NZ and Australia are set to see some upside almost immediately from the agreed US-Iran peace deal.
Lower Oil prices, the opening of the Strait of Hormuz and lower interest rates.
RBNZ may have room to cut interest rates - and this can only be a good thing for borrowers and...
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US Iran Peace Deal reached - what does it mean for NZ?
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Interest rates 1 year fix
What are the best deals / rates you guys are seeing out there at the moment on a 1 year fixed rate (400k) and a revolving credit loan (400k)
cheers -
Go long, go short or float?
Many kiwi homeowners face tough questions regarding their home loans this year.
4 out of 5 who have come off a fixed rate have either gone short or left it floating until RBNZ makes its next rate drop and their lenders do likewise.
What's interesting - Kiwi homeowners play... -
Lending update
A good update on housing and loans... -
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Cuts coming faster than we predicted
Well, we didn't expect this happening this side of Christmas.....
A mortgage rates war coming? (I hope so
). It's a race to the bottom - come on banks you know you can do it!
cheers,
Donna... -
Mortgage pain for UK brorrowers
No downward movement for interest rates in the UK yet. 2024 - the year of pain for 800K borrowers.
https://www.bbc.co.uk/news/business-65925224... -
If interest goes up and you break term early, will bank waive early breaking penalty?
I heard of, if interest goes up and you break the term earl, the banks always waive the big early breaking term penalty, only charge small procedure fee; but if interest goes down, you break the term early, the bank will charge big early breaking penalty, plus procedure fee. Is that true?
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Interest rate rising to the end? How interest rate will change in 1 year,3yr,5 yr?
Recently all the commercial banks did NOT increase fixed rate by following reserve bank's OCR increase and some banks lower 1 yr rate, lifted 5 yr rate. Is it a sign that the interest rising comes to the end? Or the banks just wants to get more clients, then will increase rate later? What do you think... -
Heartland Bank - mortgages
Hi everyone,
Keen to know if you’ve had a mortgage with Heartland bank and what was your experience?
There rates are much lower than the big banks.
I have a loan coming off fixed and need to look around for best deal.
cheers
Donna
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interest rates fixed for 6 months then refix or fixed longer?
Currently buying ex wife out of current home in Auckland mortgage will be 561k when I take ownership, in 6-8 months we will be selling investment property hoping to come out with 200k or more, I was thinking fixed for 6 months then paid down some of the loan maybe 50k-100k then refix longer or should... -
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Tinkering
If a bare section of 400 square metres in Flat Bush sells for $800,000, no amount of tinkering with free school lunches and free period products will make any significant difference to the stress which very large numbers of New Zealand households are under – both those who are paying rent and those... -
Will OCR drop again next year Feb 2020?
My loan expires in beginning of Jan 2020, should I wait for next OCR review, which will be in 12th Feb (correct if I'm wrong), should I wait for next review?
I think it's likely to drop again, your view? -
Commercial Interest Rates
Hi - can someone give an idea about fixed and floating commercial loan interest rates?
We have had variable rate mortgage for some time and interest has been about 5.3 - 5.6 %.
Cheers.
