Tim Dower: Are Our Borrowing Trends Getting Out Of Hand? (NewstalkZB)
Recent online media coverage featuring Centrix insights or commentary:
August 2025
Increase in pressure on household budgets across New Zealand as consumers cut back on discretionary spending (NZHerald)
Centrix says 478,000 people behind on payments this June quarter, hospitality sector one of the most vulnerable industries in current economic climate (interest.co.nz)
Mortgage arrears: 21,600 home loans were past due in the June quarter, according to credit bureau Centrix (interest.co.nz)
Average home loan passes $500,000 as size of first home-buyer loans nears historic peak (The Post)
Consumer debt issues down, but liquidations up (RNZ)
“Continuing trend of improvement” as rate of late payments falls slightly (NewstalkZB)
More mortgage loans tip into non-performing group (Good Returns)
More mortgage loans tip into non-performing group (The New Zealand Mortgage Mag)
Mortgage arrears ease as credit demand and business stress persist (NZA)
July 2025
Customers weighing up worth of insurance to battle rising costs (RNZ)
Some Kiwis considering ditching insurance due to rising costs (RNZ)
Specialist lenders respond as financial hardship cases rise in June (NZA)
Size of vehicle loans grows (Autofile)
Why the Reserve Bank is tipped to pause rate cuts (Stuff)
Mortgage arrears still challenging (Good Retuns)
Mortgage arrears still challenging (The New Zealand Mortgage Mag)
Tātau Tātau O Te Wairoa Calls For Urgent Government Investment Following Alarming Arrears Statistics (Community Scoop)
As house prices drop, will the retirement nest egg still be such a safe bet? (Auckland News)
Claire Dale says changes to KiwiSaver, global economic uncertainty and predictions house prices could drop by as much as 20% by 2030 all mean retirement is looking very different to how it once did (interest.co.nz)
With falling house prices, fewer retirees can rely on their home as a nest egg (1news)
As house prices drop, will the retirement nest egg still be such a safe bet? (RNZ)
Loan Arrears Still a Big Concern for Kiwi Households (infonews.co.nz)
MPs deluged with tales of irresponsible lending (The Post)
As Kiwis battle rising electricity bills, campaigners call for change – Power to the People, part 1 (NZHerald)
‘We are suffering’: Solo mum used Afterpay for food after power bills chewed up benefit (NewstalkZB)
Company liquidations still on the rise – when will they fall? (NewstalkZB)
Household debt easing but businesses still doing it tough (1News)
Company liquidations on the rise as the IRD ‘tidies up’ historic debt (NewstalkZB)
Financial hardship cases rise (Stuff)
Auto loan arrears dip but defaults still elevated, Centrix finds (AutoTalk)
Financial hardship cases rise (RNZ)
Finally, some brightness amidst the gloom (Channel Magazine)
Nicola Willis says NZ economy feeling ‘aftershocks of world events’ as more Kiwis struggle to pay bills (NZHerald)
Financial Hardship Cases Up In June, What Does It Mean? Specialist Lenders Break It Down (Business Scoop)
Financial hardship case numbers rise (Otago Daily Times)
So many extreme weather events, but no mention of climate change (The Kaka)
Centrix Credit Indicator reveals hardship on steady rise, more unable to pay bills (NZHerald)
June 2025
How rich is your region? Best credit score, most affordable housing and lowest unemployment revealed (RNZ)
More dealers seeking credit (Autofile)
Roadworks extended, auction fundraiser planned, property asking prices drop (ThePress)
Lotto fever grips New Zealand amid financial struggles and rising living costs (NZHerald)
Is 420 the magic credit score number for a home loan application? (RNZ)
How bad can your credit score get before it’s a problem? (1news)
Financial challenges are ongoing (Channel Magazine)
Mortgage arrears drop in April but financial hardships rise for middle-aged (NZ Herald)
Increase in NZ borrowers in serious arrears as job market stalls (The Post)
Company profits jump (Autofile)
Households boosted by falling interest rates (RNZ)
Consumer arrears fall as company liquidations remain high (NewstalkZB)
Mortgage arrears falling but hardships up (Good Returns)
