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Housing Market

Market update: House prices take a hit, but do they have further to fall?

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

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

Chin up: Why tighter LVR restrictions aren't the end of the world for first home buyers

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.

Housing Market

More lending restrictions coming

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.

Housing Market

Delay in monetary policy tightening may boost housing

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.

Housing Market

Multiple factors contributing to a slower housing market

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.

Financial planning

Covid impact on people reliant on interest income

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?

Housing Market

House price stability and interest rates

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.

Housing Market

The return of LVR restrictions

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.

Housing Market

House price boom turns to construction boom

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

Housing Market

No more first tier asset lenders

A common misconception with borrowers, brokers and buyers is that the most important thing is how much deposit or equity you have. Whilst important, changes to lending standards have changed the focus over the past 12 months.

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