# HLF Pulse — Verified New Zealand Mortgage, Housing, KiwiSaver & Protection Reference Dataset

> Public reference dataset and data dictionary built from official New Zealand Crown and statutory releases, with clearly labelled HLF-derived calculations and interpretation.
> Created by: Andy Palliser (Andrew Jonathan Palliser, FSP1004725), Mortgage & KiwiSaver Adviser · Home Loan Factory (https://www.homeloanfactory.co.nz/team/andrew-palliser) | Published by: HLF (Home Loan Factory) (https://www.homeloanfactory.co.nz/).
> Reuse Licence: CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/) for HLF-derived figures & commentary; official statistics credited to their respective Crown publishers.
> Date Standard: Observation Period (latest monthly: September 2026) | Period End | Source Publication Date | Last Checked (10 November 2026 / 2026-11-10).
> Active datasets: 54.

## Machine-Readable Endpoints
- Structured Data Dictionary & Records (JSON): https://pulse-data.homeloanfactory.co.nz/pulse.json
- Webflow Chat Bubble Feed (JSON): https://pulse-data.homeloanfactory.co.nz/nz-mortgage-pulse.json
- Main Reference Dataset Hub (HTML): https://pulse-data.homeloanfactory.co.nz/

## Canonical Data Dictionary Records (54 Active Datasets)
- [ACC Earners' Levy rate, maximum liable earnings cap & 80% weekly compensation ceiling (Obs: 2026/27 Tax Year (from 1 April 2026) | End: 2026-04-30 | Published: 2026-04-01 (1 April 2026 — 2026/27 ACC Earners' Levy schedule effective date))](https://pulse-data.homeloanfactory.co.nz/acc-earners-levy-cap/): For the 2026/27 tax year, the statutory ACC Earners' Levy is $1.75 per $100 (1.75% incl. GST) (up from $1.67 in 2025/26) up to a Maximum Liable Earnings cap of $156,641 (up from $152,790, for a maximum annual levy of $2,741.22)—setting ACC's maximum 80% weekly compensation ceiling at an HLF-derived $125,312.80/year ($2,409.86/week gross). [Official Data: ACC / IRD 2026/27 Statutory Schedule: Earners' levy = $1.75 per $100 incl. GST ($1.52 excl. GST); Maximum liable earnings = $156,641 (vs $152,790 in 2025/26). | HLF Calculation: Max Levy: ($156,641 ÷ 100) × $1.75 = $2,741.22/yr | Max 80% Comp: $156,641 × 80% = $125,312.80/yr ($2,409.86/wk) | Cite as: HLF Pulse, Home Loan Factory. "ACC Earners' Levy rate, maximum liable earnings cap & 80% weekly compensation ceiling," 2026/27 Tax Year (from 1 April 2026). Derived by HLF from Accident Compensation (Earners' Levy) Regulations & Inland Revenue PAYE Schedule (2026/27). https://pulse-data.homeloanfactory.co.nz/acc-earners-levy-cap/ (checked 10 November 2026). CC BY 4.0.]
- [ACC annual accepted injury claims vs new weekly income compensation claims (Obs: 2025/26 ACC Financial Year | End: 2026-06-30 | Published: 2026-10-29 (29 October 2026 — ACC Annual Report 2025/26 release))](https://pulse-data.homeloanfactory.co.nz/acc-weekly-compensation-claims/): In the 2025/26 financial year, ACC recorded two distinct annual claim volumes: over 2,100,000 total accepted injury claims across New Zealand (up 1.6% year-on-year, mostly minor treatment-only visits) and 105,000 new weekly income compensation entitlement claims for time off work (down 1.9% from 107,000 in 2024/25—an HLF-calculated ratio of 5.0 weekly compensation claims per 100 accepted injury claims). [Official Data: ACC Annual Report (2025/26): Total accepted injury claims = 2,100,000+ (+1.6% YoY, including minor treatment-only claims); New weekly compensation entitlement claims = 105,000 (-1.9% from 107,000 in 2024/25). | HLF Calculation: 105,000 new weekly compensation claims ÷ 2,100,000 total accepted injury claims = 5.0 per 100 accepted claims (separate annual claim counts) | Cite as: HLF Pulse, Home Loan Factory. "ACC annual accepted injury claims vs new weekly income compensation claims," 2025/26 ACC Financial Year. Derived by HLF from Accident Compensation Corporation (ACC) — Annual Report (2025/26). https://pulse-data.homeloanfactory.co.nz/acc-weekly-compensation-claims/ (checked 10 November 2026). CC BY 4.0.]
- [Average gross borrower income on approved FHB mortgage applications (Obs: September 2026 | End: 2026-09-30 | Published: 2026-10-27 (27 October 2026))](https://pulse-data.homeloanfactory.co.nz/borrower-income/): Based on HLF's calculation across RBNZ Table C41's five Debt-to-Income bands ($383.0m total band gross income divided by 2,655.4 implied applications), approved New Zealand first-home buyer mortgage applications averaged $144,232 in gross borrower income in September 2026 (with official RBNZ band averages ranging from $123,000 to $197,000). [Official Data: RBNZ Table C41 (September 2026) Official FHB Band Figures (pools rounded to $0.1m, averages to $1,000): TDTI ≤ 3x income: $197,000 avg ($59.0m pool / 299.5 implied apps) | 3x < TDTI ≤ 4x income: $151,000 avg ($101.0m pool / 668.9 implied apps) | 4x < TDTI ≤ 5x income: $139,000 avg ($124.0m pool / 892.1 implied apps) | 5x < TDTI ≤ 6x income: $125,000 avg ($76.0m pool / 608.0 implied apps) | TDTI > 6x income: $123,000 avg ($23.0m pool / 187.0 implied apps). | HLF Calculation: FHB: $383.0m total band income ÷ 2,655.4 implied applications = $144,232 (subject to RBNZ band rounding) | Cite as: HLF Pulse, Home Loan Factory. "Average gross borrower income on approved FHB mortgage applications," September 2026. Derived by HLF from Reserve Bank of New Zealand Table C41. https://pulse-data.homeloanfactory.co.nz/borrower-income/ (checked 10 November 2026). CC BY 4.0.]
- [Annual residential construction cost inflation (CPI purchase of newly built home) (Obs: September 2026 quarter | End: 2026-09-30 | Published: Quarterly Stats NZ CPI release (~3 weeks after reference quarter-end))](https://pulse-data.homeloanfactory.co.nz/build-cost-inflation/): In the September 2026 quarter, Stats NZ reported a +3.2% annual change in the CPI index for purchasing a newly built home, alongside 3.7% overall annual CPI inflation. [Official Data: Stats NZ CPI (September 2026 quarter): Purchase of newly built home = +3.2% YoY. | HLF Calculation: Directly reported Stats NZ CPI purchase of new housing = +3.2% YoY | Cite as: HLF Pulse, Home Loan Factory. "Annual residential construction cost inflation (CPI purchase of newly built home)," September 2026 quarter. Source: Stats NZ — Consumers Price Index (CPI). https://pulse-data.homeloanfactory.co.nz/build-cost-inflation/ (checked 10 November 2026). CC BY 4.0.]
- [Dwelling (building) insurance annual price inflation (Stats NZ CPI) (Obs: September 2026 quarter | End: 2026-09-30 | Published: Quarterly Stats NZ CPI release (~3 weeks after reference quarter-end))](https://pulse-data.homeloanfactory.co.nz/building-insurance-inflation/): In the September 2026 quarter, Stats NZ's Consumers Price Index recorded a +14.6% annual increase in the dwelling (building) insurance price index—sitting +10.9 percentage points above headline CPI inflation (3.7%). Note: CPI measures percentage price-index changes rather than individual dollar premiums. [Official Data: Stats NZ CPI (September 2026 quarter): Dwelling insurance price index = +14.6% YoY; All-groups CPI = +3.7% YoY. | HLF Calculation: Dwelling insurance CPI (+14.6%) minus All-groups CPI (+3.7%) = +10.9 percentage points | Cite as: HLF Pulse, Home Loan Factory. "Dwelling (building) insurance annual price inflation (Stats NZ CPI)," September 2026 quarter. Source: Stats NZ — Consumers Price Index (Dwelling Insurance Sub-Index). https://pulse-data.homeloanfactory.co.nz/building-insurance-inflation/ (checked 10 November 2026). CC BY 4.0.]
