Advisers reminded to monitor cash flow closely
They believe banks' tests are out of step with current mortgage rates
Pickup in the housing market in spring usually leads to competitive rates
Figures from RBNZ show first home buyers with less than a 20% deposit have increased significantly
With lending criteria tightening amid increasing restrictions, the role of the adviser is more important than ever
Glen McLeod from Edge Mortgages talks about the challenges facing the industry
The regulator says it failed to carry out proper due diligence and documentation checks
Leader says advisers will be crucial in planning out financial futures
It says the govt is in talks with alternative lenders, but it wants to offer the option right away