About
David Chaston is the publisher of interest.co.nz and is commited to ensuring readers get the latest information on interest rates, and the forces that move them.
David Chaston
Latest articles
A review of things you need to know before you sign off on Monday; Kāinga Ora cuts most mortgage rates; retail card activity up, farmer sentiment high but dipping, confidence in Govt low & fragile, swaps rise, NZD stable, & more
8th Dec 25, 3:59pm
17
A review of things you need to know before you sign off on Monday; Kāinga Ora cuts most mortgage rates; retail card activity up, farmer sentiment high but dipping, confidence in Govt low & fragile, swaps rise, NZD stable, & more
US credit card debt rises, sentiment less bad; Canadian jobs rise on part-time work; China reserves inch up; India cuts; Japan spending falls; FAO food prices dip; UST 10yr at 4.14%; gold slips, oil holds; NZ$1 = 57.8 USc; TWI-5 = 61.9
8th Dec 25, 7:19am
5
US credit card debt rises, sentiment less bad; Canadian jobs rise on part-time work; China reserves inch up; India cuts; Japan spending falls; FAO food prices dip; UST 10yr at 4.14%; gold slips, oil holds; NZ$1 = 57.8 USc; TWI-5 = 61.9
We go hunting for the reasons fixed home loan rates have not followed the OCR down. Although these reasons are somewhat technical, they are real and may well indicate that fixed mortgage rates are about to go up
7th Dec 25, 2:00pm
10
We go hunting for the reasons fixed home loan rates have not followed the OCR down. Although these reasons are somewhat technical, they are real and may well indicate that fixed mortgage rates are about to go up
US data stops weakening; the IMF cheers Canada's resilience; India cuts its policy rate; global food prices dip; wheat and copper in focus; UST 10yr at 4.14%; gold firmish but silver jumps again, oil firms; NZ$1 = 57.7 USc; TWI-5 = 61.9
6th Dec 25, 8:29am
7
US data stops weakening; the IMF cheers Canada's resilience; India cuts its policy rate; global food prices dip; wheat and copper in focus; UST 10yr at 4.14%; gold firmish but silver jumps again, oil firms; NZ$1 = 57.7 USc; TWI-5 = 61.9
A review of things you need to know before you sign off on Friday; retail rates quiet, building work soft, rental market turns in tenant's favour, Crown accounts languish, farmer rush for bank debt, swaps firm, NZD firm, & more
5th Dec 25, 3:59pm
13
A review of things you need to know before you sign off on Friday; retail rates quiet, building work soft, rental market turns in tenant's favour, Crown accounts languish, farmer rush for bank debt, swaps firm, NZD firm, & more
US labour pressures remain; EU retail sales rise; Australian household spending up; supply chain pressures ease; but freight rates rise sharply this week; UST 10yr at 4.10%; gold eases lightly as oil firms slightly; NZ$1 = 57.7 USc; TWI-5 = 62.2
5th Dec 25, 7:19am
21
US labour pressures remain; EU retail sales rise; Australian household spending up; supply chain pressures ease; but freight rates rise sharply this week; UST 10yr at 4.10%; gold eases lightly as oil firms slightly; NZ$1 = 57.7 USc; TWI-5 = 62.2
We are taking a day off to celebrate our Silver Anniversary with colleagues and friends who have helped us build this news service
4th Dec 25, 9:30am
9
We are taking a day off to celebrate our Silver Anniversary with colleagues and friends who have helped us build this news service
US data mixed but hurt by shrinking payrolls; China services expansion slows; Chin local govt debt in focus; Australia grows less than expected; UST 10yr at 4.07%; gold firms as does oil; NZ$1 = 57.7 USc; TWI-5 = 62.1
4th Dec 25, 7:19am
17
US data mixed but hurt by shrinking payrolls; China services expansion slows; Chin local govt debt in focus; Australia grows less than expected; UST 10yr at 4.07%; gold firms as does oil; NZ$1 = 57.7 USc; TWI-5 = 62.1
