBS.

Investor slump continues in February

27 March 2019 - The latest Reserve Bank figures show investors borrowed just $886 million in February, down on the same month in 2017 and 2018, as first home buyers narrow the gap.

First home buyers close gap on investors

27 February 2019 - January mortgage lending data from the Reserve Bank reveals first home buyers continue to grow their market share, closing the gap on property investors.

First home buyers close gap on investors

27 February 2019 - January lending data from the Reserve Bank reveals first home buyers continue to grow their market share, closing the gap on property investors.

Reserve Bank proposals to boost non-banks: S&P

25 February 2019 - Reserve Bank plans to force banks to hold extra cash for financial security could inadvertently boost non-banks in New Zealand, credit agency S&P believes.

Unprecedented scrutiny on bank conduct: Kiwibank CEO

20 February 2019 - Kiwibank CEO Steve Jurkovich has noted the "unprecedented scrutiny" on bank conduct and culture, after the domestic lender posted a $62 million profit in the six months to December.

OCR Preview: caution expected from the Reserve Bank

8 February 2019 - Economists do not believe the OCR will change next week, but predict the Reserve Bank will take a cautious stance on future growth, with a number of headwinds for New Zealand and the global economy.

Investors struggle as first home buyers catch up

29 January 2019 - Investor borrowing slumped to its lowest level since January 2018 in the final month of last year, according to new figures from the Reserve Bank. First home buyers, meanwhile, continue their resurgence in the market, nearly surpassing investors.

Regulators: Life insurance needs to change

29 January 2019 - New Zealand’s financial sector regulators have slammed life insurers – and the way they deal with advisers - in their report into the sector’s conduct and culture.

Reserve Bank proposals could force $2 billion mortgage hike: UBS

18 January 2019 - The Reserve Bank's new capital proposals could force Kiwis to pay $1.9 billion-$2.7 billion more for their mortgages each year, investment bank UBS has warned.

Industry ready for regulators' insurance report

17 January 2019 - A Financial Markets Authority and Reserve Bank report into life insurers’ conduct is due at the end of this month – and insurers are bracing for a tougher line than was taken with banks.

Ten things to look out for in 2019

1 January 2019 - What are the top 10 factors that will shape the property market for the year ahead? CoreLogic Head of Research Nick Goodall shares his top tips.

2018 – a year of uncertainty

31 December 2018 - If last year was a year of disruption, this year was one in which the movement towards change took off – and many investors were left floundering and uncertain.

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.

ANZ predicts 1% OCR in 2020

20 December 2018 - ANZ has predicted the Official Cash Rate will be cut to just 1% in 2020, as it adopts a more dovish outlook on the New Zealand economy.

Heartland outlines cost of RBNZ rules

20 December 2018 - Heartland Bank is the latest lender to respond to the Reserve Bank's radical new capital rules, saying it may have to hold an extra $15 million a year to meet the proposals.

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.

Reserve Bank proposes new capital rules

14 December 2018 - The Reserve Bank of New Zealand has proposed that banks should hold between 20% and 60% more capital on their balance sheets, a move likely to increase borrowing rates and put more pressure on major lenders.

Treasury predicts OCR hike in 2020

13 December 2018 - The Treasury has followed the Reserve Bank and pushed back its prediction for the next OCR hike. The Treasury now expects the OCR will tighten from the 2020/2021 financial year, as New Zealand's major institutions forecast a lower-for-longer rate environment.

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.

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.

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.

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.

Kiwis paying off loans at faster rate: Westpac

22 November 2018 - Kiwi homeowners are paying down mortgage debt at a faster rate, taking advantage of the extended period of record low interest rates, according to new figures from Westpac.

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.

Banks told: Make sure you know what advisers doing

6 November 2018 - More work is needed to ensure banks are comfortable with the quality of conversations and advice being given by advisers, the Financial Markets Authority and Reserve Bank say.

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.

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.

Reserve Bank may expand dashboard to insurance

5 October 2018 - The Reserve Bank’s says the popularity of its Financial Strength Dashboard hs exceeded expectations, and it is now looking to extend it to insurance.

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".

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.

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.

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.

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.

Construction slump slows GDP

22 June 2018 - A fall in construction activity contributed to a slowdown in New Zealand’s economy in the three months to March.

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.

Insurers next for regulatory scrutiny

24 May 2018 - [UPDATED] New Zealand's life insurers are now being asked to show what they are doing to identify issues of misconduct within their organisations.

Royal Commission triggers letter to insurers from FMA and RBNZ

24 May 2018 - The FMA and the RBNZ have sent the letter below to the chief executives of New Zealand’s licensed life insurers

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.

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.

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.

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.

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.

Economic outlook still positive: ASB

15 November 2017 - Investors are being told to expect less economic growth over the second-half of the year – but the slowdown should not last.

What the Governor said today

9 November 2017 - The Reserve Bank has made its final Official Cash Rate Call for the year, here is what the bank had to say about interest rates.

Westpac says advisers important, but...

8 November 2017 - Westpac CEO David McLean explains the bank's latest profit figures, why it won't do loans over 80%, the outlook for the housing market and the importance of mortgage advisers.

Reserve Bank changes 'not radical'

8 November 2017 - The Government is set to introduce an employment objective for the Reserve Bank but that is unlikely to affect the future direction of interest rates.

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.

OCR stable . . . for now

3 November 2017 - [OCR Preview] Economists are confident the Reserve Bank won't move the Official Cash Rate off it's historical lows next week, but there is an emerging divergence of views about what will happen in the future now there is a new government in power.

Investors search for income

2 November 2017 - More investors are looking for products that produce income in retirement, as low interest rates persist.

Commerce Commission: No issues for Sovereign

26 October 2017 - The Commerce Commission has signalled it sees no problems with AIA’s move to buy Sovereign in New Zealand.

FSLAB could be slower

24 October 2017 - Progress of the Financial Services Legislation Amendment Bill may be slower under the new Labour-led government than it might have been under National.

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.

Ralph Stewart's Lifetime picks up former Tower business

6 October 2017 - Ralph Stewart's variable annuities business, Lifetime Income, has acquired a book of policies from the old TOWER Insurance business.

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.

Labour would change Reserve Bank - so what?

21 September 2017 - A change of government this weekend could mean a new direction for the Reserve Bank and another element for investors to understand.

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.

Kiwibank's IT work-in-progress proves costly

1 September 2017 - Kiwibank’s profit has tumbled more than 50%, largely due to an impairment charge relating to an IT project that may fail to keep up with the pace of customer behaviour change.

LVRs still needed - RBNZ

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

Softer market better time to buy

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

Investor lending exodus

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

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.

Getting to Know: Peter Neilson

18 August 2017 - Peter Neilson was the chair of the Financial Services Council until insurers quit in revolt over a report into insurance commissions, and was the Associate Minister of Finance during the sharemarket crash. Here, he talks about why advisers should be more like surgeons.

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