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Building costs have shot up by a whopping 40% over the last 3-4 years, and when you throw in sky-high interest rates and hurdles from the Resource Management Act, developers and home buyers alike are dealing with a real headache.

New Zealand economic data has painted a pretty sorry picture in recent months. But bad news for the economy will eventually be good news for Kiwi mortgage borrowers when it comes to the future of interest rates.

Later this year, a new set of lending restrictions - DTIs - will come into effect in New Zealand, setting rules for how much people can borrow to buy a home based on a multiple of their income. Here's what you need to know.

The toilet paper shortage crisis is over — but is it turn for housing shortages in New Zealand?

If the Reserve Bank were to raise the cash rate again, they would overly depress the economy and end up having to cut interest rates aggressively through 2025 and 2026. So is it still likely that an extra tightening of monetary policy will occur?

The Reserve Bank is giving nothing away ahead of its first Official Cash Rate announcement of the year, in late February, but the market is increasingly anticipating rate falls to start sometime this year.

With most people now back at work and the kids back at school, passage of time away from the election and pre-Xmas hassles will likely start encouraging more people to give thought to buying or selling a house. But can we see evidence yet that a new wave of buyers is coming through?

Wholesale rates are one of the big drivers of bank mortgage rates — and in the last eight weeks or so, they’ve fallen about 0.7%. It’s a significant drop, which means they’re now back down to roughly where they were a year ago. So what does this mean for borrower interest rates?

REINZ's latest data tells us that prices are rising, sales have weakened, and houses are selling at a faster pace. But will this continue on into 2024?

It feels pretty clear we're at the top of the current interest rate cycle. But with one more Official Cash Rate announcement to come for the year, what are the expectations for interest rates come 2024?

If all the latest headlines are to be believed, we're in for a big comeback in house prices over the next 12 months or so. But when it comes to the question of "to buy or not to buy?", Squirrel guest blogger Rodney Dickens reckons the numbers don't quite stack up in favour of a house price surge just yet.

With good job security and sizeable deposits, first home buyers have jumped boots and all into the housing market since early this year. But with extra buyers set to appear in the near future, is time working against first home buyers?