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Independent Economist Tony Alexander gives us a breakdown of what is happening in financial markets and the housing market.

With so many different forces playing out in the market right now - interest rates, inflation, the border reopening - how far might they go?

We come bearing good news, investors! As of the 21st March 2022, the rate of return across two of our Investment Classes – Home Loans and Construction Loans – has increased by 0.25%.

As Kiwi businesses and consumers are left to grapple with a nasty cocktail of inflation and higher interest rates, there will be a raft of implications for our economy.

Tighter LVR restrictions might feel like the end of the world for first home buyers right now, but the good news is these measures are only ever temporary. Here are our tips to give you the best chance of success under current conditions.

The Reserve Bank have recently invited people to make submissions on their proposal to introduce debt to income requirements which banks must apply to new borrowers.

I recently wrote about the end-game being underway for the three decade period of high average house price rises. I still remain of that view, but for now the market retains considerable strength.

There are a growing number of factors in play which suggest that while demand for housing will remain firm, we've entered the end game for the period of strong house price rises well exceeding the rate of growth in household incomes.

Interest rates offered by banks are low as a result of the pandemic. The Government has helped out lots of parts of society, and we’re all grateful for this. Have they helped those reliant on interest income?

In this article I’m focusing on the idea of debt-to-income ratios. It is likely that they will be a key tool used by the Reserve Bank to meet its new house price stability objective.

Banks were actually already lobbying the Reserve Bank to reinstate LVRs because of their concern about the speed with which house prices were rising and the frenzied level of market activity.

Growing house construction is a substantial boom for the economy through extra business for materials manufacturers and distributors, architects, inspectors and so on.