Advocacy – World Post Day Statement — Palestine Forum of New Zealand

Source: Palestine Forum of New Zealand

Today, on World Post Day, we reflect on the power of communication to connect people, bridge distances, and uphold the dignity of every human being.
But for Palestinians, communication is not just a service; it is a struggle.

For decades, the Palestinian people have faced blockades, occupation, and systemic restrictions that limit their ability to send and receive mail freely. Letters are delayed, censored, or intercepted. Families are cut off. Identity documents, educational certificates, medical records, and even love letters have been held hostage by a system designed to control movement and silence a people.

While the world celebrates the free flow of mail, Palestine remains cut off its voice obstructed.
True communication requires freedom, dignity, and justice.

On this World Post Day, we stand in solidarity with the Palestinian people and reaffirm the right of every person to speak, to connect, and to be heard.
Freedom of communication must not be a privilege; it is a human right.

 From every corner of the world, may our messages continue to break the walls of silence.

Palestine Forum of New Zealand

Amnesty International – Discriminatory migration system fails Pacific People facing climate change and disasters

Source: Amnesty International Aotearoa New Zealand

Discriminatory migration system fails Pacific People facing climate change and disasters – Authorities in Aotearoa New Zealand are failing people most at risk of climate-related harm in the Pacific islands, subjecting them to discriminatory migration policies that tear families apart and disregard children’s rights, Amnesty International said in a new report published today.
The report, Navigating Injustice: Climate Displacement from the Pacific Islands of Tuvalu and Kiribati to Aotearoa New Zealand, exposes how Aotearoa New Zealand’s lottery-based migration schemes for those living in Pacific Island Countries affected by climate change and other disasters exclude people based on their age, disability and health conditions, violating international human rights law. It also explores the stories of the Pacific People who are left with little choice but to “overstay” their visas in Aotearoa New Zealand and remain at risk of deportation.
Amnesty International’s recommendations to the Aotearoa New Zealand Government are to help people to migrate with dignity or, if they choose, to stay on their islands with dignity. This includes establishing rights-based humanitarian visas for people impacted by climate change and disasters that prioritise those who are unable to meet the existing immigration requirements, suspending all deportations to Tuvalu and Kiribati, ensuring migrations laws are non-discriminatory, ensuring the right to an adequate standard of living for all people with irregular migration status, rapidly phasing out all fossil fuel use and scaling up funding for climate adaptation, mitigation, loss and damage.
Fala Haulangi grew up on Nanumea, in Tuvalu, and migrated to Aotearoa New Zealand in 1989. She said, “Where there’s a will, there’s a way. The Government can do it. Why don’t we start now, so we’ve got a clear pathway for people to come here? So they don’t have to live here and look around and be scared because they’re not permanent residents. So when they go see a doctor, they don’t have to keep piling up all this debt.
“It’s not fair at all. Quite a lot of my people want to come here, but at the same time, they don’t want to leave their loved ones back home. Put yourself in their place. Are you really going to abandon your loved ones back home? Your disabled mother, or brother, or sister, or child?
“To me, sometimes we need to have a deeper look at ourselves. The question is, where’s the human heart here? Who’s going to look after my parents, who are elderly? But at the same time, I want to have a better future for my children.”
Discriminatory migration system
Over recent years, as climate change and disasters deepen social inequalities and economic hardship across the Pacific, many have felt their best option is to migrate. For many Tuvaluans and I-Kiribati, Aotearoa New Zealand is the most viable destination given the countries’ close historic and cultural ties.
However, Aotearoa New Zealand’s migration pathways do not consider the effects of climate change and disasters. This includes the Pacific Access Category Resident Visa (PAC), which provides permanent residency to a limited number of nationals of Kiribati, Tuvalu, Tonga and Fiji.
Charles Enoka Kiata grew up on Tarawa, in Kiribati, and migrated to Aotearoa New Zealand through the PAC scheme in 2002. Charles said, “People from Kiribati can come to New Zealand through work visas, study visas, on medical grounds, and through the PAC and the Recognised Seasonal Employer (RSE) schemes.
“But our people are facing the threat of climate change. I would like to see a fair pathway towards migration under these climate impacts. A pathway that respects the integrity and the culture of our people.”
The PAC scheme is only available to people between 18 and 45 years of age, who can secure a job offer and prove they have an “acceptable standard of health”. This excludes anyone with impairments that are associated with a disability, as well as anyone living with certain medical conditions perceived to represent a cost for Aotearoa New Zealand.
Amnesty International met with several individuals with disabilities and their families, who were separated because of the visa requirements.
Alieta (not her real name), a teacher and mother from Tuvalu with a visual impairment, had to remove her name from her family’s PAC application to enable her six-year-old daughter and husband to go to Aotearoa New Zealand in 2016. She has been separated from them ever since.