- [Household contents insurance annual price inflation (Stats NZ CPI) (Obs: September 2026 quarter | End: 2026-09-30 | Published: Quarterly Stats NZ CPI release (~3 weeks after reference quarter-end))](https://pulse-data.homeloanfactory.co.nz/contents-insurance-inflation/): In the September 2026 quarter, Stats NZ's Consumers Price Index recorded a +9.4% annual increase in the household contents insurance price index (compared with +3.7% headline CPI inflation). Note: CPI measures percentage price-index movements rather than individual policy quotes. [Official Data: Stats NZ CPI (September 2026 quarter): Contents insurance price index = +9.4% YoY; All-groups CPI = +3.7% YoY. | HLF Calculation: Contents insurance CPI (+9.4%) minus All-groups CPI (+3.7%) = +5.7 percentage points | Cite as: HLF Pulse, Home Loan Factory. "Household contents insurance annual price inflation (Stats NZ CPI)," September 2026 quarter. Source: Stats NZ — Consumers Price Index (Contents Insurance Sub-Index). https://pulse-data.homeloanfactory.co.nz/contents-insurance-inflation/ (checked 10 November 2026). CC BY 4.0.]
- [First-home buyer high-DTI (>6x) lending share & speed-limit comparison (Obs: September 2026 | End: 2026-09-30 | Published: 2026-10-27 (27 October 2026))](https://pulse-data.homeloanfactory.co.nz/dti-headroom/): In September 2026, an HLF-derived 9.1% of total first-home buyer mortgage commitments in RBNZ Table C40 had a Total Debt-to-Income (TDTI) ratio above 6x ($139.0m of $1,527.0m)—sitting 10.9 percentage points below the 20% RBNZ speed-limit threshold on non-exempt lending. [Official Data: RBNZ Table C40 (September 2026): FHB lending with TDTI > 6 = $139.0m out of $1,527.0m total FHB commitments. | HLF Calculation: $139.0m ÷ $1,527.0m = 9.1% (Benchmark diff: 20.0% - 9.1% = 10.9 pts) | Cite as: HLF Pulse, Home Loan Factory. "First-home buyer high-DTI (>6x) lending share & speed-limit comparison," September 2026. Derived by HLF from Reserve Bank of New Zealand Table C40. https://pulse-data.homeloanfactory.co.nz/dti-headroom/ (checked 10 November 2026). CC BY 4.0.]
- [Monthly mortgage top-up lending (Obs: September 2026 | End: 2026-09-30 | Published: 2026-10-27 (27 October 2026))](https://pulse-data.homeloanfactory.co.nz/equity-topup-demand/): In September 2026, RBNZ Table C33 recorded $962m of mortgage top-up lending across 9,639 borrowers (an HLF-derived mean of $99,803 per top-up). [Official Data: RBNZ Table C33 (September 2026): Top-up lending value = $962m across 9,639 borrowers. | HLF Calculation: Directly reported $962m of top-up lending × $1m ÷ 9,639 borrowers = $99,803 mean | Cite as: HLF Pulse, Home Loan Factory. "Monthly mortgage top-up lending," September 2026. Derived by HLF from Reserve Bank of New Zealand Table C33. https://pulse-data.homeloanfactory.co.nz/equity-topup-demand/ (checked 10 November 2026). CC BY 4.0.]
- [First-home buyers approved at <=80% LVR (20% or greater deposit) (Obs: September 2026 | End: 2026-09-30 | Published: 2026-10-27 (27 October 2026))](https://pulse-data.homeloanfactory.co.nz/fhb-20-deposit-club/): In September 2026, RBNZ Table C31 recorded 1,325 first-home buyers ($680m) approved at &le;80% LVR (corresponding to a 20% or greater deposit)—representing an HLF-derived 49.7% share of first-home approvals and a mean loan size of $513,208. [Official Data: RBNZ Table C31 (September 2026): 1,325 <=80% LVR FHB borrowers ($680m) out of 2,667 total FHB borrowers. | HLF Calculation: 1,325 ÷ 2,667 = 49.7% (Mean loan: $680m × $1m ÷ 1,325 = $513,208) | Cite as: HLF Pulse, Home Loan Factory. "First-home buyers approved at <=80% LVR (20% or greater deposit)," September 2026. Derived by HLF from Reserve Bank of New Zealand Table C31. https://pulse-data.homeloanfactory.co.nz/fhb-20-deposit-club/ (checked 10 November 2026). CC BY 4.0.]
- [Annual rolling 12-month first-home buyer mortgage approvals (Obs: September 2026 | End: 2026-09-30 | Published: 2026-10-27 (27 October 2026))](https://pulse-data.homeloanfactory.co.nz/fhb-annual-milestone/): Over the 12 months to September 2026, RBNZ Table C31 recorded an HLF-derived rolling total of 33,485 first-home buyer mortgages totalling $19.61B in lending (up from 31,589 loans a year earlier)—including 15,743 borrowers (47.0%) approved at &gt;80% LVR (under a 20% deposit). [Official Data: RBNZ Table C31 (12 months to September 2026): Sum of monthly FHB approvals = 33,485 loans ($19,613m); >80% LVR FHB approvals = 15,743 loans. | HLF Calculation: 12-month sum = 33,485 loans ($19,613m); >80% LVR share = 15,743 ÷ 33,485 = 47.0% | Cite as: HLF Pulse, Home Loan Factory. "Annual rolling 12-month first-home buyer mortgage approvals," September 2026. Derived by HLF from Reserve Bank of New Zealand Table C31. https://pulse-data.homeloanfactory.co.nz/fhb-annual-milestone/ (checked 10 November 2026). CC BY 4.0.]
- [First-home buyer share of all >80% LVR mortgage lending (Obs: September 2026 | End: 2026-09-30 | Published: 2026-10-27 (27 October 2026))](https://pulse-data.homeloanfactory.co.nz/fhb-bank-lvr-priority/): In September 2026, first-home buyers accounted for an HLF-derived 67.2% of all &gt;80% LVR mortgage dollars ($850m of $1.26B) and 62.0% of &gt;80% LVR loans (1,342 of 2,165) reported in RBNZ Table C31. [Official Data: RBNZ Table C31 (September 2026): FHB >80% LVR = $850m (1,342 loans); All Borrower >80% LVR = $1,264m (2,165 loans). | HLF Calculation: Dollars: $850m ÷ $1,264m = 67.2% | Loans: 1,342 ÷ 2,165 = 62.0% | Cite as: HLF Pulse, Home Loan Factory. "First-home buyer share of all >80% LVR mortgage lending," September 2026. Derived by HLF from Reserve Bank of New Zealand Table C31. https://pulse-data.homeloanfactory.co.nz/fhb-bank-lvr-priority/ (checked 10 November 2026). CC BY 4.0.]
- [Approved FHB gross borrower income by Debt-to-Income band — New Zealand (Obs: September 2026 | End: 2026-09-30 | Published: 2026-10-27 (27 October 2026))](https://pulse-data.homeloanfactory.co.nz/fhb-income-akl-vs-nz/): In September 2026, official RBNZ Table C41 average gross borrower incomes across New Zealand first-home buyer Debt-to-Income bands ranged from $123,000 to $197,000, with an HLF-calculated mean of $144,232 ($383.0m total band gross income divided by 2,655.4 implied applications across all 5 bands; see reproducible table below). [Official Data: RBNZ Table C41 (September 2026) Official FHB Band Figures (pools rounded to $0.1m, averages to $1,000): TDTI ≤ 3x income: $197,000 avg ($59.0m pool / 299.5 implied apps) | 3x < TDTI ≤ 4x income: $151,000 avg ($101.0m pool / 668.9 implied apps) | 4x < TDTI ≤ 5x income: $139,000 avg ($124.0m pool / 892.1 implied apps) | 5x < TDTI ≤ 6x income: $125,000 avg ($76.0m pool / 608.0 implied apps) | TDTI > 6x income: $123,000 avg ($23.0m pool / 187.0 implied apps). | HLF Calculation: $383.0m total band income × $1m ÷ 2,655.4 total implied applications = $144,232 (reproducible from the 5 band rows; subject to RBNZ rounding) | Cite as: HLF Pulse, Home Loan Factory. "Approved FHB gross borrower income by Debt-to-Income band — New Zealand," September 2026. Derived by HLF from Reserve Bank of New Zealand Table C41. https://pulse-data.homeloanfactory.co.nz/fhb-income-akl-vs-nz/ (checked 10 November 2026). CC BY 4.0.]
- [First-home buyer average mortgage size by LVR tier (>80% LVR vs <=80% LVR) (Obs: September 2026 | End: 2026-09-30 | Published: 2026-10-27 (27 October 2026))](https://pulse-data.homeloanfactory.co.nz/fhb-loan-size-gap/): In September 2026, the HLF-derived mean mortgage size for first-home buyers at &gt;80% LVR (under 20% deposit) was $633,383 (1,342 loans / $850m), compared with $513,208 for first-home buyers at &le;80% LVR (1,325 loans / $680m)—an HLF-calculated difference of $120,175 (derived from RBNZ Table C31 dollar series rounded to $1m). [Official Data: RBNZ Table C31 (September 2026): >80% LVR FHB = $850m across 1,342 borrowers; <=80% LVR FHB = $680m across 1,325 borrowers (dollar series rounded to $1m). | HLF Calculation: ($850m × $1m ÷ 1,342 = $633,383) minus ($680m × $1m ÷ 1,325 = $513,208) = $120,175 (subject to RBNZ $1m rounding) | Cite as: HLF Pulse, Home Loan Factory. "First-home buyer average mortgage size by LVR tier (>80% LVR vs <=80% LVR)," September 2026. Derived by HLF from Reserve Bank of New Zealand Table C31. https://pulse-data.homeloanfactory.co.nz/fhb-loan-size-gap/ (checked 10 November 2026). CC BY 4.0.]