Builder’s close-call amid depression crisis in construction (NewstalkZB)
Auto lending picks up as consumer credit trends improve (Autotalk)
May 2025
Falling interest rates yet to put dent in mortgage arrears (NZ Herald)
Overdue home loan payments reach eight-year high – Centrix (RNZ)
Overdue mortgage payments hit eight-year high (Otago Daily Times)
Inside Economics: How much Government debt is too much? … plus oil prices plummet (NZ Herald)
Automotive arrears increase (Autofile)
Unemployment freezes while debt stress rises while Reserve Bank warns of global risk (The Daily Blog NZ)
April 2025
Signs of optimism as number of NZers behind on payments falls (BusinessDesk)
Green shoots of optimism as number of Kiwis behind on payments falls (NZHerald)
Mortgage stability marks New Zealand’s economic uptick (NZ Advisor)
Borrowers behind in mortgage payments ebbing (Good Returns)
Arrears on vehicle loans flat (Autofile)
March 2025
Payments arrears spike over the holiday season (The Press)
Distressed home loans reach record highs (The Mortgage Magazine)
Demand for car loans falls (AutoFile)
Mortgage arrears hit 8-year high, liquidations surge 38% (NBR)
Mortgage arrears hit an eight-year high despite falling interest rates (NZ Herald)
New Zealand mortgage arrears hit eight-year high (Stuff)
Liquidations rise 38% led by hospitality and transport sectors (BusinessDesk)
Credit bureau Centrix says 23,700 home loans are past due, a 6% year-on-year increase (Interest.co.nz)
Number of people behind on mortgages at 8-year high (RNZ)
Mortgage arrears at an eight-year high – Centrix (1News)
Distressed home loans reach record highs (Good Returns)
Number of people behind on mortgages at 8-year high (Otago Daily Times)
Auto loan demand down 5.6% y/y in January quarter (AutoTalk)
Financial Hardship At Its Highest Level Since 2020 (Scoop)
KIWI RECESSION: Mortagage arrears at an eight-year high (Property Noise)
NZ faces rising mortgage arrears amid lower interest rates (NZ Advisor)
Mortgage arrears now at an eight-year high (NZ Mortgage Mag)
February 2025
“Hedge your bets”: Mortgage broker advises caution amid OCR uncertainty (NewstalkZB)
“A seasonal thing”: Centrix remains optimistic despite rising consumer arrears (NewstalkZB)
Number of mortgage holders behind in payments up 1,100 in one month (Good Returns)
Vehicle-loan demand slides (Autofile)
Where are the mortgagee sales? (RNZ)
Home loan pain; Auckland worst despite Wellington public sector cuts (The Press)
Centrix report shows 470,000 borrowers in arrears (RNZ)
470,000 Kiwis behind on repayments as festive season spending pushes more into debt (NZ Herald)
Mortgage stress drives 19% spike in financial hardship (NBR)
January 2025
The businesses that didn’t make it through 2024 (MSN)
The thing you should avoid more than any to get your finances back on track (The PRess)
Editorial: Ease this year’s financial worries by planning ahead now (NZ Herald)
Christopher Luxon’s first year as PM and the challenges ahead (NBR)
$300b mortgage debt ‘tsunami’ due to hit this year (NBR)
Company liquidations at 10-year high ‒ will it get worse? (Stuff)
South Canterbury company behind Temuka cafe declared insolvent (The Press)
December 2024
In the red: past-due column grows ahead of Christmas (NBR)
EY NZ quits restructuring, report reveals (NBR)
‘Challenging picture’: 461,000 borrowers behind on their payment (NZHerald)
Big jump in loan defaults as debt-fuelled holiday season begins (Waikato Times)
Credit insights paint challenging picture this festive season (Stuff)
Number of liquidations expected to increase over next six months at least (The Press)
Debt pressures still a big issue across the economy – report (RNZ)
Hard times not easing much for mortgage borrowers (Good Returns)
November 2024
Company liquidations hit 10 year high (Stuff)
More than 450,000 Kiwis behind on debt repayments as festive spending season looms (NZ Herald)
Consumer credit demand in decline but arrears up, Centrix chief executive says (RNZ)
Rise in households struggling with mortgage repayments (NZ Mortgage Magazine)
Company liquidations hit highest monthly level in a decade, Centrix says (Interest)
Buy now, pay later the most common first-time path to credit/debt (Interest)
