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John Bolton


New Zealand house and park

Latest on house prices

As we’ve been expecting for some time, house prices have softened and continue to soften....

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laptop - borrowing online

Borrowing without the bank – how to save money by consolidating your debts

Peer to peer lending allows you to borrow without talking to the bank. You’re essentially ...

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Banks disrupted

How banks will be disrupted

For all the talk of new threats, banks still dominate our world. My view is that this is a...

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Pre-election update on mortgage rates

The election will do nothing medium term to interest rates. Fundamentally not much will ch...

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End of tunnel

End of cycles | A world without interest?

Is our ‘low interest rate world’ the beginning of the end of money as we know it?...

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Technology

Inflation is dead

Technology is starting to progress faster than our ability to grasp its impact on our worl...

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Percentage symbol made of clouds

The latest on mortgage rates | July 2017

For now, competition from the minnows is keeping rates lower, but for how long?...

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Selection of lollies

Squirrel welcomes more bank options and 100% build finance

Squirrel has access to more lenders than any other broker and the only 100% build finance ...

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Auckland view from Mt Eden

Auckland house sales fall 30%

Auckland sales volumes are down 30% year-on-year and Barfoot & Thompson is saying that hou...

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Red shoes, walking up stairs

Why interest rates won’t increase, much - June 2017

I love throwaway comments about interest rates. We even get them from Government Ministers...

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Anxious monkeys

Financial anxiety in 2017

We’ve recently run a small Facebook survey on what’s causing kiwis financial anxiety in 20...

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Chess pieces

Auckland housing stalemate but not a ‘crash’

Confidence in the housing market is low and that’s not surprising given the amount of nega...

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Piggy bank with coins spilling out

How much money do you need for retirement?

I’ve seen numbers like $1million floated around. If you accept that you’ll gradually run d...

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Yellow field landscape, converse shoes in foreground

Making sense of the mortgage landscape

There’s no doubt about it – the mortgage landscape has changed. Credit markets are tighten...

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Looking down at Auckland central

What to make of a softening Auckland housing market

January housing statistics were bleak, and Barfoot & Thompson’s results from February are ...

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Person holding up sign with graphs and mindmaps

The innovation age

As we’ve noted for some time there are some big forces in play that are increasingly chang...

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Orange Volkswagen

The cost of car ownership

When I lived in London I never owned a car. And when I worked in Sydney and Melbourne I si...

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Graphs and keyboard on a desk

Banking on margins

The reality is that the industry is looking to mortgage margins to restore profitability f...

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Wallet being tightened by clamp

Tighter credit policy will drive the housing market in 2017

I am always frustrated by our media and how they report house prices. Tabloid rubbish boun...

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Long stretch of road

Inflation or deflation – the road ahead

Waiting for inflation is feeling increasingly like the quest for the Holy Grail, or as I a...

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Person holding a newspaper

The Geo-political zoo of 2017

The global economy is still in a muddle. So it’s difficult to get a clear gauge on what wi...

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