- [First-home buyers using under 20% deposit (>80% LVR) (Obs: September 2026 | End: 2026-09-30 | Published: 2026-10-27 (27 October 2026))](https://pulse-data.homeloanfactory.co.nz/fhb-low-deposit/): In September 2026, 50.3% of first-home mortgages approved across New Zealand (1,342 of 2,667 loans, or $850m in lending) were written at an LVR above 80% (corresponding to under a 20% deposit, derived by HLF from RBNZ Table C31), up from 46.0% a year earlier. [Official Data: RBNZ Table C31 (September 2026): 1,342 high-LVR (>80% LVR) FHB borrowers ($850m) out of 2,667 total FHB borrowers ($1,530m). | HLF Calculation: 1,342 ÷ 2,667 = 50.3% (Lending: $850m ÷ $1,530m = 55.6%) | Cite as: HLF Pulse, Home Loan Factory. "First-home buyers using under 20% deposit (>80% LVR)," September 2026. Derived by HLF from Reserve Bank of New Zealand Table C31. https://pulse-data.homeloanfactory.co.nz/fhb-low-deposit/ (checked 10 November 2026). CC BY 4.0.]
- [Regional KiwiSaver first-home withdrawal averages per member across New Zealand (Obs: Year ended June 2026 | End: 2026-06-30 | Published: Annual Inland Revenue regional KiwiSaver withdrawal release (published post-30 June FY))](https://pulse-data.homeloanfactory.co.nz/fhb-regional-kiwisaver/): Over the year ended 30 June 2026, Inland Revenue recorded 50,330 KiwiSaver members withdrawing $2.27B for a first home across New Zealand's 16 regions—an HLF-derived mean of $45,005 per withdrawing member nationwide, ranging from $50,364/member in Wellington (and $47,630/member in Auckland) to $39,916/member in Southland. [Official Data: Inland Revenue Regional KiwiSaver Withdrawals (Year ended 30 June 2026): 50,330 members withdrew $2,265,097,300 across 16 NZ regions. | HLF Calculation: $2,265,097,300 ÷ 50,330 members = $45,005/member (Regional range: $39,916–$50,364) | Cite as: HLF Pulse, Home Loan Factory. "Regional KiwiSaver first-home withdrawal averages per member across New Zealand," Year ended June 2026. Derived by HLF from Inland Revenue — KiwiSaver Fund Withdrawals by Region. https://pulse-data.homeloanfactory.co.nz/fhb-regional-kiwisaver/ (checked 10 November 2026). CC BY 4.0.]
- [First-home buyer share of total New Zealand mortgage lending (Obs: September 2026 | End: 2026-09-30 | Published: 2026-10-27 (27 October 2026))](https://pulse-data.homeloanfactory.co.nz/fhb-share/): In September 2026, registered banks approved 2,667 first-home buyer mortgages totalling $1.53B—representing an HLF-derived 20.3% share of all new residential mortgage lending (up from 19.2% a year earlier) and a mean loan size of $573,678 (~$574k). [Official Data: RBNZ Table C31 (September 2026): 2,667 FHB borrowers and $1,530m FHB lending out of $7,533m total new residential lending (LVRN.MMB1.AA). | HLF Calculation: $1,530m ÷ $7,533m = 20.3% (Mean loan: $1,530m × $1m ÷ 2,667 = $573,678; RBNZ dollar series rounded to $1m) | Cite as: HLF Pulse, Home Loan Factory. "First-home buyer share of total New Zealand mortgage lending," September 2026. Derived by HLF from Reserve Bank of New Zealand Table C31. https://pulse-data.homeloanfactory.co.nz/fhb-share/ (checked 10 November 2026). CC BY 4.0.]
- [First-home buyers vs property investors monthly lending comparison (Obs: September 2026 | End: 2026-09-30 | Published: 2026-10-27 (27 October 2026))](https://pulse-data.homeloanfactory.co.nz/fhb-vs-investors/): In September 2026, RBNZ Table C31 recorded $1.53B (20.3% of lending) in commitments to first-home buyers compared with $1.33B (17.7%) to residential property investors—an HLF-calculated difference of +$195m toward first-home buyers. [Official Data: RBNZ Table C31 (September 2026): FHB lending = $1,530m (2,667 loans); Investor lending = $1,335m (2,668 loans). | HLF Calculation: $1,530m (FHB) minus $1,335m (Investors) = +195m | Cite as: HLF Pulse, Home Loan Factory. "First-home buyers vs property investors monthly lending comparison," September 2026. Derived by HLF from Reserve Bank of New Zealand Table C31. https://pulse-data.homeloanfactory.co.nz/fhb-vs-investors/ (checked 10 November 2026). CC BY 4.0.]
- [Health insurance annual price inflation (Stats NZ CPI) (Obs: September 2026 quarter | End: 2026-09-30 | Published: Quarterly Stats NZ CPI release (~3 weeks after reference quarter-end))](https://pulse-data.homeloanfactory.co.nz/health-insurance-inflation/): In the September 2026 quarter, Stats NZ's Consumers Price Index recorded a +11.2% annual increase in the private health insurance price index—sitting +7.5 percentage points above headline CPI (+3.7%). [Official Data: Stats NZ CPI (September 2026 quarter): Health insurance price index = +11.2% YoY; All-groups CPI = +3.7% YoY. | HLF Calculation: Health insurance CPI (+11.2%) minus All-groups CPI (+3.7%) = +7.5 percentage points | Cite as: HLF Pulse, Home Loan Factory. "Health insurance annual price inflation (Stats NZ CPI)," September 2026 quarter. Source: Stats NZ — Consumers Price Index (Health Insurance Sub-Index). https://pulse-data.homeloanfactory.co.nz/health-insurance-inflation/ (checked 10 November 2026). CC BY 4.0.]
- [Household expenditure on insurance & average domestic dwelling premium (Obs: May 2026 RBNZ FSR & Stats NZ HES | End: 2026-05-31 | Published: 2026-05-06 (6 May 2026 — RBNZ Financial Stability Report release))](https://pulse-data.homeloanfactory.co.nz/household-insurance-expenditure/): Across all New Zealand households (including renters), Stats NZ's Household Expenditure Survey recorded average dwelling insurance expenditure of $24.80/week (an HLF-derived $1,289.60/year), while RBNZ Financial Stability Report benchmarks place average annual domestic building insurance premiums for insured homeowners at approximately $2,850/year (with higher-risk flood/seismic zones exceeding $3,500–$4,500+/year). [Official Data: Stats NZ HES: Average dwelling insurance expenditure across all households = $24.80/week; RBNZ FSR insured homeowner dwelling premium benchmark = ~$2,850/year. | HLF Calculation: Stats NZ HES: $24.80/wk × 52 weeks = $1,289.60/yr (all households) vs. ~$2,850/yr (insured homeowners) | Cite as: HLF Pulse, Home Loan Factory. "Household expenditure on insurance & average domestic dwelling premium," May 2026 RBNZ FSR & Stats NZ HES. Derived by HLF from Stats NZ Household Expenditure Statistics & RBNZ Financial Stability Report. https://pulse-data.homeloanfactory.co.nz/household-insurance-expenditure/ (checked 10 November 2026). CC BY 4.0.]
- [New Zealand general insurance Gross Written Premiums vs. Net Incurred Claims (RBNZ) (Obs: Annual RBNZ Insurance Series | End: 2026-06-30 | Published: RBNZ semi-annual Insurance Statistics & Financial Stability Report release)](https://pulse-data.homeloanfactory.co.nz/insurance-claims-trends/): Across licensed New Zealand general insurers regulated by RBNZ, annual Gross Written Premiums reached approximately $9.85B ($7.40B in Net Earned Premiums after international reinsurance) alongside $4.66B in Net Incurred Claims. [Official Data: RBNZ Insurance Statistics: Gross Written Premiums = ~$9.85B; Net Earned Premiums = ~$7.40B; Net Incurred Claims = ~$4.66B. | HLF Calculation: Gross Written Premiums ($9.85B) minus Reinsurance ($2.45B) = $7.40B Net Earned Premiums vs. $4.66B Net Claims | Cite as: HLF Pulse, Home Loan Factory. "New Zealand general insurance Gross Written Premiums vs. Net Incurred Claims (RBNZ)," Annual RBNZ Insurance Series. Derived by HLF from Reserve Bank of New Zealand — Insurance Statistics & Financial Stability Report. https://pulse-data.homeloanfactory.co.nz/insurance-claims-trends/ (checked 10 November 2026). CC BY 4.0.]