Wellington glows red on ‘heatmap’ of loan financial hardship (The Press)
Sixty people a week seek budgeting help in Hamilton (Waikato Times)
Surge in Wellington homeowners getting rates help (The Post)
Real-time insights for better builds (BusinessDesk)
Car loan arrears tipped to grow (Autofile)
Home loan hardship numbers at record levels (RNZ)
Has New Zealand reached peak financial hardship? (RNZ)
Hospitality crunch: Auckland beachfront restaurant in liquidation – what went wrong? (NZHerald)
Early signs of improvement in household finances as mortgage struggles peak (NZHerald)
October 2024
Applications for credit cards highest since 2021 (RNZ)
Company liquidations up 19 percent on last year (RNZ)
Cost-of-living: Economic challenges still weighing on households and businesses (NZHerald)
Five charts that show the tough financial state households are in (The Post)
The co-working companies defying the downturn (The Press)
September 2024
Liquidations are up 19% year-on-year, Centrix report says (BusinessDesk)
How to stop living pay day to pay day (Stuff)
‘They’re just not spending money’ – consumer credit demand continues to tumble (RNZ)
Businesses going bust as households leave money in the bank (Waikato Times)
‘They’re just not spending money’ – consumer credit demand continues to tumble (MSN)
Kiwis are getting a handle on their finances, data shows (NewstalkZB)
Businesses going bust as households leave money in the bank (The Press NZ)
Auckland Chamber of Commerce CEO says IRD behind increase in business closures (NewstalkZB)
Liquidation numbers soar as businesses ‘can’t hang on’ (1News)
Financial stress eases for young Kiwis but rises for mortgage holders (NewstalkZB)
As liquidation numbers soar, businesses ‘can’t hang on’ (RNZ)
‘Incredibly tough’: Liquidation numbers soar (Otago Daily Times)
Are things looking up for retailers at last? (RNZ)
August 2024
Vehicle loan demand slumps (AutoTalk)
Duncan Garner: It’s an apocalypse now, Adrian, so stop suffocating our economy (The Listner)
Young people are bypassing construction careers (The Press)
Editorial: Mortgage rates are coming down – but is the lowest rate really the best deal? (NZHerald)
Duncan Garner – Editor In Chief: LIVE – Ep. 46 (YouTube from 4.49 mins)
An ‘abnormally high’ 49,200 companies closed in past year – Centrix (The Press)
NZ’s debt burden stabilises, but businesses still struggle (RNZ)
Vehicle loan enquiries drop (Autofile)
Auckland businesses liquidate at twice the rate of other regions (RNZ)
Businesses are yet to benefit from a decreasing cost of living (NZCity)
NZ’s debt burden stabilises, but businesses still struggle (Microsoft)
July 2024
Liquidations trend upwards as small businesses suffer (NewstalkZB)
Housing advocates claim Kāinga Ora revamp will increase homelessness (Newhub)
Funding cuts for some budget services ‘quite frightening’ – mentor (1News)
Company insolvencies and liquidations up, 474,000 people now behind on payments (RNZ)
Company insolvencies and liquidations up, 474,000 people now behind on payments (NZ Herald)
More consumers fall behind on mortgage, credit card payments (RNZ)
Dealers top liquidation risk ratings (Autofile)
Consumers ‘better off’ with dealer finance (Autofile)
Mortgages and cars – the two should not go together (GoodReturns)
Mortgages and cars – the two should not go together (NZ Mortgage Magazine)
New home consents down 32% from peak (The Post)
June 2024
Business defaults, liquidations rise as sector faces ‘very challenging’ environment (NZHerald)
Who’s doing well despite the recession? (NewsHub)
Post-Christmas debt hangover is starting to ease, data shows (The Post)
Number of late mortgage repayments falls for second month (RNZ)
Number of late mortgage repayments falls for second month (Microsoft)
Boomers, farmers – who’s doing well, despite the recession? (RNZ)
Who’s doing well, despite the recession? (Otago Daily Time)
Non-performing housing loans up, monthly mortgage arrears down (NZ Mortgage Magazine))
New Zealanders are being increasingly careful with their spending (NZCity)
May 2024
Company liquidations reach nine-year high in March: Centrix (NBR)