A review of things you need to know before you sign off on Wednesday; Kiwibank trims TD rates, house build costs rise, dairy prices drop hard, commodity prices dip, car sales firm, NZU auction fails again, swaps soft, NZD firm, & more
3rd Dec 25, 3:59pm
16
A review of things you need to know before you sign off on Wednesday; Kiwibank trims TD rates, house build costs rise, dairy prices drop hard, commodity prices dip, car sales firm, NZU auction fails again, swaps soft, NZD firm, & more
Dairy prices drop; OECD watches global growth ease back; US signals mixed; Japanese sentiment rises; Australia building permits shrink; UST 10yr at 4.10%; gold eases and oil soft; NZ$1 = 57.3 USc; TWI-5 = 61.9
3rd Dec 25, 7:21am
22
Dairy prices drop; OECD watches global growth ease back; US signals mixed; Japanese sentiment rises; Australia building permits shrink; UST 10yr at 4.10%; gold eases and oil soft; NZ$1 = 57.3 USc; TWI-5 = 61.9
A review of things you need to know before you sign off on Tuesday; more TD rate trimming, Barfoots sees improvement, realestate.co.nz calls it a buyers market for summer, eyes on dairy, swaps firm again, NZD dips, & more
2nd Dec 25, 4:01pm
54
A review of things you need to know before you sign off on Tuesday; more TD rate trimming, Barfoots sees improvement, realestate.co.nz calls it a buyers market for summer, eyes on dairy, swaps firm again, NZD dips, & more
US factories falter as do Canadian factories; India industrial production stops expanding; China PMI retreat confirmed; UST 10yr at 4.09%; gold firm, silver surges again and oil soft; NZ$1 = 57.4 USc; TWI-5 = 61.9
2nd Dec 25, 7:19am
33
US factories falter as do Canadian factories; India industrial production stops expanding; China PMI retreat confirmed; UST 10yr at 4.09%; gold firm, silver surges again and oil soft; NZ$1 = 57.4 USc; TWI-5 = 61.9
A review of things you need to know before you sign off on Monday; residential building permits rise, survey says good time to buy a house, Kiwibank seeks more Tier 2 capital, NZGB bond trading surges, swaps up again, NZD holds, & more
1st Dec 25, 3:59pm
18
A review of things you need to know before you sign off on Monday; residential building permits rise, survey says good time to buy a house, Kiwibank seeks more Tier 2 capital, NZGB bond trading surges, swaps up again, NZD holds, & more
Eyes on retail sales; India GDP surges; China PMIs dip with factory sector contraction longest on record; Japan, Korea & Canada improve; UST 10yr at 4.02%; gold firm, silver surges and oil holds; NZ$1 = 57.4 USc; TWI-5 = 62
1st Dec 25, 7:19am
22
Eyes on retail sales; India GDP surges; China PMIs dip with factory sector contraction longest on record; Japan, Korea & Canada improve; UST 10yr at 4.02%; gold firm, silver surges and oil holds; NZ$1 = 57.4 USc; TWI-5 = 62
Canada, Japan, South Korea and India all post generally upbeat data while eyes turn to US holiday retail impulse; air travel and air cargo rise; UST 10yr at 4.02%; gold rises, silver surges and oil firmish; NZ$1 = 57.3 USc; TWI-5 = 62
29th Nov 25, 8:36am
11
Canada, Japan, South Korea and India all post generally upbeat data while eyes turn to US holiday retail impulse; air travel and air cargo rise; UST 10yr at 4.02%; gold rises, silver surges and oil firmish; NZ$1 = 57.3 USc; TWI-5 = 62
A review of things you need to know before you sign off on Friday; more savings account rate cuts, consumer sentiment up but not yet positive, private sector jobs retreat, home loans now affordable, swaps up, NZD stable, & more
28th Nov 25, 3:58pm
13
A review of things you need to know before you sign off on Friday; more savings account rate cuts, consumer sentiment up but not yet positive, private sector jobs retreat, home loans now affordable, swaps up, NZD stable, & more