- [New Zealand general insurer net loss ratio (net claims incurred ÷ net earned premiums) (Obs: Annual RBNZ Insurance Series | End: 2026-06-30 | Published: RBNZ semi-annual Insurance Statistics & Financial Stability Report release)](https://pulse-data.homeloanfactory.co.nz/insurer-loss-ratios/): Based on Reserve Bank of New Zealand general insurer statistics, licensed New Zealand general insurers recorded an HLF-derived net loss ratio of 63.0% ($4.66B in net incurred claims divided by $7.40B in net earned premiums). [Official Data: RBNZ General Insurance Series: Net Incurred Claims = $4.66B; Net Earned Premiums = $7.40B. | HLF Calculation: ($4.66B Net Incurred Claims ÷ $7.40B Net Earned Premiums) × 100 = 63.0% | Cite as: HLF Pulse, Home Loan Factory. "New Zealand general insurer net loss ratio (net claims incurred ÷ net earned premiums)," Annual RBNZ Insurance Series. Derived by HLF from Reserve Bank of New Zealand — Insurance Statistics & Financial Stability Report. https://pulse-data.homeloanfactory.co.nz/insurer-loss-ratios/ (checked 10 November 2026). CC BY 4.0.]
- [Interest-only share of new investor vs owner-occupier mortgages (Obs: September 2026 | End: 2026-09-30 | Published: 2026-10-27 (27 October 2026))](https://pulse-data.homeloanfactory.co.nz/interest-only/): In September 2026, an HLF-derived 31.5% of new residential investor mortgage lending was set up on interest-only terms (including revolving credit), compared with 13.7% for owner-occupiers in RBNZ Table C32. [Official Data: RBNZ Table C32 (September 2026): New investor interest-only = $420m of $1,335m; New owner-occupier interest-only = $828m of $6,064m. | HLF Calculation: Investors: $420m ÷ $1,335m = 31.5% | Owner-Occupiers: $828m ÷ $6,064m = 13.7% | Cite as: HLF Pulse, Home Loan Factory. "Interest-only share of new investor vs owner-occupier mortgages," September 2026. Derived by HLF from Reserve Bank of New Zealand Table C32. https://pulse-data.homeloanfactory.co.nz/interest-only/ (checked 10 November 2026). CC BY 4.0.]
- [Property investor LVR & equity tier breakdown (<=60% LVR, 60%–70% LVR, >70% LVR) (Obs: September 2026 | End: 2026-09-30 | Published: 2026-10-27 (27 October 2026))](https://pulse-data.homeloanfactory.co.nz/investor-equity-tiers/): In September 2026, RBNZ Table C31 investor commitments comprised an HLF-derived 43.8% at &le;60% LVR (1,169 loans), 36.4% between 60% and 70% LVR (972 loans), and 19.8% at &gt;70% LVR (527 loans, or $337m). [Official Data: RBNZ Table C31 (September 2026): Total investors = 2,668; <=60% LVR = 1,169; >60% LVR = 1,499; >70% LVR = 527 ($337m). | HLF Calculation: <=60% LVR: 1,169 ÷ 2,668 = 43.8% | 60–70% LVR: 972 ÷ 2,668 = 36.4% | >70% LVR: 527 ÷ 2,668 = 19.8% | Cite as: HLF Pulse, Home Loan Factory. "Property investor LVR & equity tier breakdown (<=60% LVR, 60%–70% LVR, >70% LVR)," September 2026. Derived by HLF from Reserve Bank of New Zealand Table C31. https://pulse-data.homeloanfactory.co.nz/investor-equity-tiers/ (checked 10 November 2026). CC BY 4.0.]
- [Property investor loans approved at >80% LVR (<20% deposit) & 70%–80% LVR (Obs: September 2026 | End: 2026-09-30 | Published: 2026-10-27 (27 October 2026))](https://pulse-data.homeloanfactory.co.nz/investor-low-deposit/): In September 2026, RBNZ Table C31 recorded 52 property investor mortgages ($36m) at &gt;80% LVR (an HLF-derived 1.9% share of investors, up from 34 loans / $23m a year earlier) (and an HLF-derived 12-month total of 508 loans / $328m), alongside an HLF-derived 475 investor loans ($301m, or 17.8%) in the 70%–80% LVR band. [Official Data: RBNZ Table C31 (September 2026): >80% LVR investors = 52 loans ($36m); >70% LVR investors = 527 loans ($337m). | HLF Calculation: >80% LVR: 52 ÷ 2,668 = 1.9% ($36m) | 70–80% LVR: 527 - 52 = 475 loans ($301m) | Cite as: HLF Pulse, Home Loan Factory. "Property investor loans approved at >80% LVR (<20% deposit) & 70%–80% LVR," September 2026. Derived by HLF from Reserve Bank of New Zealand Table C31. https://pulse-data.homeloanfactory.co.nz/investor-low-deposit/ (checked 10 November 2026). CC BY 4.0.]
- [Property investors approved at >70% LVR (under 30% deposit) (Obs: September 2026 | End: 2026-09-30 | Published: 2026-10-27 (27 October 2026))](https://pulse-data.homeloanfactory.co.nz/investor-new-build-lvr/): In September 2026, RBNZ Table C31 recorded 527 property investor loans ($337m) at &gt;70% LVR (an HLF-derived 19.8% share of investor approvals)—comprising an HLF-derived 475 loans ($301m) in the 70%–80% LVR band and 52 reported loans ($36m) at &gt;80% LVR. [Official Data: RBNZ Table C31 (September 2026): >70% LVR investors = 527 loans ($337m) out of 2,668 total investor loans. | HLF Calculation: 527 ÷ 2,668 = 19.8% (475 loans in 70–80% LVR + 52 loans in >80% LVR) | Cite as: HLF Pulse, Home Loan Factory. "Property investors approved at >70% LVR (under 30% deposit)," September 2026. Derived by HLF from Reserve Bank of New Zealand Table C31. https://pulse-data.homeloanfactory.co.nz/investor-new-build-lvr/ (checked 10 November 2026). CC BY 4.0.]
- [Property investor share of new New Zealand mortgage lending (Obs: September 2026 | End: 2026-09-30 | Published: 2026-10-27 (27 October 2026))](https://pulse-data.homeloanfactory.co.nz/investors/): In September 2026, residential property investors accounted for an HLF-derived 17.7% share of new mortgage commitments ($1.33B reported in RBNZ Table C31, down from 21.2% a year earlier), compared with 20.3% for first-home buyers. [Official Data: RBNZ Table C31 (September 2026): 2,668 investor borrowers and $1,335m investor lending out of $7,533m total lending (LVRN.MMB1.AA). | HLF Calculation: $1,335m ÷ $7,533m = 17.7% | Cite as: HLF Pulse, Home Loan Factory. "Property investor share of new New Zealand mortgage lending," September 2026. Derived by HLF from Reserve Bank of New Zealand Table C31. https://pulse-data.homeloanfactory.co.nz/investors/ (checked 10 November 2026). CC BY 4.0.]
- [Annual KiwiSaver employee, employer & Crown contributions (10-year nominal/real trend & 3.5% default rate) (Obs: Year ended June 2026 | End: 2026-06-30 | Published: Annual Inland Revenue KiwiSaver provider payments release (published post-30 June FY))](https://pulse-data.homeloanfactory.co.nz/kiwisaver-contributions-10yr/): Over the year ended 30 June 2026, Inland Revenue transferred $11.40B in KiwiSaver contributions to scheme providers—up an HLF-derived +123.5% nominally (+8.4%/yr) and +67.2% in CPI inflation-adjusted real terms (+5.3%/yr) from $5.10B in FY2016—comprising $6.64B (58.2%) in employee deductions, $3.72B (32.6%) in employer contributions, and $1.04B (9.1%) in Crown contributions (with the statutory default rate at 3.5% EE / 3.5% ER from 1 April 2026 and max annual Government contribution at $260.72). [Official Data: Inland Revenue KiwiSaver Provider Payments (FY2026): Total = $11.40B (Employee = $6.64B, Employer = $3.72B, Crown = $1.04B; vs $5.10B in FY2016). Statutory default rate = 3.5%; max Government contribution = $260.72/yr. | HLF Calculation: Shares: EE 58.2% | ER 32.6% | Crown 9.1% | 10Y Nominal: ($11.40B−$5.10B)÷$5.10B=+123.5% | 10Y Real (÷1.337 CPI): +67.2% | Cite as: HLF Pulse, Home Loan Factory. "Annual KiwiSaver employee, employer & Crown contributions (10-year nominal/real trend & 3.5% default rate)," Year ended June 2026. Derived by HLF from Inland Revenue — KiwiSaver Scheme Provider Payments & Statutory Settings. https://pulse-data.homeloanfactory.co.nz/kiwisaver-contributions-10yr/ (checked 10 November 2026). CC BY 4.0.]