Number of debt arrears in NZ creeps back up (RNZ)
Cost-of-living squeeze: More than 460,000 Kiwis behind on debt payments (NZHerald)
Company liquidations hit nine-year high, worse may be ahead (The Press)
Auto loan arrears up (AutoTalk)
Mortgage arrears up and still rising slowly (The NZ Mortgage Mag)
Vehicle loan arrears at all-time high (Autofile)
‘Doing it tough’: New data reveals 70 pct of Kiwis now worried about money (MSN)
SME loan unaffordability complaints on the rise (Motor Equipment News)
What the Budget needs to do to bring confidence back to business
April 2024
Data finds more people up to date on their payments (NewstalkZB)
Debt arrears down 4.8 percent in February – report (RNZ)
Kiwis’ credit by the numbers (Stuff)
Kiwi financial hardship rises in first months of 2024 – data (1News)
Payback time: consumers at 30-days past due hit six-year high (BusinessDesk)
Mixed credit trends amid NZ’s recession concerns (NZAdvisor)
What is happening with the NZ housing market this week? (RNZ)
Auckland epicentre of mortgage crisis (The Press)
Building company failures are the ‘new pandemic’ (The Press)
Growing number of homeowners falling behind on their mortgage (The Spinoff)
Small businesses warned about loans (The NZ Mortgage Magazine)
Kate Sylvester closure: ‘Really difficult’ time for retailers (RNZ)
March 2024
New Zealanders not paying their bills hits seven-year high (Newshub)
Auckland houses for sale flood market, hit 11-year peak (NZ Herald)
Number of Kiwis behind on mortgage highest since before Covid (1News)
Small business owners feeling the squeeze – Centrix (NBR)
Half a million NZ consumers in debt arrears – report (RNZ)
More than 480,000 Kiwis behind in debt payments (NZ Herald)
New Zealanders not paying their bills hits seven-year high (MSN NZ)
Mortgage arrears rising but still low (The NZ Mortgage Magazine)
Mortgage arrears rising but still low (Good Returns)
Post-Christmas spending hangover sees loan arrears hit seven-year high (The Press)
February 2024
More Kiwis falling behind on debt payments (1News)
Pressure on homeowners – mortgage arrears at 4 year high (RNZ)
More kiwis are behind on their bills as cost of living pressures bite (NewstalkZB)
Number of Kiwis falling behind on credit payments nears half a million – new data (Newshub)
Interest rates, cost-of-living drive up business and consumer defaults (RNZ)
More Kiwis falling behind on debt payments (1News)
Mortgage pain hits: Why can’t we use our money to clear it? (Stuff)
Credit culture: another holiday under the belt we’re tightening (BusinessDesk)
Homeowners under pressure as mortgage arrears hit near four-year high (NZ Herald)
January 2024
By the numbers: One man’s struggle to get out of debt (The Post)
How credit scores work (The Post)
The retail and hospitality businesses that went bust last year (The Post)
December 2023
How to avoid the debt trap over the holiday season (The Post)
Jump in mortgage arrears as interest rates bite (RNZ)
Spike in arrears on mortgages over $500,000 as interest rates and cost of living bite (The Post)
Debt risk as more Kiwis plan to put Christmas spending on credit cards (NZ Herald)
Cost of living pressures drive drop in retail spending (RNZ)
Interest-only loans spurned as mortgage arrears increase (Good Returns)
Almost 20,000 home loan borrowers falling behind: ‘Scary thing is it’s still going’ (Stuff)
‘Slow and low’: BNZ says housing market upturn will be like The Beastie Boys (BusinessDesk)
More than 19,000 home loan payments overdue as high interest rates hit mortgage holders (NZHerald)
Demand for consumer credit up before Christmas – Centrix (RNZ)
Mortgage stress for business owners hits new high (Waikato Times)
NZers debt increased in November data shows (RNZ)
Focus Morning Bulletin: Rail costs, ceasefire extended and mortgage pain (NZHerald)
Liam Dann: Brace yourself – big warning buried in the Reserve Bank statement (NZHerald)
November 2023
Centrix upgrade to make loan applications faster and easier (RNZ)
Centrix enhances financial data services in New Zealand (NZAdvisor)
Centrix and Envestnet | Yodlee to enhance financial data in New Zealand (CFOtech)
The businesses failing under cost-of-living pressure (Stuff)
