Gain an advantage by keeping your ears to the ground.
Featured articlePullback from the war shock continues Each month we invite mortgage advisors around the country to give insights into developments in the residential real estate market from their unique perspective. Our latest survey has attracted 57 responses. The main themes to come through from the statistical and anecdotal responses include the following. While investors remain
Read More »Pullback from the war shock continues Each month we invite mortgage advisors around the country to give insights into developments in the residential real estate market from their unique perspective. Our latest survey has attracted 57 responses. The main themes to come through from the statistical and anecdotal responses include the following. While investors remain
Read More »Finance Demand is still relatively quiet Each month we invite mortgage advisors around the country to give insights into developments in the residential real estate market from their unique perspective. Our latest survey has attracted 58 responses. The main themes to come through from the statistical and anecdotal responses include the following. Overall demand for
Read More »Market quietens down amidst Middle East concerns Each month we invite mortgage advisors around the country to give insights into developments in the residential real estate market from their unique perspective. Our latest survey has attracted 41 responses. The main themes to come through from the statistical and anecdotal responses include the following. Many first
Read More »Banks open the doors some more Each month we invite mortgage advisors around the country to give insights into developments in the residential real estate market from their unique perspective. Our latest survey has attracted 59 responses. The main themes to come through from the statistical and anecdotal responses include the following. Banks have reignited
Read More »Fixing two years strongly preferred Each month we invite mortgage advisors around the country to give insights into developments in the residential real estate market from their unique perspective. Our latest survey has attracted 44 responses. The main themes to come through from the statistical and anecdotal responses include the following. Some slight easing of
Read More »Buyer’s market remains in force Each month we invite mortgage advisors around the country to give insights into developments in the residential real estate market from their unique perspective. Our latest survey has attracted 49 responses. The main themes to come through from the statistical and anecdotal responses include the following. There are few major
Read More »Healthy start to the year Each month we invite mortgage advisors around the country to give insights into developments in the residential real estate market from their unique perspective. Our latest survey has attracted 54 responses. The main themes to come through from the statistical and anecdotal responses include the following. First home buyers are
Read More »1.5% cashback deals blow out processing times Each month we invite mortgage advisors around the country to give insights into developments in the residential real estate market from their unique perspective. Our latest survey has attracted 51 responses. The main themes to come through from the statistical and anecdotal responses include the following. Brokers are
Read More »More buyers stepping forward Each month we invite mortgage advisors around the country to give insights into developments in the residential real estate market from their unique perspective. Our latest survey has attracted 49 responses. The main themes to come through from the statistical and anecdotal responses include the following. Brokers note seeing more first
Read More »Young buyers still dominate the market Each month we invite mortgage advisors around the country to give insights into developments in the residential real estate market from their unique perspective. Our latest survey has attracted 58 responses. The main themes to come through from the statistical and anecdotal responses include the following. First home buyers
Read More »Borrowers favour one-year fixed rates Each month we invite mortgage advisors around the country to give insights into developments in the residential real estate market from their unique perspective. Our latest survey has attracted 52 responses. The main themes to come through from the statistical and anecdotal responses include the following. Falling test rates are
Read More »Quiet mortgage market conditions Each month we invite mortgage advisors around the country to give insights into developments in the residential real estate market from their unique perspective. Our latest survey has attracted 63 responses. The main themes to come through from the statistical and anecdotal responses include the following. Brokers continue to report slow
Read More »Young buyers and investors still seeking advice Each month we invite mortgage advisors around the country to give insights into developments in the residential real estate market from their unique perspective. Our latest survey has attracted 52 responses. The main themes to come through from the statistical and anecdotal responses include the following. There continues
Read More »Caution returns to the mortgage market Each month we invite mortgage advisors around the country to give insights into developments in the residential real estate market from their unique perspective. Our latest survey has attracted 52 responses. The main themes to come through from the statistical and anecdotal responses include the following. There is some
Read More »Caution returns to the mortgage market Each month we invite mortgage advisors around the country to give insights into developments in the residential real estate market from their unique perspective. Our latest survey has attracted 56 responses. The main themes to come through from the statistical and anecdotal responses include the following. Brokers are very
Read More »Caution returns to the mortgage market Each month we invite mortgage advisors around the country to give insights into developments in the residential real estate market from their unique perspective. Our latest survey has attracted 52 responses. The main themes to come through from the statistical and anecdotal responses include the following. Bank turnaround times
Read More »Activity levels picking up Each month we invite mortgage advisors around the country to give insights into developments in the residential real estate market from their unique perspective. Our latest survey has attracted 70 responses. The main themes to come through from the statistical and anecdotal responses include the following. Activity levels have picked up
Read More »Banks opening the lending window Each month we invite mortgage advisors around the country to give insights into developments in the residential real estate market from their unique perspective. Our latest survey has attracted 69 responses. The main themes to come through from the statistical and anecdotal responses include the following. Banks have cleared mortgage
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After successive reductions to the Official Cash Rate in New Zealand, many banks have started reducing home loan interest rates. This has included floating (or variable) rates, which some customers prefer for the flexibility they can offer.