Talking about the impact of climate change, Alieta explained: “When the high tide came, the whole road and the house flooded (…) that’s why I want to move away from the sea.” She said that she agreed to her daughter going to New Zealand because she wants a better life for her, even though she finds it very hard to be apart.
“In the beginning I was not angry at New Zealand. I kept on asking for a visa… But I am sad for my daughter. I didn’t want to be separated from my daughter. It is hard on children.”
The climate crisis threatens a host of human rights, including the right to life, health, an adequate standard of living and the right to a clean, healthy and sustainable environment. People with disabilities are disproportionately impacted by the climate crisis and face increased risks during climate-induced extreme weather events.
Pakilau Manase Lua was born in Tonga and migrated to Aotearoa New Zealand in the mid-1970’s. Manase said, “Pacific people are wearing the cost of industrialisation. Our lands are disappearing. And that's not our fault.
“Humanity deserves a place to be humans. And you can't be a human and live and thrive if your islands are under threat.
“Within our Pasifika communities, there is a group that is hit even more. People with disabilities, people who have chronic health disease, they have a really, really tough time getting here.”
Deteriorating conditions in Tuvalu and Kiribati
Tuvalu and Kiribati – on average two metres above sea level – are particularly exposed to the effects of sea level rise. Coastal erosion, floods and droughts, as well as water and soil contamination and salinisation, dramatically limit the availability of drinking water and land to grow food and build homes. This is having a severe impact on people’s health, particularly older people and those living with disabilities.
Aleki, who lives with her husband, her four children and her sister’s family in Funafuti, Tuvalu’s capital, told Amnesty International that obtaining clean drinking water has become a challenge: “We take buckets and go to the government building for filtered water every day for drinking.”
Soil contamination from salty water, which renders it unusable for growing most crops, is such an issue in Kiribati that the island is now nearly entirely dependent on imported food, which is often limited in variety and prohibitively expensive.
A 56-year-old I-Kiribati woman told Amnesty International: “In Kiribati you hardly find good food. You can find only rice and canned stuff. You don't have vegetables or stuff like that. We don’t grow our food at home. There are heat waves, droughts and king tides and they have destroyed all these plants.”
Risking deportation from Aotearoa New Zealand
The situation is also precarious for people who manage to reach Aotearoa New Zealand and fall into irregular status after their visas expire. With no access to dedicated protection mechanisms, those in this situation live with the constant fear of deportation, and are unable to access public services, including healthcare and education.
Under international human rights law, everyone has the right to be protected against forcible removal to a place where they would be at real risk of serious human rights violations, including due to climate change and disasters. The International Court of Justice clearly reaffirmed this in its July 2025 Advisory Opinion on the Obligations of States in respect of Climate Change.
Amnesty International is calling on Aotearoa New Zealand to urgently reform its immigration policies to align with a rights-based approach to climate displacement. In doing so, the government must develop and implement policies consistent with Te Tiriti o Waitangi and Indigenous Peoples’ rights.
Manase said, “I’m a child of the Dawn Raids. The government unfairly targeted Pacific people. A better solution would have been about providing a pathway to residency for these people.
“The governments of this world, particularly in our industrialised nations and more developed countries, have an opportunity to do the right thing. So I want to put a challenge out, a wero. I'm asking and pleading governments to please remember your humanity when it comes to people. What a history and a legacy that will be for our future generations, if they knew this generation cared enough to do that.”
Standing with the Pacific
The report details how communities have shown extraordinary resilience, pursuing adaptation and mitigation strategies to safeguard human rights and guarantee that people can remain on their lands. However, the scale and urgency of the threat requires far greater international cooperation and support. And many people struggling to get by in places where it is increasingly hard to live a dignified life see migration as a necessary part of adaptation.
Jacqui Dillon, Executive Director of Amnesty International Aotearoa New Zealand, said, “It is a stark injustice that Aotearoa New Zealand is a high income, high emitting country, failing to do the right thing to help our Pasifika whānau stay on their islands or migrate with dignity.
“We have both a duty of care and a debt of gratitude owed. For decades, Aotearoa New Zealand has profited from industry and manufacturing built on the backs of people from across the Pacific. Their immense contribution, the richness of their cultures, and their economic and social participation must be honoured by our government through provision of not only economic investment but humanitarian pathways enabling choice and human dignity.
“We may have apologised for the Dawn Raids, but in 2025, our treatment of Pacific People remains shockingly inhumane. Right now, it’s important that not only Amnesty International, but every New Zealander stand alongside them in this fight for justice.”
Notes:
The report Navigating Injustice: Climate Displacement from the Pacific Islands of Tuvalu and Kiribati to Aotearoa New Zealand is available herehttps://cdn.sanity.io/files/ysiap3nf/production/4217e9e23865d4126d685a9a6600ec234224481b.pdf