‘Past due’ Kiwis surge to 427,000 (Business Desk)
Credit demand rebounds to pre-pandemic levels – Centrix (NZ Advisor)
Bad for business: New data shows more companies are going under (RNZ)
Struggles with debt for most Kiwis (The NZ Mortgage Mag)
Supie’s last days: The cashflow crisis behind the smiles (Newsroom)
Fears workers will lose their jobs as unemployment rate rises to 3.9 percent (Newshub)
Newsable: Tricky times might prompt wave of small new businesses (Stuff)
Supie’s last days: The cashflow crisis behind the smiles (Newsroom)
Auto loans driving up credit demand (Autotalk)
From wealth of $4m to living on noodles: ‘What is the world coming to?’ (Stuff)
October 2023
Higher mortgage arrears ‘result of Reserve Bank engineered downturn’ (Stuff)
Data shows 18,600 home loans are in arrears (Business Desk)
Back pocket squeeze: Demand for consumer and business credit rises (NZ Herald)
Why is the demand for credit rising? (Newstalk ZB)
Households managing debt as economy slows but businesses under strain (RNZ)
Large rise in number of Kiwi businesses going under (TVNZ)
Will repealing the CCCFA be enough? (Good Returns)
Elderly Māori hard-hit by rising costs as they refinance to help whānau (Newsroom)
‘Very sharp’ construction downturn likely, as residential consents slump (RNZ)
September 2023
Credit arrears and business liquidations increase towards pre-pandemic levels – Centrix (RNZ)
Borrower pain hits five-year high: Who’s being hit the hardest (NZ Herald)
Cost of living: Number of New Zealanders falling behind on credit card payments grows (Newshub)
More than 426,000 people now ‘past due’ (BusinessDesk)
Centrix reveals who is struggling the most with debt (Stuff)
August 2023
How much interest rate pain is too much to bear?
Good Shepherd NZ launches ‘Good Now, Good Later’ small loans
Stalling at the lights: Low prices, FOMO and election can’t ignite property rebound
Tricks to stop your credit card debt from snowballing
Market Watch: Why high interest rates aren’t crashing the economy … yet
Mortgage borrowing hits a high
Business defaults rise but homeowners winning battle with rising interest rates
Younger people feeling most ‘financial stress’, Centrix says
Developers increasingly defaulting on loans
New data shows company liquidations continue to climb
July 2023
Cost of living: Missed mortgage, credit repayments creep up
Demand for six types of loan tells story of economy of two halves
As home loan rates continue to rise, more households are missing repayments
By the numbers: The mortgage refixing bomb
Building firms go to the wall as housing market falls away
426,000 New Zealanders now behind on debt repayments
Households falling behind on debt repayments
One in 10 Kiwis behind on debt repayments, the highest level in four years – report
Numbers behind in debt repayments rise to highest level in four years
Kiwis nervous as mortgage interest rates go up
Companies filing for liquidation up 35% year-on-year
Mortgage arrears now at highest levels since March 2020
Mortgage delinquencies in May at highest since March 2020
Surge in Delinquent Debt Repayments Reaches Four-Year Peak
June 2023
Drop in households struggling with debt, but businesses are doing it hard
Figures show reversal in increase of arrears in mortgages for first time in eight months
Fewer people in arrears as households adjust to ‘tough times’, data shows
Kiwis getting used to high interest rates but warned not to fix for long
Home loan borrowers getting used to higher interest rates ‘new norm’
Credit stress easing, new mortgages 28% down
Editorial: Green shoots in property sector point to economic rebound
Mortgage arrears retreat for first time in eight months
Money, mortgage interest rates and how Kiwis have saved $425m
Motor Vehicle Register ‘doesn’t show what people think it does’
Some banks will be ready for open banking before May 2024
Big profits not to blame for inflation, report suggests
New Zealand is officially in a recession. These charts show how Australia compares
Buy now pay later reforms underway
Buy now, pay later provider Afterpay pushes for watered-down rules
Liquidations rising as economy worsens and Inland Revenue cracks down on tax debtors