Blogs

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Residential Lending

An insight into DTI

The Debt-To-Income (DTI) ratio has been both embraced and despised by finance industry workers and consumers alike. We discuss why.

By Ben Starr

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Residential Lending

How to get ‘bank fit’ under the new CCCFA changes

The government has recently brought in new CCCFA regulations which are causing quite a stir in the property and debt markets.

By Liam Wick

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Development Lending

My Development is Bankable, but who will fund it?

This blog will help you gain an understanding of what is required to get a development underway and what you can expect from lenders in the market.

By Sam Oughton

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Development Lending

Lender Liquidity Issues

We cover what impacts a lender's risk appetite, pricing, and turnaround times, and how the current market is affecting these.

By Ben Pauley

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Others

Part 3: Moral Hazard- What is to Come?

Today, we further the discussion around the effects that are being seen from our Covid response and posit what may be to come.

By Ben Pauley

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Others

Part 2: Moral Hazard & The NZ Banking System

In today's blog, we hone in a bit more on the home front and certain things we have seen in the last 20+ years which raise concern.

By Ben Pauley

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Others

Part 1: Moral Hazard Defined

In this blog series I am going to cover off Moral Hazard and some ponderings (unfounded) about how we may be seeing this manifest in the modern era.

By Ben Pauley

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Residential Lending

Part 3: Government Spending, Inflation and Interest Rates

Today, we discuss how banks fight inflation and why they might do that.

By Ben Pauley

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Residential Lending

Part 2: Government Spending, Inflation and Interest Rates

In our previous blog, we spoke about global money printing, New Zealand’s printing, and the effect it has on house prices.

By Ben Pauley

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Residential Lending

Part 1: Government Spending, Inflation and Interest Rates

It’s been a while since our last blog update. There has been a lot going on behind the scenes at the Lateral Partners HQ.

By Ben Pauley

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Property Investment

The Benefits of Pre-sales

Pre-sales are a form of risk management. This is why often it is a pre-requisite for finance and lenders

By Ben Pauley

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Development Lending

Banks outlook for the balance of 2020

I have surmised a couple of the points surrounding SME and Property Lending and what it might mean for you based on the RBNZ Credit Conditions Survey.

By Ben Pauley

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