Category Archive

LVRs: First Home Buyer Killers

Gareth MorganOctober 31, 2013Economics

We can expect the LVR (loan to value ratio limits) intervention to impact the housing market. We can also expect first home buyers to be in the firing line of this policy. How ironic, given that the whole issue with … Read More

Potholes Remain in Roads of National Significance Plan

Gareth MorganOctober 29, 2013Economics

The article by Jenny Chetwynd in the Dominion Post last week was great cheerleading for tarmac lovers, but did it really clear up the potholes we raised in our article? Sadly the holes are still there, and some of them … Read More

Those with means should buy ‘multiple houses’

Gareth MorganJune 19, 2013Economics, Investing, Property

Auckland’s property-market circus a golden opportunity for speculators as home buyers feel the squeeze. We all know Auckland is the battlefront for the current housing explosion. What perhaps we don’t all appreciate is the forces at work. In yesterday’s article … Read More

Reserve Bank solution misses the point

Gareth MorganJune 18, 2013Economics, Property

Remedy for New Zealand’s housing bubble needs to focus on curbing investors’ enthusiasm for property. The Reserve Bank has announced it will lift the ratio of deposits to loans in order to take the heat out of the housing market. … Read More

Govt and miners have learned lesson

Gareth MorganJune 3, 2013Economics, Environment

The Denniston Plateau deal shows that National and the mining industry have learned their lesson from their last attempt to mine on conservation land. Sure, it was a tad cynical of the Government to make this latest decision the day … Read More

Response to housing problem limp-wristed #nzbudget

Gareth MorganMay 17, 2013Economics

Anybody unfortunate enough to pick up a copy of Wellington’s daily newspaper today was assaulted by a screeching headline ‘Pricking the housing bubble’. Accompanying this was an entire front page devoted to how Bill English’s 2013 Budget is some sort … Read More

Policy at the root of housing problem in NZ

Gareth MorganMay 14, 2013Economics

Over-investment in housing and the lending largesse that underpinned that orgy of excess led to the sub-prime crisis in the US in 2007 which in turn led to widespread recession in the developed world, a problem which remains for most … Read More

Don’t Blame Foreigners for Auckland House Prices Increasing

Gareth MorganMarch 25, 2013Economics, Property

Those ascribing the boom in Auckland house prices increasing to immigrants from Kolkata rather than Kaiapoi, have sunk into the gutter as they grasp for culprits to blame. Winston and his fellow xenophobes will be pleased but the serious question … Read More

The Clarion Call From Cyprus

Gareth MorganMarch 18, 2013Economics

It’s decades overdue but at last the government guarantee on deposits at banks has been shown not to be cast-iron. The decision taken in Cyprus to impose a one-off 7% tax on all bank deposits as the cost of securing … Read More

Dire Dairy Desperados

Gareth MorganMarch 13, 2013Economics, Environment

Resorting to stuffing their cows with palm kernel in response to the drought-induced shortage of pasture, is just the latest instance of a New Zealand dairy industry that continues to take more and more risk in order to keep the … Read More

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