Read More »High frustration at bank delays Each month we invite mortgage advisors around the country to give insights into developments in the residential real estate market from their unique perspective. Our latest survey has attracted 58 responses. The main themes to come through from the statistical and anecdotal responses include these. Brokers are more and more
Read More »Spring bounce in demand Each month we invite mortgage advisors around the country to give insights into developments in the residential real estate market from their unique perspective. Our latest survey has attracted 75 responses. The main themes to come through from the statistical and anecdotal responses include these. Brokers have become very frustrated about
Read More »Strong buyer demand evident Each month we invite mortgage advisers around the country to give insights into developments in the residential real estate market from their unique perspective. Our latest survey, undertaken this week, attracted 59 responses. The main themes to come through from the statistical and anecdotal responses include these. Bank turnaround times for
Read More »More buyers making enquiries Each month we invite mortgage advisers around the country to give insights into developments in the residential real estate market from their unique perspective. Our latest survey, undertaken this week, attracted 51 responses. The main themes to come through from the statistical and anecdotal responses include these. Lenders are becoming more
Read More »Buyers return Each month we invite mortgage advisers around the country to give insights into developments in the residential real estate market from their unique perspective. Our latest survey, undertaken this week, attracted 65 responses. The main themes to come through from the statistical and anecdotal responses include these. Buyers are returning to the residential
Read More »Buyers still cautious Each month we invite mortgage advisers around the country to give insights into developments in the residential real estate market from their unique perspective. Our latest survey, undertaken this week, attracted 58 responses. The main themes to come through from the statistical and anecdotal responses include these. A few more investor buyers
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A lot of New Zealand homeowners will be coming to the end of their fixed terms this winter. One of the reasons for this was mortgage holders choosing shorter terms last year. By choosing a shorter term, they may have hoped rates would go down, and they’d be able to re-fix sooner than the average term length of 12-24 months. But seeing your term come to an end can still be a stressful time, especially if the rate you’re being offered is higher than you expected. The high cost of living is continuing to put pressure on many households.
Read More »Buyers more cautious Each month we invite mortgage advisers around the country to give insights into developments in the residential real estate market from their unique perspective. Our latest survey, undertaken this week, attracted 54 responses. The main themes to come through from the statistical and anecdotal responses include these. First home buyers are backing
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If you’re sitting on a 30-year loan, being mortgage-free can seem like a long way off. But small changes to how you live and structure your home loan could have an impact on the size of your loan and how long it could take you to pay it off.
Read More »Buyers still cautious Each month we invite mortgage advisers around the country to give insights into developments in the residential real estate market from their unique perspective. Our latest survey, undertaken this week, attracted 46 responses. The main themes to come through from the statistical and anecdotal responses include these. Amidst deepening concerns about job
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The Co-operative Bank is proud to have helped more than 370 customers get the keys to their first homes over the past year. While getting onto the property ladder might feel like a far-off dream for many New Zealanders, first home buyers made up 30% of new home loans drawn down by customers of The Co-operative Bank in the past 12 months.
Read More »Buyers more cautious Each month we invite mortgage advisers around the country to give insights into developments in the residential real estate market from their unique perspective. Our latest survey, undertaken this week, attracted 51 responses. The main themes to come through from the statistical and anecdotal responses include these. Buyer interest in residential property
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Purchasing a home as a first-time buyer has only gotten harder as the years have gone on. In 1985, the average price for a house was $56,500, while the average salary was around $17,100. Meaning the average home cost around 3.3 times the average wage.
