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Ryan Smuts: Making sense of the RBNZ Nov 2019 FSR

The RBNZ publishes its Financial Stability Report every May and November outlining the key areas of interest relating to the NZ economy, with a snapshot of where things sit today and things to be aware of moving forward. As property investors, we operate in a market which is strongly influenced by the financial system, due to the need for capital and the benefit of leverage when it co... read more
{{name}} - APIA Auckland Property Investors

OCR predictions - should they be taken seriously?

This week's question comes from Pat (paraphrased): The Internet is riddled with OCR predictions. Every commentator sounds just as learned and trustworthy as the next. How seriously should property investors take these predictions? To answer this question, we've turned to Ryan Smuts from Kris Pedersen Mortgages & Insurance. Ryan, take it away! 'While ... read more
{{name}} - APIA Auckland Property Investors

Ryan Smuts: What investors need to know about the recent OCR cut

The OCR has been cut recently by 0.5% - a lot higher than many economists were initially expecting. What might this mean for the borrower? Over the last fortnight, we at the Kris Pedersen Mortgages team have seen some key effects come into play: across the market floating rates have dropped and in many cases, as much as 0.5%. Lenders like ASB for example took their floating rate down f... read more
{{name}} - APIA Auckland Property Investors

OCR increase - a sign of things to come?

Interest is without a doubt the biggest expense for most, if not all, property investors. A movement, however slight, in the OCR can have real consequences for property investors. It is perhaps unsurprising then that the latest increase in OCR announced by the Reserve Bank once again propels interest rates into the national psyche. Still, yesterday's Monetary Policy State... read more

Quick Property Facts: OCR and Interest Rates

We often get asked by newbie investors what the Official Cash Rate is and how it affects property investors. Leaving the nitty-gritty details to the real experts, the Official Cash Rate ("the OCR") can largely be explained thus: One of the key functions of The Reserve Bank Of New Zealand ("RBNZ") is to manage a sound a dynamic economy focusing one three key fundamentals: sustainable grow... read more

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