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If you own your own business, chances are you've stopped to wonder at some point whether it's worth investing in your own premises. Here's what you need to know if you're thinking about buying owner-occupied commercial property.

The Reserve Bank has a tradition of being too slow to hike and cut and is likely to continue this tradition because of its poor forecasting and lack of understanding of what is going on at the coalface of the economy. The market, however, is usually quicker to respond — will it be the one to lead a fall in interest rates this year?

Most commentators are picking it'll be late 2024 (or worse, 2025) before interest rates start falling again — but the Chief, David Cunningham, reckons there's a strong case for the RBNZ to begin dropping rates much sooner.

It's tough going out there at the moment, and we're all feeling it in one way or another. The housing market is subdued, and NZ economic data is painting a pretty bleak picture. So the question on everyone's minds is: when will interest rates start to fall again?

According to bank economists, NZ’s latest inflation stats make it clear it’s far too soon think about dropping interest rates. But the Chief, David Cunningham, reckons the official numbers don’t paint an accurate picture of the situation.

Not all savings accounts are created equal, and it's worth knowing what all your options are so you can get set up with the one that best suits your savings goals. Here, we've pulled together a wrap-up of the different savings accounts available across New Zealand's main retail banks.

The economy is officially back in recession, and the prospects for a weaker labour market are scaring people. So, is everything bad and should we all go to Australia?

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.

Over the life of your mortgage, you'll fork out at tens - probably hundreds - of thousands in interest payments. But there are tricks to help you get your home loan paid off faster, and save a packet.

Once inflation's got its hooks in, it can take years for interest rate hikes to trickle through and reverse the damage. But, as Rodney Dickens explains, a more proactive approach from the RBNZ could go a long way to solving that problem.

Competition means it can really pay to shop around — and it’s the same deal when it comes to getting the best interest rate on your savings.

Do banks price their term investments strategically, to try and tempt you to go for one term over another? Check out what our COO Dave Tyrer has to say about it.