Read More »Buyers edge back Each month we invite mortgage advisers around the country to give insights into developments in the residential real estate market from their unique perspective. Our latest survey, undertaken this week, attracted 54 responses. The main themes to come through from the statistical and anecdotal responses include these. Buyer interest in residential property
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Saving for a deposit to buy your first home is potentially one of the toughest, and longest, roads on your journey to home ownership. But once you’ve saved for it, what do you do next? Buying a home is a big investment, so you’ll likely want to be clear on all the stages that go into it.
Read More »First home buyers back Each month we invite mortgage advisers around the country to give insights into developments in the residential real estate market from their unique perspective. Our latest survey, undertaken this week, attracted 53 responses. The main themes to come through from the statistical and anecdotal responses include these. While first home buyers
Read More »First home buyers back Each month we invite mortgage advisers around the country to give insights into developments in the residential real estate market from their unique perspective. Our latest survey, undertaken this week, attracted 56 responses. The main themes to come through from the statistical and anecdotal responses include these. Banks are slightly easing
Read More »Investors increasingly present Each month we invite mortgage advisers around the country to give insights into developments in the residential real estate market from their unique perspective. Our latest survey, undertaken this week, attracted 57 responses. The main themes to come through from the statistical and anecdotal responses include these. The extent to which advisers
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The Christmas period can be a busy time, with gifts to buy, food to prepare, loved ones to visit or who are coming to stay, and summer holidays to take. But if you’re also looking to buy or sell a home during this period, there will be a lot more on your plate you may need to consider.
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After the decision to buy a home, the next big decision is where to go for your home loan. In the current interest rate environment, looking for the best price on your home loan is one factor, but there are other important considerations for new homeowners to think about too.
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Policy change to boost housing market The coalition government has now been formed and we have some new insights into the operating environment which people in the housing sector will face in the next few years. Specifically, the restoration of interest expense deductibility for property investors at an 80% level will return from April 1
Read More »Investors slowly returning. Each month we invite mortgage advisers around the country to give insights into developments in the residential real estate market from their unique perspective. Our latest survey, undertaken last week, attracted 75 responses. The main themes to come through from the statistical and anecdotal responses include these. First home buyers remain actively
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Buying a home is a significant life milestone—one that comes with many questions and concerns, especially in the current market conditions. At BNZ, we often hear these concerns from our customers. Here’s a snapshot of the current market, some helpful tips for first home buyers, and how BNZ can support you on your property journey.
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Loan Check is free to use and lets you quickly check your chances of getting pre-approval for a mortgage. It also lets you adjust your figures and immediately see the effect on your mortgage potential. If your Loan Check results look positive, we match you with a selection of trusted mortgage brokers from our hand-picked panel.
Read More »Strong first home buyer interest Each month we invite mortgage advisers around the country to give insights into developments in the residential real estate market from their unique perspective. Our latest survey, undertaken last week, attracted 75 responses. The main themes to come through from the statistical and anecdotal responses include these. First home buyers
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Self employed or have irregular income? Here’s how you could still get your home loan application approved. Traditional lenders like traditional income. But in real life, people earn money in different ways: from the self-employed, shift work, casual work, and more. You’ve got a subset of Kiwis who are very successful on their own merits, but they could be shut out of ‘prime’ or ‘bank’ loans simply because they don’t fit the credit criteria.
Read More »Interest rate falls still not imminent In my last column two months ago I rather cheekily wrote at the start “Maybe we’ll be right this time.” I was referring to the way in which all of our expectations regarding inflation and the levels to which interest rates would go have been wrong for the past
Read More »Investors return Each month we invite mortgage advisers around the country to give insights into developments in the residential real estate market from their unique perspective. Our latest survey, undertaken last week, attracted 85 responses. The main themes to come through from the statistical and anecdotal responses include these. The largest net proportion of brokers
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For many the time to refix their home loan is drawing near. As the clock ticks on your current interest rate term it can be scary pondering what your next move may look like as you search the web far and wide for that perfect rate. The truth? There is no ‘best deal’ or ‘perfect rate’. When it comes to choosing a new term there’s no one size fits all. Only you can determine what works best for you and often it’s better to assess your life situation and what rate will give you the most stability and reassurance both right now and over the life of your mortgage.
Read More »Our newsletter covers the latest market news including content from Tony Alexander, as well as tips for getting, managing and reviewing a mortgage.
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