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Financial planning

Squirrel rate increase delivers even higher returns for investors

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%.

Housing Market

Market update: Is a recession just around the corner?

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.

Housing Market

With recession comes opportunity – A potential silver lining for buyers in the housing market

As Kiwis grapple with the double whammy of higher interest rates and high inflation, there’s no doubt people are starting to feel the pinch. Could current economic pressures lead to a drop in house prices?

Housing Market

Treasury hedges its house price bets

This Wednesday, Treasury released their latest set of economic and fiscal forecasts, as legislation requires they do just ahead of a general election.

Financial planning

Investor appetite for risk about to change

While homeowners are relishing the lowest home loan rates we have seen in NZ, investors are doing it tough where ‘safe returns’ at the bank are now often no better than inflation. So what other investment options are there?

Housing Market

The 12 month rate fix (part 2)

12 Month interest rates are at all time lows for New Zealand, however it may not be prudent to fix over that term. In part 1 we covered the OCR, inflation the connection between inflation and interest rates. Let's now talk about forward interest rates and current inflationary drivers in NZ.

Housing Market

The 12 month rate fix (part 1)

12 Month interest rates are particularly appealing at the moment. Kiwibank has most recently offered a 12-month fixed rate sub 4% and many banks are moving in the same direction. This is fantastic for the next 12 months, however it pays to think about what you are going to do post the expiry of this rate.

Housing Market

End of cycles | A world without interest?

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

Housing Market

Inflation or deflation – the road ahead

Waiting for inflation is feeling increasingly like the quest for the Holy Grail, or as I approach 45 ‘waiting for god’. Oh, so old!

Housing Market

Why mortgage rates are set to increase

The Reserve Bank is still talking about low inflation and the potential for the OCR to decrease further, so how is it that in this environment mortgage rates can go up?

Housing Market

Will consumerism kill the goose? | The global debt crisis

So much stimulus, and yet no growth and negligible inflation. Lowering interest rates to entice people to borrow and spend is not a sustainable strategy.

Housing Market

Big economic trends you need to be aware of in 2015

With incredibly loose monetary policy implemented around the world we are going through uncertain economic times.

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