A Discussion on the Commerce Commission's Draft Report for the Personal Banking Services

THIS WEEK IN REVIEW TOPICS:Topic #1: NZ Herald 18th of April -Record number of home owners fix on one year terms as they bet on interest rates fallingTopic #2: RNZ 15th of April 'Recession, high interest rates take toll on construction industryTopic #3: Oneroof 17th of April- Mums and dads are now bailing on NZ - ‘they think the grass is greener’Topic #4: RNZ 17th of April -Inflation drops to 4 percent, lowest rate in nearly three yearsTopic #5: Auckland Property Investors Association (APIA) 15th of April-How to Stop the New Pet Rules from Going Barking MadJoin OUR NEW EVENT: https://www.propertyapprentice.co.nz/auckland-events/Book a Meeting with Paul Roberts: https://www.propertyapprentice.co.nz/free-strategy-call/Support the show*Nothing from this episode should be taken as individual financial advice. *Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Visit our website to register for our free events or book a free, no obligation meeting to learn how we can help.THIS WEEK IN REVIEW TOPICS:Topic #1: 1News 9th of April -Average home value sees 'modest' increase for first quarterTopic #2: 1News 11th of April -'No cause' terminations remind renters 'they are at the whim' of landlordsTopic #3: NZHerald 10th of April- Official Cash Rate (OCR) decision: No change, ‘very high threshold’ needed to justify hikeTopic #4: Newshub 10th of April -Homeowners using savings to respond to major insurance premium hikesTopic #5: Corelogic 9th of April-Normalisation of NZ construction costs to provide certainty for builders and consumersJoin OUR NEW EVENT: https://www.propertyapprentice.co.nz/auckland-events/Book a Meeting with Paul Roberts: https://www.propertyapprentice.co.nz/free-strategy-call/Support the showSupport the show*Nothing from this episode should be taken as individual financial advice. *Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

“The Week in Review”  is where we talk about current events for the everyday investor and homebuyer.Watch the Youtube videoVisit our website to register for our free events or book a free, no obligation meeting to learn how we can help.THIS WEEK IN REVIEW TOPICS:Topic #1: Interest.co.nz 2nd of April -The housing market is heading into winter with a shed load of unsold properties looking for buyersTopic #2: Good Returns 2nd of April -Clawbacks could sneak onto ComCom agendaTopic #3: Interest.co.nz 3rd of April- Zoning, housing regulations, and Kāinga Ora are all in the spotlight in the Coalition Government's three month planTopic #4: RNZ 4th of April -More houses for sale, high interest rates keep price gains lowTopic #5: NZ Herald 3rd of April-KiwiSaver contributions: Big gap between men and womenJoin OUR NEW EVENT: https://www.propertyapprentice.co.nz/auckland-events/Book a Meeting with Paul Roberts: https://www.propertyapprentice.co.nz/free-strategy-call/Support the show*Nothing from this episode should be taken as individual financial advice. *Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

#TransparencyInFinance #propertyapprenticenz #bankingsector #FinancialInsightsJoin Debbie Roberts, Owner and Financial Advisor at Property Apprentice, as she delves into the Commerce Commission's draft report on New Zealand's personal banking sector. In this, episode, she explores the findings, recommendations for improvement, and dispels misconceptions about mortgage advisors. Gain insights into empowering consumers and embracing transparency in financial decision-making.REGISTER TO THE HOW TO SUCCE WITH PROPERTY INVESTING EVENT: https://www.propertyapprentice.co.nz/auckland-events/Book a Meeting with Paul Roberts: https://www.propertyapprentice.co.nz/free-strategy-call/Support the show*Nothing from this episode should be taken as individual financial advice. *Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

“The Week in Review”  is where we talk about current events for the everyday investor and homebuyer.Watch the Youtube videoVisit our website to register for our free events or book a free, no obligation meeting to learn how we can help.THIS WEEK IN REVIEW TOPICS:Topic #1: Good Returns 25th of March -ComCom accused of being out of touch with the reality of mortgage adviceTopic #2: Oneroof 26th of March -Warning to first-home buyers as ANZ gives property investors a leg-upTopic #3: Stuff 25th of March- Will tax reform be Labour’s trump card in next general election?Topic #4: Oneroof 25th of March-Rentals costing landlords up to $450 a week in top-upsTopic #5: Oneroof 27th of March -Tony Alexander: Extra difficulties for renters lie just around the cornerJoin OUR NEW EVENT: https://www.propertyapprentice.co.nz/auckland-events/Book a Meeting with Paul Roberts: https://www.propertyapprentice.co.nz/free-strategy-call/Support the show*Nothing from this episode should be taken as individual financial advice. *Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