Aotearoa New Zealand: Discriminatory migration system fails climate-affected Pacific People – Amnesty International

Source: Amnesty International

Authorities in Aotearoa New Zealand are subjecting people in the Pacific islands of Tuvalu and Kiribati at risk of climate related harm to discriminatory migration policies that tear families apart and disregard children’s rights, Amnesty International said in a new report published today, one month before the UN Climate Change Conference COP 30.

The report, Navigating Injustice, exposes how Aotearoa New Zealand’s lottery-based migration schemes for people living in climate-affected Pacific Island countries exclude people based on their age, disability and health conditions, violating international human rights law. It also explores the stories of the Pacific People who are left with little choice but to “overstay” their visas in Aotearoa New Zealand and remain at risk of deportation.

“Pacific People are being punished twice – first by a climate crisis they did not cause, and then by discriminatory migration systems that violate their rights,” said Agnès Callamard, Amnesty International’s Secretary General.

Discriminatory migration system

Over recent years, as climate change and disasters deepen social inequalities and economic hardship across the Pacific, many have felt their best option is to migrate. For many Tuvaluans and I-Kiribati, Aotearoa New Zealand is the most viable destination given the countries’ close historic and cultural ties.

However, the country’s migration pathways do not take into account the effects of climate change and disasters. This includes the Pacific Access Category Resident Visa (PAC), which provides permanent residency to a limited number of nationals of Kiribati, Tuvalu, Tonga and Fiji.

The PAC scheme is only available to people between 18 and 45 years of age, who can secure a job offer and prove they have an “acceptable standard of health”. This excludes anyone with impairments that are associated with a disability, as well as anyone living with certain medical conditions perceived to represent a cost for Aotearoa New Zealand.

“For many people in Tuvalu and Kiribati, staying or leaving is not a matter of choice but survival,” Agnès Callamard said. “Pacific Island communities have shown extraordinary resilience in pursuing adaptation and mitigation strategies to enable people to remain on their lands, but the Aotearoa New Zealand government needs to do more to support them, without discrimination.”

Amnesty International met with several individuals with disabilities and their families, who were separated as a result of the visa requirements.

Alieta, a teacher and mother from Tuvalu with a visual impairment, had to remove her name from her family’s PAC application to enable her six-year-old daughter and husband to go to Aotearoa New Zealand in 2016. She has been separated from them ever since.

Talking about the impact of climate change, Alieta explained: “When the high tide came, the whole road and the house flooded… that’s why I want to move away from the sea.” She said that she agreed to her daughter going to New Zealand because she wants a better life for her, even though she finds it very hard to be apart.  

“In the beginning I was not angry at New Zealand. I kept on asking for a visa… But I am sad for my daughter. I didn’t want to be separated from my daughter. It is hard on children.”

Agnès Callamard said: “It is simply unacceptable for a high emitting country like Aotearoa New Zealand to claim it cannot take people apparently due to the cost they could generate, especially knowing that people with disabilities face increased risks during climate-induced extreme weather events.”

