There are a number of factors that have recently converged to change the borrowing landscape, ultimately making it harder for people to obtain a mortgage. These changes make using a good mortgage broker more relevant than ever. Here are some quick facts about the current mortgage landscape: Interest rates are on the rise Reserve bank LVR restrictions are making it harder for first home buyers and property investors Servicing margins increased to ensure future affordability Non-resident borrowers shut out of the New Zealand market Interest rates At last, it has happened; interest rates are unquestionably on the rise. Short term rates have risen to nearly 5%, compared to around the 4.40% rates
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