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The reality is that the industry is looking to mortgage margins to restore profitability from a tough 2016.

Banks offering you cash for signing up a mortgage is a relatively new phenomenon, and one that won’t last much longer.

I am always frustrated by our media and how they report house prices. Tabloid rubbish bouncing from headline to headline with no substance.

There has been talk this week about debt-to-income ratios due to the Reserve Bank asking the Government to consider it as part of its macro-prudential toolkit.

Commentators continue to talk up the property market and increasing prices almost at the chagrin of the RBNZ.

New LVR restrictions from the Reserve Bank are significantly changing the borrowing landscape of New Zealand. No longer restricted to Auckland, the limits now affect the whole of New Zealand, while the rules themselves have become significantly more intense.

The new loan-to-value (LVR) ratio restrictions have officially come into effect as of 1 September, but it appears that the rules are not quite set in stone yet.

Generally speaking, it’s fair to say that this round of reserve bank rule changes will have a bigger effect than the ones it’s rolled out before.

Typical of our tabloid media we get the usual fear driven headlines designed to sell papers.

With so many people choosing to go interest-only, you might be asking yourself why it's proving so popular. Here's what you need to know about this method of financing: both the pros, and the cons.

In recent weeks the banks have tightened up their credit policies and specifically rules around non-residents being able to borrow. The changes came out of nowhere, but in reality the issue that banks have been forced to deal with has been brewing for some time.

When the RBNZ introduced the tighter LVR restrictions across Auckland in November last year, many investors might have clutched their pearls and said a few Hail Marys.