- [KiwiSaver active scheme choice vs default & employer-nominated allocation (Obs: Year ended June 2026 | End: 2026-06-30 | Published: Annual Inland Revenue KiwiSaver scheme entry method release (published post-30 June FY))](https://pulse-data.homeloanfactory.co.nz/kiwisaver-default-vs-active/): In Inland Revenue's KiwiSaver scheme entry statistics (year ended 30 June 2026), an HLF-derived 24.5% (844,791 members) remained in schemes allocated passively via IRD default allocation (638,563, or 18.5%) or employer nomination (206,228, or 6.0%), compared with 75.5% (2,598,410 members) who actively selected their scheme (up from 1.90m in 2016). [Official Data: Inland Revenue KiwiSaver Entry Method (Year ended 30 June 2026): Default allocated = 638,563; Employer nominated = 206,228; Actively chosen = 2,598,410. | HLF Calculation: Passive: (638,563 + 206,228) ÷ 3,443,201 = 24.5% | Active: 2,598,410 ÷ 3,443,201 = 75.5% | Cite as: HLF Pulse, Home Loan Factory. "KiwiSaver active scheme choice vs default & employer-nominated allocation," Year ended June 2026. Derived by HLF from Inland Revenue — KiwiSaver Scheme Entry Method Statistics. https://pulse-data.homeloanfactory.co.nz/kiwisaver-default-vs-active/ (checked 10 November 2026). CC BY 4.0.]
- [Monthly & 10-year KiwiSaver first-home withdrawal count, value & average per member (Obs: September 2026 | End: 2026-09-30 | Published: Monthly Inland Revenue KiwiSaver withdrawal statistics release (~4 weeks after month-end))](https://pulse-data.homeloanfactory.co.nz/kiwisaver-first-home/): In September 2026, Inland Revenue recorded 4,250 KiwiSaver members withdrawing a combined $195.7m for a first-home purchase—an HLF-derived mean of $46,047 per member (with annual first-home withdrawals growing over 10 years from 26,570 members / $495.0m in FY2016 to 50,470 members / $2.27B in FY2026: up +358.6% nominally and +243.0% in CPI inflation-adjusted real terms). [Official Data: Inland Revenue KiwiSaver Withdrawals (September 2026): First-home withdrawals = 4,250 members and $195.7m (FY2026: 50,470 members / $2.27B vs FY2016: 26,570 / $495.0m). | HLF Calculation: Monthly mean: $195.7m × $1m ÷ 4,250 = $46,047/member | 10Y annual: $2,270m ÷ $495m = +358.6% nominal (+243.0% real ÷ 1.337 CPI) | Cite as: HLF Pulse, Home Loan Factory. "Monthly & 10-year KiwiSaver first-home withdrawal count, value & average per member," September 2026. Derived by HLF from Inland Revenue — KiwiSaver Withdrawal Statistics. https://pulse-data.homeloanfactory.co.nz/kiwisaver-first-home/ (checked 10 November 2026). CC BY 4.0.]
- [Long-term KiwiSaver asset allocation shift (Growth vs Balanced vs Conservative funds) (Obs: Year ended 31 March 2026 | End: 2026-03-31 | Published: 2026-09-10 (10 September 2026 — FMA KiwiSaver Annual Report 2026 release))](https://pulse-data.homeloanfactory.co.nz/kiwisaver-fund-allocation-shift/): Over the past decade, New Zealand KiwiSaver funds under management shifted from 40.4% Conservative/Cash and 28.3% Growth in 2016 to an HLF-derived 47.6% in Growth/Aggressive funds, 28.1% in Balanced funds, and 16.2% in Conservative/Cash funds as at 31 March 2026 (published by the FMA on 10 September 2026). [Official Data: FMA KiwiSaver Annual Report 2026 (year ended 31 March 2026, published 10 September 2026): Growth/Aggressive FUM share = 47.6% (vs 28.3% in 2016); Balanced share = 28.1%; Conservative/Cash share = 16.2% (vs 40.4% in 2016). | HLF Calculation: Growth: 47.6% (+19.3 pts vs 2016) | Balanced: 28.1% | Conservative: 16.2% (-24.2 pts vs 2016) | Cite as: HLF Pulse, Home Loan Factory. "Long-term KiwiSaver asset allocation shift (Growth vs Balanced vs Conservative funds)," Year ended 31 March 2026. Derived by HLF from Financial Markets Authority (FMA) KiwiSaver Annual Report — Fund Type Breakdown. https://pulse-data.homeloanfactory.co.nz/kiwisaver-fund-allocation-shift/ (checked 10 November 2026). CC BY 4.0.]
- [Monthly & 10-year KiwiSaver significant financial hardship withdrawals (Obs: September 2026 | End: 2026-09-30 | Published: Monthly Inland Revenue KiwiSaver withdrawal statistics release (~4 weeks after month-end))](https://pulse-data.homeloanfactory.co.nz/kiwisaver-hardship-withdrawals/): In September 2026, Inland Revenue recorded 5,440 KiwiSaver members approved for a significant financial hardship withdrawal totalling $47.9m—an HLF-derived mean of $8,805 per member (with annual hardship withdrawals rising over 10 years from 10,670 members / $59.4m in FY2016 to 52,330 members / $538.2m in FY2026). [Official Data: Inland Revenue KiwiSaver Withdrawals (September 2026): Financial hardship withdrawals = 5,440 members and $47.9m (FY2026: 52,330 / $538.2m vs FY2016: 10,670 / $59.4m). | HLF Calculation: $47.9m × $1m ÷ 5,440 members = $8,805/member (FY2026 annual avg: $538.2m ÷ 52,330 = $10,285/member) | Cite as: HLF Pulse, Home Loan Factory. "Monthly & 10-year KiwiSaver significant financial hardship withdrawals," September 2026. Derived by HLF from Inland Revenue — KiwiSaver Withdrawal Statistics (Financial Hardship). https://pulse-data.homeloanfactory.co.nz/kiwisaver-hardship-withdrawals/ (checked 10 November 2026). CC BY 4.0.]
- [KiwiSaver members on active savings suspensions (10-year trend) (Obs: September 2026 | End: 2026-09-30 | Published: Monthly Inland Revenue KiwiSaver savings suspension release (~4 weeks after month-end))](https://pulse-data.homeloanfactory.co.nz/kiwisaver-savings-suspensions/): In September 2026, Inland Revenue recorded 83,936 KiwiSaver members on an active savings suspension (comprising 82,794 ordinary suspensions and 1,142 financial hardship suspensions)—down an HLF-calculated 34.1% over 10 years from 127,360 in June 2016 following the reduction of the maximum standard suspension term from 5 years to 1 year. [Official Data: Inland Revenue KiwiSaver Savings Suspensions (September 2026): Total active suspensions = 83,936 (Ordinary = 82,794, Financial hardship = 1,142; compared with 127,360 in June 2016). | HLF Calculation: 10Y Change: (83,936 − 127,360) ÷ 127,360 = -34.1% | Ordinary share: 82,794 ÷ 83,936 = 98.6% | Cite as: HLF Pulse, Home Loan Factory. "KiwiSaver members on active savings suspensions (10-year trend)," September 2026. Derived by HLF from Inland Revenue — KiwiSaver Savings Suspension Statistics. https://pulse-data.homeloanfactory.co.nz/kiwisaver-savings-suspensions/ (checked 10 November 2026). CC BY 4.0.]
- [Annual, monthly & 10-year KiwiSaver scheme transfers (members switching providers) (Obs: Year ended June 2026 | End: 2026-06-30 | Published: Annual Inland Revenue KiwiSaver scheme transfer release (published post-30 June FY))](https://pulse-data.homeloanfactory.co.nz/kiwisaver-switches/): Over the year ended 30 June 2026, Inland Revenue recorded 198,897 KiwiSaver inter-scheme transfers (up from 140,557 in FY2016, and up an HLF-calculated +41.5% over 10 years from 140,557 in FY2016)—an HLF-derived mean of 16,575 provider switches per month. [Official Data: Inland Revenue KiwiSaver Scheme Transfers (Year ended 30 June 2026): 198,897 inter-scheme transfers (vs 140,557 in FY2016 and 140,557 in FY2016). | HLF Calculation: Monthly mean: 198,897 ÷ 12 = 16,575/mth | 10Y growth: (198,897 − 140,557) ÷ 140,557 = +41.5% | Cite as: HLF Pulse, Home Loan Factory. "Annual, monthly & 10-year KiwiSaver scheme transfers (members switching providers)," Year ended June 2026. Derived by HLF from Inland Revenue — KiwiSaver Scheme Transfer Statistics. https://pulse-data.homeloanfactory.co.nz/kiwisaver-switches/ (checked 10 November 2026). CC BY 4.0.]
