As conversations around smoking and vaping continue to evolve, it is important to understand the science, the health implications, and the public health considerations that surround both. While vaping is often marketed and perceived as a safer alternative to smoking, the reality is more complex.
Despite growing speculation, the Reserve Bank kept the Official Cash Rate (OCR) unchanged in July, and the property market continues to move cautiously. While overall sentiment remains subdued, mortgage activity is gradually picking up.
Due to increased demand, Westpac and BNZ are currently onl...
With the Official Cash Rate (OCR) continuing its gradual decline, New Zealand’s housing market is showing signs of a mild recovery. Yet price gains remain muted and overall activity is still range-bound. Below is our summary of June’s housing market and mortgage rate.
June Market summary
1...
We all love a good takeaway – whether it’s a Friday night pizza, spicy curry, or a juicy burger. But with food costs on the rise and health top of mind, more Kiwis are skipping the drive-thru and recreating their favourites at home. Enter the “fakeaway” – all the flavour, less of the salt, sugar, an...
You don’t need a new year or a special date to start making positive changes — any day is a good day to begin!
Small tweaks to your daily routine can add up to big improvements in your long-term health.
Remember: it’s not about one meal or one workout, it’s about building habits that stick.
On May 28, the Reserve Bank of New Zealand lowered the Official Cash Rate (OCR) by 25 basis points, from 3.5% to 3.25%. In response, the four major banks also reduced their lending rates.
As interest rates fall, the property market is gradually recovering. Buyer confidence has improved, and we’ve see...
We hope you had an enjoyable and restful break over the Easter and ANZAC Day holidays.
In April, the Reserve Bank of New Zealand lowered the Official Cash Rate (OCR) by 25 basis points as expected. All four major banks followed with rate cuts about a week later. Further rate reductions—possibly...
Summary
March was an active month across the board. We saw a notable rise in mortgage applications, particularly from investors preparing to re-enter the property market. At the same time, lending turnaround times at the major banks have slowed, reflecting a clear increase in buyer demand.
This uptick...
In recent weeks, global financial markets have been experiencing fluctuations due to a mix of economic and geopolitical factors. Many investors, including KiwiSaver account holders and managed fund participants, may feel concerned about the impact of th...
In February, the Reserve Bank of New Zealand lowered the OCR to 3.75%, mainly because inflation remains within the central bank’s target, currently at 2.2%.
The central bank aims to use this reduction in OCR to gradually support economic recovery. Although the unemployment rate is still high, i...
The Heart Foundation has released updated advice based on the latest research, and the findings may surprise you. While moderate drinking was once considered safe, new evidence shows that any amount of alcohol increases the risk of heart disease.
From the data of the company in January, the number of customers buying investment properties and those taking out loans to purchase businesses are gradually increasing. This is because interest rates are slowly decreasing, and many investors are hoping to buy suitable investment proper...
As Christmas approaches, the team at NZ Pathfinder Mortgage would like to wish you all a Merry Christmas and Happy New Year in advance. We will be closed from 24/12/2024 and will resume work on January 6.
On November 27, the Reserve Bank reduced the OCR (Official Cash Rate) by 50 b...
Due to the United States lowering its benchmark interest rate by 50 basis points in September, the NZ Reserve Bank also reduced the OCR by 50 basis points as expected on 09 October. The four major banks sequentially lowered their loan interest rates in October. More importantly, all fou...
As we welcome the Year of the Snake in 2025, the team at New Zealand Pathfinder Limited would like to express our heartfelt gratitude to our valued clients. Your trust in us as your financial advisors has been the cornerstone of our success, and it is a privilege to help you protect what matters mos...
As the year comes to an end, we at New ZealandPathfinder Limited want to extend our heartfelt gratitude to you, our valued clients, for trusting us to safeguard what matters most to you.
2024 has been a year of growth, reflection, and resilience. Whether it was helping you protect your loved ones, s...
Improving your health doesn’t have to mean a complete overhaul of your eating habits. Instead, begin with a simple change—breakfast.
Making drastic changes to your diet can feel overwhelming, but rethinking what healthy looks like and starting with small, manageable steps can make all the difference....
Financial planning often focuses on the exciting stuff: building wealth, managing retirement funds, and investing. But there's an important part of the conversation that’s often missed—what happens if life throws you an unexpected curveball? Making sure you’re covered for the ‘what ifs’ is just as c...
September passed quickly. And the biggest news in this month was the U.S. central bank cut the interest rate by more than expected. US Federal Reserve cut 0.5% to a range of 4.75%-5% amid decelerating inflation and slightly softer labour market date.
Prior to the US central bank’s r...
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