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It’s the time of the year when the Mortgage Lab buffs up our Crystal Ball, gazes into the infinitely complicated world of economics, and comes up with sufficiently generic interest…

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The Official Cash Rate (OCR) explained

What is the Official Cash Rate? The Official Cash Rate (OCR) is an interest rate set by the Reserve Bank of New Zealand. To be specific, it is the interest rate…

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How Do I Calculate Yield?

When you’re looking for an investment property, you are often either looking for capital growth or yield. Yield is the income you receive in rent, ideally giving you a positive…

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What does a million dollars buy you in the major cities

With Covid-19 lockdowns, working from home has become the new norm. It’s highly probable that buyers who were previously looking to purchase in the larger cities will now be looking…

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Stop looking at the Performance of House Prices

Almost every potential house buyer, at some point, will utter some version of the words “what are house prices doing at the moment?”.  It’s an understandable concern.  You don’t want…

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Bank Relief Packages and Mortgage Holidays

Article current as of 1st April 2020 (no April Fools jokes are contained – all information accurate) With the recent announcements with bank relief packages and mortgage holidays, we are…

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3 things to do now to prepare for a recession

We are entering an unprecedented time.  The Reserve Bank has announced an Official Cash Rate drop of 0.75% leaving the cash rate at a historic low of 0.25%.  Most economists…

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OCR Announcement - 16th March 2020

The Reserve Bank today announced that the OCR would be reduced by 0.75% to a new level of 0.25%. International markets around the world have been severely affected by the…

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2022 Predictions Interest Rates / House Prices

It’s the time of the year when the Mortgage Lab buffs up our Crystal Ball, gazes into the infinitely complicated world of economics and comes up with sufficiently generic interest…

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The Rule of 72

Whenever you’re dealing with complex numbers, it helps to have a few tricks to make quick calculations easy.  So here’s an easy way to calculate how long an investment will…

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2019 Interest Rates Prediction

It’s the time of the year when we buff up our Crystal Ball, gaze into the complicated world of economics and finance and come up with sufficiently generic forecasts/predictions to…

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financial stability report, RBNZ, LVR, Economy

The Reserve Bank of New Zealand has released it’s 6 monthly Financial Stability Report. Previous Financial Stability Report Almost exactly one year ago, on the 29th November 2017, the RBNZ announced…

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City focus - Tauranga

This month our Mortgage Advisers take a good look at the property sector in the beautiful city of Tauranga. Tauranga Property Prices It would be fair to say that property…

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