Small bank quietly offers 'crazy' home loan rates of 3.99% - lowest in four years

Offer of ultra-low one and two-year rates heralds more cuts ahead of OCR decision.

Insurers seek more clout in planning decisions

Insurers won't settle for being an afterthought in future developments.

Small Business: Hawaiian founder builds vibrant Kerikeri brand with Kaleo

Christine Makaweo talks to Tom Raynel about her small fashion business Kaleo.

Luxon's catch up with China: What it means for New Zealand politics

Royal turmoil: What’s next for the Windsors?

MetService Severe Weather Update: Monday 03 November

Watch Live: Christopher Luxon in studio with Mike Hosking

Herald Hat-trick sports quiz: November 4

Morning quiz: Cirque du Soleil started in what country?

Sudoku - test yourself

Crosswords

Toni Street on creating confidence: 'If I’m too smiley, you can just suck it up'

Why the debate over fireworks gets louder every year

The scarcity secret to Bitcoin's success

How new biometric privacy rules will change what businesses must disclose

‘The decision is not clear’: Lawson on F1 seat fight ahead of Brazil GP

The 23-year-old Kiwi says he just has to keep performing on the track.

Melbourne Cup 2025: All you need to know

Melbourne Cup day is upon us.

How rugby-focused schools have dropped the ball on academic endeavour

One school has won five national First XV titles and one world crown.

Herald Hat-trick sports quiz: November 4

Can you get a hat-trick?

Small bank quietly offers 'crazy' home loan rates of 3.99% - lowest in four years

Love It Or List It home sells fast after getting sharp asking price

Burt Reynolds wouldn’t leave: Famous Lake Taupō Lodge for sale

Capital gains tax bombshell: Three important things to keep in mind

Out of gas and ideas? With gas supplies drying up, govt bets on chance instead of transition help

As supplies shrink and prices surge, where's the plan for the coming gas supply crisis?

Peter Griffin: When the cloud crashes

As most Kiwis slept, digital mayhem was unleashed on internet users around the world.

Guillermo del Toro’s Frankenstein is a five-star monster triumph

Guillermo del Toro has created a throwback for the ages.

Book of the Day: The Matchbox Girl by Alice Jolly

A child’s-eye view of Hans Asperger and the notorious children’s clinics of WWII Vienna.

Sponsored: Reduce reno waste to save money

Planning and preparation are everything.

How a busy mum of two slashed her weekly grocery bill

In the lead-up to Christmas, an extra $44 per week can mean a lot.

Sponsored: Big ideas for tiny bathrooms

Temperature, air flow and humidity are key factors in any bathroom reno.

Sponsored: Pastels evolution - from sweet to grown up

Mix and match colours to create drama and personality.