“The Week in Review”  is where we talk about current events for the everyday investor and homebuyer.Watch the Youtube videoVisit our website to register for our free events or book a free, no obligation meeting to learn how we can help.THIS WEEK IN REVIEW TOPICS:Topic #1: NZ Herald 19th of March -Kāinga Ora crackdown: Greens decry ‘politics of punishment’, neighbours celebrate as Government moves on unruly tenantsTopic #2: Oneroof 19th of March -When house sales turn toxic: Why real estate agents fire their vendorsTopic #3: The Mortgage Mag 18th of March- Activating DTIs and loosening LVRsTopic #4: Good Returns 20th of March- DTIs need deeper analysisTopic #5: Oneroof 18th of March -Seven straight months of rent hikes: Prices rising at double the speedJoin OUR NEW EVENT: https://www.propertyapprentice.co.nz/auckland-events/Book a Meeting with Paul Roberts: https://www.propertyapprentice.co.nz/free-strategy-call/Support the show*Nothing from this episode should be taken as individual financial advice. *Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

“The Week in Review”  is where we talk about current events for the everyday investor and homebuyer.Watch the Youtube videoVisit our website to register for our free events or book a free, no obligation meeting to learn how we can help.THIS WEEK IN REVIEW TOPICS:Topic #1: Oneroof 11th of March - Interest rate relief: Has the Government opened the floodgates to property investors?Topic #2: Stuff 12th of March -How much does state housing really affect property values?Topic #3: NZ Herald 14th of March- Labour claimed 346 landlords owned 200+ properties, but official data can prove only oneTopic #4: Stuff 12th of March- Here’s where house prices dropped at year’s startTopic #5: Oneroof 14th of March -On the hook for $150,000: Holiday home sellers warned over hefty GST billsJoin OUR NEW EVENT: https://www.propertyapprentice.co.nz/auckland-events/Book a Meeting with Paul Roberts: https://www.propertyapprentice.co.nz/free-strategy-call/Support the show*Nothing from this episode should be taken as individual financial advice. *Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

“The Week in Review”  is where we talk about current events for the everyday investor and homebuyer.Watch the Youtube videoVisit our website to register for our free events or book a free, no obligation meeting to learn how we can help.THIS WEEK IN REVIEW TOPICS:Topic #1: NZ Herald 5th of March - Auckland houses for sale flood market, hit 11-year peakTopic #2: Good Returns 7th of March -ANZ's Zollner: be careful what you wish for on house pricesTopic #3: NZ Herald 7th of March- ‘Done and dusted’: More Kiwis believe housing market downturn is over despite sluggish market - ASB surveyTopic #4: Good Returns 5th of March- Mortgage arrears rising but still lowTopic #5: Newshub 6th of March -Major bank BNZ cuts some home loan rates to keep up with competitors Join OUR NEW EVENT: https://www.propertyapprentice.co.nz/auckland-events/Book a Meeting with Paul Roberts: https://www.propertyapprentice.co.nz/free-strategy-call/Support the show*Nothing from this episode should be taken as individual financial advice. *Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Property Apprentice financial adviser and owner Debbie Roberts delves into the recent Reserve Bank announcement and its impact on interest rates across New Zealand. In this insightful discussion, Debbie explains the intricacies of the Official Cash Rate (OCR) and its role in shaping mortgage rates, alongside key economic indicators like inflation and employment figures.Discover why the Reserve Bank has chosen to maintain the status quo and explore the implications for future OCR adjustments. Gain valuable insights into debt-to-income ratios (DTIs) and their significance in maintaining stability in the housing market.With expert predictions and practical advice on navigating the evolving interest rate landscape, this episode is essential viewing for homeowners and investors alike. Tune in now to stay informed and make confident financial decisions in today's property market!🏡 Don't miss out on our upcoming event! Join us at https://www.propertyapprentice.co.nz/auckland-events/ to stay updated.💼 Get to know how we can help! Schedule a free strategy call with Paul Roberts at https://www.propertyapprentice.co.nz/free-strategy-call/.Stay ahead in the real estate game with us! #investingforbeginners #RealEstateTips #rbnz  #ocr #cashflow #nzpropertySupport the show*Nothing from this episode should be taken as individual financial advice. *Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

“The Week in Review”  is where we talk about current events for the everyday investor and homebuyer.Watch the Youtube videoVisit our website to register for our free events or book a free, no obligation meeting to learn how we can help.THIS WEEK IN REVIEW TOPICS:Topic #1: Newshub 28th of February - Sir John Key reveals his prediction for the housing marketTopic #2: Good Returns 28th of February-BREAKING: OCR 5.50% - Monetary Policy remains restrictiveTopic #3: Oneroof 25th of February-  ‘It’s not cheap money’: Why bridging loans are too much of a gamble for sellers right nowTopic #4: Stuff 24th of February- Do renters get a better deal overseas?Topic #5: NZHerald 28th of February -Nearly half of Kiwis worry about money, young feeling ‘overwhelmed’Join OUR NEW EVENT: https://www.propertyapprentice.co.nz/auckland-events/Book a Meeting with Paul Roberts: https://www.propertyapprentice.co.nz/free-strategy-call/Support the show*Nothing from this episode should be taken as individual financial advice. *Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.