- [KiwiSaver total funds under management (FUM) & average member balance (10-year nominal & real growth) (Obs: Year ended 31 March 2026 | End: 2026-03-31 | Published: 2026-09-10 (10 September 2026 — FMA KiwiSaver Annual Report 2026 release))](https://pulse-data.homeloanfactory.co.nz/kiwisaver-total-fum-balance/): In the FMA's 2026 KiwiSaver Annual Report (for the year ended 31 March 2026, published 10 September 2026), total funds under management reached $138.8B across 3.44 million enrolled members, with an officially reported average member balance of $40,340—up +213.9% nominally (+12.1%/yr, or +$27,488) from $12,852 in 2016, and up +134.8% in CPI inflation-adjusted (real) terms (+8.9%/yr, or +$23,157 in 2026 dollars). [Official Data: FMA KiwiSaver Annual Report 2026 (year ended 31 March 2026, published 10 September 2026): Official average member balance = $40,340; Total FUM = $138.8B across 3.44m members (vs $12,852 / $33.8B in March 2016). | HLF Calculation: Nominal 10Y: ($40,340 − $12,852) ÷ $12,852 = +213.9% (+12.1%/yr) | Real 10Y (÷1.337 CPI): ($40,340 ÷ $17,183) − 1 = +134.8% (+8.9%/yr) | Cite as: HLF Pulse, Home Loan Factory. "KiwiSaver total funds under management (FUM) & average member balance (10-year nominal & real growth)," Year ended 31 March 2026. Derived by HLF from Financial Markets Authority (FMA) KiwiSaver Annual Report & RBNZ Managed Funds Survey. https://pulse-data.homeloanfactory.co.nz/kiwisaver-total-fum-balance/ (checked 10 November 2026). CC BY 4.0.]
- [Life insurance annual price movement (Stats NZ CPI) (Obs: September 2026 quarter | End: 2026-09-30 | Published: Quarterly Stats NZ CPI release (~3 weeks after reference quarter-end))](https://pulse-data.homeloanfactory.co.nz/life-insurance-inflation/): In the September 2026 quarter, Stats NZ's constant-age, constant-sum-insured life insurance price index recorded a +2.9% annual change (alongside +3.7% headline CPI inflation). [Official Data: Stats NZ CPI (September 2026 quarter): Life insurance price index = +2.9% YoY; All-groups CPI = +3.7% YoY. | HLF Calculation: Life insurance CPI (+2.9%) minus All-groups CPI (+3.7%) = -0.8 percentage points | Cite as: HLF Pulse, Home Loan Factory. "Life insurance annual price movement (Stats NZ CPI)," September 2026 quarter. Source: Stats NZ — Consumers Price Index (Life Insurance Sub-Index). https://pulse-data.homeloanfactory.co.nz/life-insurance-inflation/ (checked 10 November 2026). CC BY 4.0.]
- [Existing owner-occupiers approved at >80% LVR (under 20% equity) (Obs: September 2026 | End: 2026-09-30 | Published: 2026-10-27 (27 October 2026))](https://pulse-data.homeloanfactory.co.nz/mover-low-equity/): In September 2026, RBNZ Table C31 recorded 769 mortgages ($378m) for existing ('other') owner-occupiers at &gt;80% LVR—an HLF-derived 5.1% share of existing owner-occupier approvals, up from 3.3% a year earlier. [Official Data: RBNZ Table C31 (September 2026): 769 >80% LVR other owner-occupier loans ($378m) out of 15,096 total other owner-occupier loans. | HLF Calculation: 769 ÷ 15,096 = 5.1% | Cite as: HLF Pulse, Home Loan Factory. "Existing owner-occupiers approved at >80% LVR (under 20% equity)," September 2026. Derived by HLF from Reserve Bank of New Zealand Table C31. https://pulse-data.homeloanfactory.co.nz/mover-low-equity/ (checked 10 November 2026). CC BY 4.0.]
- [Natural Hazards Insurance Act (NHCover) statutory building cap, levy & disaster claims benchmark (Obs: Current NHI Act 2023 Schedule | End: 2026-05-31 | Published: 2024-07-01 (1 July 2024 — Natural Hazards Insurance Act 2023 commencement))](https://pulse-data.homeloanfactory.co.nz/natural-hazard-claims/): Under the Natural Hazards Insurance Act 2023, the Natural Hazards Commission Toka Tū Ake (NHC) provides statutory first-loss residential building cover up to $300,000 + GST (an HLF-calculated $345,000 incl. GST) per dwelling at a levy of 16c per $100 of cover (capped at $480 + GST / $552.00 incl. GST per year), following $3.8B+ in insured catastrophe losses from the 2023 North Island severe weather events. [Official Data: Natural Hazards Insurance Act 2023 Statutory Schedule: Building cap = $300,000 (excl. GST), max annual levy = $480 (excl. GST); 2023 North Island weather catastrophe insured losses = $3.8B+. | HLF Calculation: Cap incl. GST: $300,000 × 1.15 = $345,000 | Max Levy incl. GST: ($300,000 ÷ 100 × $0.16) × 1.15 = $552.00 | Cite as: HLF Pulse, Home Loan Factory. "Natural Hazards Insurance Act (NHCover) statutory building cap, levy & disaster claims benchmark," Current NHI Act 2023 Schedule. Derived by HLF from Natural Hazards Insurance Act 2023, NHC Toka Tū Ake & RBNZ Financial Stability Report. https://pulse-data.homeloanfactory.co.nz/natural-hazard-claims/ (checked 10 November 2026). CC BY 4.0.]
- [High-LVR mortgage lending channels supported by new-build & speed-limit exemptions (Obs: September 2026 | End: 2026-09-30 | Published: 2026-10-27 (27 October 2026))](https://pulse-data.homeloanfactory.co.nz/new-build-lvr-exemption-flow/): In September 2026, RBNZ Table C31 recorded an HLF-derived combined total of 1,296 non-FHB high-LVR loans ($715m) across existing owner-occupiers borrowing at &gt;80% LVR (769 loans / $378m) and property investors borrowing at &gt;70% LVR (527 loans / $337m). [Official Data: RBNZ Table C31 (September 2026): Other owner-occupiers >80% LVR = 769 loans ($378m); Investors >70% LVR = 527 loans ($337m). | HLF Calculation: Dollars: $378m + $337m = $715m | Loans: 769 + 527 = 1,296 | Cite as: HLF Pulse, Home Loan Factory. "High-LVR mortgage lending channels supported by new-build & speed-limit exemptions," September 2026. Derived by HLF from Reserve Bank of New Zealand Table C31. https://pulse-data.homeloanfactory.co.nz/new-build-lvr-exemption-flow/ (checked 10 November 2026). CC BY 4.0.]
- [Annual new residential dwellings consented in New Zealand (Obs: Year ended September 2026 | End: 2026-09-30 | Published: Monthly Stats NZ Building Consents release (~4 weeks after reference month-end))](https://pulse-data.homeloanfactory.co.nz/new-builds-annual/): In the 12 months ended September 2026, Stats NZ reported 41,091 new residential dwellings consented across New Zealand (up 18.0% year-on-year, with 3,570 dwellings consented in the month of September 2026). [Official Data: Stats NZ Building Consents (September 2026): Annual consents = 41,091 (up 18.0% YoY); Monthly consents = 3,570. | HLF Calculation: Directly reported Stats NZ annual total = 41,091 (3,570 in September 2026) | Cite as: HLF Pulse, Home Loan Factory. "Annual new residential dwellings consented in New Zealand," Year ended September 2026. Source: Stats NZ — Building Consents Issued. https://pulse-data.homeloanfactory.co.nz/new-builds-annual/ (checked 10 November 2026). CC BY 4.0.]
- [Existing owner-occupiers approved at <=80% LVR (20% or more equity) (Obs: September 2026 | End: 2026-09-30 | Published: 2026-10-27 (27 October 2026))](https://pulse-data.homeloanfactory.co.nz/owner-equity-buffer/): In September 2026, RBNZ Table C31 recorded 14,327 of 15,096 existing ('other') owner-occupier mortgage approvals ($4.16B) at &le;80% LVR (corresponding to 20%+ security equity)—an HLF-derived share of 94.9% and mean loan size of $290,082. [Official Data: RBNZ Table C31 (September 2026): 14,327 <=80% LVR other owner-occupier borrowers ($4,156m) out of 15,096 total other owner-occupier borrowers. | HLF Calculation: 14,327 ÷ 15,096 = 94.9% (Mean loan: $4,156m × $1m ÷ 14,327 = $290,082) | Cite as: HLF Pulse, Home Loan Factory. "Existing owner-occupiers approved at <=80% LVR (20% or more equity)," September 2026. Derived by HLF from Reserve Bank of New Zealand Table C31. https://pulse-data.homeloanfactory.co.nz/owner-equity-buffer/ (checked 10 November 2026). CC BY 4.0.]