Global eyes on end-of-year retail demand; Canadian earnings rise; China profits fall; APRA worried about housing loan risks; Aussie investment jumps; UST 10yr at 4.00%; gold dips and oil firms; NZ$1 = 57.2 USc; TWI-5 = 61.9
28th Nov 25, 7:22am
25
Global eyes on end-of-year retail demand; Canadian earnings rise; China profits fall; APRA worried about housing loan risks; Aussie investment jumps; UST 10yr at 4.00%; gold dips and oil firms; NZ$1 = 57.2 USc; TWI-5 = 61.9
A review of things you need to know before you sign off on Thursday; many floating rate reductions, retail rises, business confidence up, dairy productivity up, KiwiSaver balances up modestly, swaps up again, NZD up again, & more
27th Nov 25, 3:58pm
29
A review of things you need to know before you sign off on Thursday; many floating rate reductions, retail rises, business confidence up, dairy productivity up, KiwiSaver balances up modestly, swaps up again, NZD up again, & more
Pre-holiday data releases flood US markets, a mixed set; Singapore factories very busy; Hong Kong tragedy; Aussie inflation jumps unexpectedly; UST 10yr at 4.00%; gold up and oil firms; NZ$1 = 56.9 USc; TWI-5 = 61.6
27th Nov 25, 7:19am
14
Pre-holiday data releases flood US markets, a mixed set; Singapore factories very busy; Hong Kong tragedy; Aussie inflation jumps unexpectedly; UST 10yr at 4.00%; gold up and oil firms; NZ$1 = 56.9 USc; TWI-5 = 61.6
A review of things you need to know before you sign off on Wednesday; RBNZ cuts as expected, few changes so far, Westpac cuts dairy payout forecast, FHP delivers strong result, Aussie CPI jumps, swaps up, NZD jumps, & more
26th Nov 25, 4:00pm
20
A review of things you need to know before you sign off on Wednesday; RBNZ cuts as expected, few changes so far, Westpac cuts dairy payout forecast, FHP delivers strong result, Aussie CPI jumps, swaps up, NZD jumps, & more
[updated]
Cuts to savings account interest rates have started with one bank cutting less than the OCR reduction
26th Nov 25, 2:24pm
2
Cuts to savings account interest rates have started with one bank cutting less than the OCR reduction
[updated]
Co-operative Bank first to cut floating mortgage rate following RBNZ's OCR cut with a 31 bps reduction to 4.99%. Westpac, ANZ & ASB cut 20 bps, Kiwibank & BNZ by only 15 bps
26th Nov 25, 2:06pm
Co-operative Bank first to cut floating mortgage rate following RBNZ's OCR cut with a 31 bps reduction to 4.99%. Westpac, ANZ & ASB cut 20 bps, Kiwibank & BNZ by only 15 bps
US data droops as their consumer mood turns negative; Korean mood brightens; Taiwan follows suit; dairy prices fall again; UST 10yr at 3.99%; gold up and oil lower; NZ$1 = 56.1 USc; TWI-5 = 60.8
26th Nov 25, 7:19am
14
US data droops as their consumer mood turns negative; Korean mood brightens; Taiwan follows suit; dairy prices fall again; UST 10yr at 3.99%; gold up and oil lower; NZ$1 = 56.1 USc; TWI-5 = 60.8
A review of things you need to know before you sign off on Tuesday; BNZ trims some TD rates, job ads rise, Fonterra trims milk payout forecast, mortgage switching rises, bank NIMs ease, swaps soft, NZD stable, & more
25th Nov 25, 3:59pm
22
A review of things you need to know before you sign off on Tuesday; BNZ trims some TD rates, job ads rise, Fonterra trims milk payout forecast, mortgage switching rises, bank NIMs ease, swaps soft, NZD stable, & more
Eyes on US holiday shopping impulse; US factory data soft; ditto Canada; Singapore inflation firmer; Beijing considers big changes; UST 10yr at 4.04%; gold up and oil stays down; NZ$1 = 56.1 USc; TWI-5 = 60.8
25th Nov 25, 7:23am
10
Eyes on US holiday shopping impulse; US factory data soft; ditto Canada; Singapore inflation firmer; Beijing considers big changes; UST 10yr at 4.04%; gold up and oil stays down; NZ$1 = 56.1 USc; TWI-5 = 60.8