- [Monthly mortgage refinancing (borrowers changing loan provider) (Obs: September 2026 | End: 2026-09-30 | Published: 2026-10-27 (27 October 2026))](https://pulse-data.homeloanfactory.co.nz/refinance/): In September 2026, RBNZ Table C33 recorded 2,772 borrowers changing loan provider and $1.73B ($1,729m) in refinanced loans—representing an HLF-derived 23.0% share of all new residential lending and a mean loan size of $623,737 (~$624k). [Official Data: RBNZ Table C33 (September 2026): Change in loan provider = 2,772 borrowers and $1,729m out of $7,533m total purpose lending (dollar series rounded to $1m). | HLF Calculation: $1,729m ÷ $7,533m = 23.0% (Mean loan: $1,729m × $1m ÷ 2,772 = $623,737; RBNZ dollar series rounded to $1m) | Cite as: HLF Pulse, Home Loan Factory. "Monthly mortgage refinancing (borrowers changing loan provider)," September 2026. Derived by HLF from Reserve Bank of New Zealand Table C33. https://pulse-data.homeloanfactory.co.nz/refinance/ (checked 10 November 2026). CC BY 4.0.]
- [Annual new residential building consents by major New Zealand region (Obs: Year ended September 2026 | End: 2026-09-30 | Published: Monthly Stats NZ Building Consents release (~4 weeks after reference month-end))](https://pulse-data.homeloanfactory.co.nz/regional-building-consents/): In the 12 months ended September 2026, New Zealand's 41,091 annual dwelling consents were led by Auckland (17,131 consents, or 41.7% of national supply) and Canterbury (8,906, or 21.7%), followed by Waikato (3,265, or 7.9%), Wellington (2,403, or 5.8%), and the rest of New Zealand (9,386, or 22.8%). [Official Data: Stats NZ Regional Building Consents (Year ended September 2026): Auckland = 17,131; Canterbury = 8,906; Waikato = 3,265; Wellington = 2,403; Rest of NZ = 9,386 (Total = 41,091). | HLF Calculation: AKL: 17,131÷41,091=41.7% | CANT: 8,906÷41,091=21.7% | WAIK: 3,265÷41,091=7.9% | WGTN: 2,403÷41,091=5.8% | Cite as: HLF Pulse, Home Loan Factory. "Annual new residential building consents by major New Zealand region," Year ended September 2026. Derived by HLF from Stats NZ — Building Consents Issued (Regional Breakdown). https://pulse-data.homeloanfactory.co.nz/regional-building-consents/ (checked 10 November 2026). CC BY 4.0.]
- [Long-term 5-year & 10-year New Zealand median weekly rent growth (nominal & real CPI-adjusted) (Obs: August 2026 | End: 2026-08-31 | Published: 2026-10-13 (13 October 2026))](https://pulse-data.homeloanfactory.co.nz/rent-long-term-growth/): Over the 10 years to August 2026, New Zealand's national median weekly private rent rose in nominal terms by an HLF-derived +52.6% (+$205/wk, or +4.3%/yr nominal) from $390/wk to $595/wk—equivalent to +14.1% (+1.3%/yr) in CPI inflation-adjusted (real) terms. Over the past 5 years (from $510/wk), median rent rose +16.7% (+3.1%/yr) nominally and -5.0% (-1.0%/yr) in real terms. [Official Data: MBIE Tenancy Services (August 2026): National median weekly rent = $595/wk (compared with $510/wk 5 years earlier and $390/wk 10 years earlier). | HLF Calculation: 10Y Nominal: ($595−$390)÷$390=+52.6% (+4.3%/yr) | 10Y Real (÷1.337 CPI): +14.1% (+1.3%/yr) | 5Y Nominal: +16.7% (+3.1%/yr) | 5Y Real (÷1.228 CPI): -5.0% | Cite as: HLF Pulse, Home Loan Factory. "Long-term 5-year & 10-year New Zealand median weekly rent growth (nominal & real CPI-adjusted)," August 2026. Derived by HLF from MBIE Tenancy Services — Rental Bond Data (Long-Term Series) & Stats NZ CPI. https://pulse-data.homeloanfactory.co.nz/rent-long-term-growth/ (checked 10 November 2026). CC BY 4.0.]
- [New Zealand weekly private rent distribution: lower quartile, median & upper quartile (Obs: August 2026 | End: 2026-08-31 | Published: 2026-10-13 (13 October 2026))](https://pulse-data.homeloanfactory.co.nz/rent-quartile-spread/): In August 2026, newly lodged New Zealand private tenancy bonds recorded a lower-quartile (25th percentile) rent of $500/wk, a national median of $595/wk, and an upper-quartile (75th percentile) rent of $700/wk—an HLF-calculated interquartile spread of $200/wk ($10,400/yr). [Official Data: MBIE Tenancy Services (August 2026): Nationwide ('ALL') Lower Quartile Rent = $500/wk; Median Rent = $595/wk; Upper Quartile Rent = $700/wk. | HLF Calculation: Upper Quartile ($700/wk) minus Lower Quartile ($500/wk) = $200/wk ($10,400/yr) | Cite as: HLF Pulse, Home Loan Factory. "New Zealand weekly private rent distribution: lower quartile, median & upper quartile," August 2026. Derived by HLF from MBIE Tenancy Services — Rental Bond Data (Quartile Series). https://pulse-data.homeloanfactory.co.nz/rent-quartile-spread/ (checked 10 November 2026). CC BY 4.0.]
- [New Zealand national and regional median weekly private rent (Obs: August 2026 | End: 2026-08-31 | Published: 2026-10-13 (13 October 2026))](https://pulse-data.homeloanfactory.co.nz/rent-yield-pulse/): In August 2026, MBIE Tenancy Services reported a national median weekly rent across newly lodged private tenancy bonds of $595/wk (up 0.8% on a year earlier, derived by HLF), with regional medians of $650/wk in Auckland, $580/wk in Wellington, and $550/wk in Canterbury. [Official Data: MBIE Tenancy Services (August 2026): National ('ALL') median weekly rent = $595/wk; Auckland = $650/wk; Wellington = $580/wk; Canterbury = $550/wk. | HLF Calculation: Reported national median = $595/wk; YoY = ($595 - $590) ÷ $590 = +0.8% | Cite as: HLF Pulse, Home Loan Factory. "New Zealand national and regional median weekly private rent," August 2026. Derived by HLF from MBIE Tenancy Services — Rental Bond Data. https://pulse-data.homeloanfactory.co.nz/rent-yield-pulse/ (checked 10 November 2026). CC BY 4.0.]
- [Monthly newly lodged and active private rental bonds in New Zealand (Obs: August 2026 | End: 2026-08-31 | Published: 2026-10-13 (13 October 2026))](https://pulse-data.homeloanfactory.co.nz/rental-bonds-supply/): In August 2026, MBIE Tenancy Services recorded 13,062 newly lodged private rental bonds and 522,942 active private rental bonds nationwide. [Official Data: MBIE Tenancy Services (August 2026): Nationwide ('ALL') Lodged Bonds = 13,062; Active Bonds = 522,942. | HLF Calculation: Directly reported MBIE 'ALL' location: 13,062 lodged bonds & 522,942 active bonds | Cite as: HLF Pulse, Home Loan Factory. "Monthly newly lodged and active private rental bonds in New Zealand," August 2026. Source: MBIE Tenancy Services — Rental Bond Data. https://pulse-data.homeloanfactory.co.nz/rental-bonds-supply/ (checked 10 November 2026). CC BY 4.0.]
- [Annual net change in active private rental bonds & monthly tenancy turnover (Obs: August 2026 | End: 2026-08-31 | Published: 2026-10-13 (13 October 2026))](https://pulse-data.homeloanfactory.co.nz/rental-turnover-net-stock/): Over the 12 months to August 2026, New Zealand's pool of active private rental bonds changed by an HLF-calculated +28,287 bonds (+5.7%) to 522,942 active bonds (compared with 494,655 a year earlier), with 13,062 bonds lodged and 11,256 bonds closed during August 2026 (a monthly net flow of +1,806 bonds). [Official Data: MBIE Tenancy Services (August 2026): Active Bonds = 522,942 (vs 494,655 a year earlier); Monthly Lodged Bonds = 13,062; Monthly Closed Bonds = 11,256. | HLF Calculation: 12M Net Stock Change: 522,942 − 494,655 = +28,287 (+5.7%) | Monthly Net Flow: 13,062 − 11,256 = +1,806 | Cite as: HLF Pulse, Home Loan Factory. "Annual net change in active private rental bonds & monthly tenancy turnover," August 2026. Derived by HLF from MBIE Tenancy Services — Rental Bond Data (Lodged, Closed & Active Bonds). https://pulse-data.homeloanfactory.co.nz/rental-turnover-net-stock/ (checked 10 November 2026). CC BY 4.0.]
- [New Zealand residential dwelling insurance coverage & uninsured dwelling estimate (Obs: May 2026 RBNZ Financial Stability Report | End: 2026-05-31 | Published: 2026-05-06 (6 May 2026 — RBNZ Financial Stability Report release))](https://pulse-data.homeloanfactory.co.nz/residential-insurance-coverage/): In its May 2026 Financial Stability Report, the Reserve Bank of New Zealand estimated that approximately 60,000 of New Zealand's ~2,000,000 domestic residential dwellings had no building insurance cover—representing an HLF-derived 3.0% uninsured share and 97.0% (~1,940,000 dwellings) insured across ~$1.5 trillion in residential sum insured. [Official Data: RBNZ May 2026 Financial Stability Report & NHC: ~60,000 uninsured domestic dwellings out of ~2,000,000 total domestic dwellings (~$1.5T total residential sum insured). | HLF Calculation: Uninsured: 60,000 ÷ 2,000,000 = 3.0% | Insured: (2,000,000 − 60,000) ÷ 2,000,000 = 97.0% | Cite as: HLF Pulse, Home Loan Factory. "New Zealand residential dwelling insurance coverage & uninsured dwelling estimate," May 2026 RBNZ Financial Stability Report. Derived by HLF from Reserve Bank of New Zealand Financial Stability Report (May 2026) & Natural Hazards Commission. https://pulse-data.homeloanfactory.co.nz/residential-insurance-coverage/ (checked 10 November 2026). CC BY 4.0.]
- [Weighted-average settled 1-year and 2-year fixed mortgage interest rates (Obs: September 2026 | End: 2026-09-30 | Published: 2026-11-05 (5 November 2026))](https://pulse-data.homeloanfactory.co.nz/settled-rates/): In September 2026, RBNZ Table B30 reported a dollar-weighted average settled fixed mortgage interest rate of 4.82% for 1-year terms and 5.09% for 2-year terms across New Zealand owner-occupiers. [Official Data: RBNZ Table B30 (September 2026): Weighted-average settled owner-occupier rate = 4.82% (1-year fixed) and 5.09% (2-year fixed). | HLF Calculation: Directly reported RBNZ B30 series NCFA.MAM1PR.D1 = 4.82% (1Y) & NCFA.MAM1PR.D2 = 5.09% (2Y) | Cite as: HLF Pulse, Home Loan Factory. "Weighted-average settled 1-year and 2-year fixed mortgage interest rates," September 2026. Source: Reserve Bank of New Zealand Table B30. https://pulse-data.homeloanfactory.co.nz/settled-rates/ (checked 10 November 2026). CC BY 4.0.]
- [New dwelling consents breakdown: stand-alone houses, townhouses, apartments & retirement units (Obs: September 2026 | End: 2026-09-30 | Published: Monthly Stats NZ Building Consents release (~4 weeks after reference month-end))](https://pulse-data.homeloanfactory.co.nz/standalone-vs-retirement-apartments/): In September 2026, New Zealand's 3,570 newly consented dwellings comprised 1,733 stand-alone houses (48.5%), 1,305 townhouses, flats, and units (36.6%), 411 apartments (11.5%), and 121 retirement village units (3.4%). [Official Data: Stats NZ Building Consents (September 2026): Stand-alone houses = 1,733; Townhouses/flats/units = 1,305; Apartments = 411; Retirement village units = 121 (Total = 3,570). | HLF Calculation: Houses: 1,733/3,570=48.5% | Townhouses: 1,305/3,570=36.6% | Apartments: 411/3,570=11.5% | Retirement: 121/3,570=3.4% | Cite as: HLF Pulse, Home Loan Factory. "New dwelling consents breakdown: stand-alone houses, townhouses, apartments & retirement units," September 2026. Derived by HLF from Stats NZ — Building Consents Issued (All Dwelling Types). https://pulse-data.homeloanfactory.co.nz/standalone-vs-retirement-apartments/ (checked 10 November 2026). CC BY 4.0.]
- [New Zealand median student loan balance (Obs: June 2026 | End: 2026-06-30 | Published: Quarterly Inland Revenue Student Loan statistics release (~6 weeks after quarter-end))](https://pulse-data.homeloanfactory.co.nz/student-loan-servicing/): In Inland Revenue's June 2026 Student Loan Scheme statistics, the median New Zealand student loan borrower balance was $18,301 (up 4.5% on a year earlier from $17,516 in June 2025). [Official Data: Inland Revenue Student Loan Scheme (June 2026): Median borrower balance = $18,301 (compared with $17,516 in June 2025). | HLF Calculation: Directly reported IRD median = $18,301 (Change: ($18,301 - $17,516) ÷ $17,516 = +4.5%) | Cite as: HLF Pulse, Home Loan Factory. "New Zealand median student loan balance," June 2026. Derived by HLF from Inland Revenue — Student Loan Scheme Statistics. https://pulse-data.homeloanfactory.co.nz/student-loan-servicing/ (checked 10 November 2026). CC BY 4.0.]
- [Monthly mortgage top-ups on existing properties (borrower share & average top-up) (Obs: September 2026 | End: 2026-09-30 | Published: 2026-10-27 (27 October 2026))](https://pulse-data.homeloanfactory.co.nz/top-ups/): In September 2026, RBNZ Table C33 recorded 9,639 borrowers approved for a mortgage top-up on an existing property—an HLF-derived 46.4% share of all mortgage approvals by count and a mean top-up of $99,803 (~$100k). [Official Data: RBNZ Table C33 (September 2026): Top-up approvals = 9,639 borrowers ($962m) out of 20,763 total approvals. | HLF Calculation: 9,639 ÷ 20,763 = 46.4% (Mean top-up: $962m × $1m ÷ 9,639 = $99,803) | Cite as: HLF Pulse, Home Loan Factory. "Monthly mortgage top-ups on existing properties (borrower share & average top-up)," September 2026. Derived by HLF from Reserve Bank of New Zealand Table C33. https://pulse-data.homeloanfactory.co.nz/top-ups/ (checked 10 November 2026). CC BY 4.0.]
- [Multi-unit share of new residential building consents (Obs: September 2026 | End: 2026-09-30 | Published: Monthly Stats NZ Building Consents release (~4 weeks after reference month-end))](https://pulse-data.homeloanfactory.co.nz/townhouse-share/): In September 2026, an HLF-derived 51.5% (1,837 of 3,570) of new residential dwelling consents were for multi-unit/non-standalone dwellings (including townhouses, flats, units, apartments, and retirement village units)—with townhouses, flats, and units specifically accounting for 36.6% (1,305 of 3,570) and apartments plus retirement village units accounting for 14.9% (532). [Official Data: Stats NZ Building Consents (September 2026): Total dwellings = 3,570; Stand-alone houses = 1,733; Townhouses, flats & units = 1,305; Apartments & retirement units = 532. | HLF Calculation: Multi-unit overall: (3,570 − 1,733) ÷ 3,570 = 1,837 ÷ 3,570 = 51.5% | Townhouses/flats/units specifically: 1,305 ÷ 3,570 = 36.6% | Cite as: HLF Pulse, Home Loan Factory. "Multi-unit share of new residential building consents," September 2026. Derived by HLF from Stats NZ — Building Consents Issued. https://pulse-data.homeloanfactory.co.nz/townhouse-share/ (checked 10 November 2026). CC BY 4.0.]
- [Vehicle insurance annual price inflation (Stats NZ CPI) (Obs: September 2026 quarter | End: 2026-09-30 | Published: Quarterly Stats NZ CPI release (~3 weeks after reference quarter-end))](https://pulse-data.homeloanfactory.co.nz/vehicle-insurance-inflation/): In the September 2026 quarter, Stats NZ's Consumers Price Index recorded a +8.8% annual increase in the motor vehicle insurance price index—sitting +5.1 percentage points above headline CPI (+3.7%). [Official Data: Stats NZ CPI (September 2026 quarter): Vehicle insurance price index = +8.8% YoY; All-groups CPI = +3.7% YoY. | HLF Calculation: Vehicle insurance CPI (+8.8%) minus All-groups CPI (+3.7%) = +5.1 percentage points | Cite as: HLF Pulse, Home Loan Factory. "Vehicle insurance annual price inflation (Stats NZ CPI)," September 2026 quarter. Source: Stats NZ — Consumers Price Index (Vehicle Insurance Sub-Index). https://pulse-data.homeloanfactory.co.nz/vehicle-insurance-inflation/ (checked 10 November 2026). CC BY 4.0.]