Deteriorating conditions in Tuvalu and Kiribati

Tuvalu and Kiribati – on average two metres above sea level – are particularly exposed to the effects of sea level rise. Coastal erosion, floods and droughts, as well as water and soil contamination and salinisation, dramatically limit the availability of drinking water and land to grow food and build homes. This is having a particularly severe impact on people’s health, particularly older people and those living with disabilities.

Aleki, who lives with her husband, her four children and her sister’s family in Funafuti, Tuvalu’s capital, told Amnesty International that obtaining clean drinking water has become a challenge: “We take buckets and go to the government building for filtered water every day for drinking.”

Soil contamination from salty water, which renders it unusable for growing most crops, is such an issue in Kiribati that the island is now nearly entirely dependent on imported food, which is often limited in variety and prohibitively expensive.

A 56-year-old I-Kiribati woman told Amnesty International: “In Kiribati you hardly find good food. You can find only rice and canned stuff. You don't have vegetables or stuff like that. We don’t grow our food at home. There are heat waves, droughts and king tides and they have destroyed all these plants.”

Risking deportation from Aotearoa New Zealand

The situation is also precarious for people who manage to reach Aotearoa New Zealand and fall into irregular status after their visas expire. With no access to dedicated protection mechanisms, those in this situation live with the constant fear of deportation, and are unable to access public services, including healthcare and education.

Under international human rights law, everyone has the right to be protected against forcible removal to a place where they would be at real risk of serious human rights violations, including due to climate change and disasters.

“Amnesty International is calling on Aotearoa New Zealand to urgently reform its immigration policies to align with a rights-based approach to climate displacement. In doing so, the government must develop and implement policies consistent with Te Tiriti o Waitangi and Indigenous Peoples’ rights,” Agnès Callamard said.

This would include offering dedicated humanitarian visas that prioritize those who are unable to meet the existing immigration requirements, to ensure the rights, including family unit, of those migrating. Dedicated protection mechanisms against deportation are also needed, including suspension of deportations for nationals of Tuvalu and Kiribati.

“Aotearoa New Zealand – and the international community at large – must act now to protect, respect and promote the rights and dignity of Pacific People in the face of the climate crisis, both at home and in their country of destination. Anything less is a betrayal of our shared responsibility to uphold human rights and ensure climate justice,” Agnès Callamard said.

“Taking action on climate change and displacement is no longer a political choice but a legal obligation. The Pacific is sounding the alarm. If the world fails to act here, it will fail everywhere.”

Household labour force survey estimated working-age population: September 2025 quarter – Stats NZ information release


Evidence shows rising risks to coasts and communities: Our Marine Environment 2025 – New Zealand’s environmental reporting series: Our Marine Environment 2025 – Stats NZ news story and information release


Cotality OCR Analysis – RBNZ goes for front-loaded easing

Source: Commentary by Chief Property Economist Kelvin Davidson, Cotality

The Reserve Bank’s Monetary Policy Committee cut the official cash rate (OCR) by 0.5% today, taking it down to 2.5%. There was no debate about whether we’d see a cut today. The only question was the size and, in the event, they opted for ‘front-loaded’ easing.
This was a Monetary Policy Review month, as opposed to the full Statement with accompanying in-depth commentary and forecasts, but even so we still got enough detail today to show that economic weakness and spare capacity remain the key concerns – running the risk that inflation undershoots the 1-3% target band sometime down the track.
As such, the bigger, front-loaded 0.5% cut was probably seen as the least-regrets option, rather than a more ‘wait and see approach’ of only cutting by 0.25%. Note that the Committee discussed both options but reached a consensus for the larger cut. We’ll need to see how the economy evolves over the next few weeks, but another fall on 26th November is possible too.
The immediate, direct housing market effects from today’s decision aren’t likely to be massive. After all, the banks had already been cutting their mortgage rates in advance, particularly for one-year fixed loans. And although the effects of this will progressively flow through to borrowers in the coming weeks and months, the subdued labour market is the key restraint on the other side of the equation at present – and it will be slower to start improving; maybe not until next year.
All in all, it’s taking a lot of work to get this economy turning around and today’s decision will hopefully be the ‘shock treatment’ required to get everyone back into gear. The recent green shoots we’ve been seeing should emerge fully in 2026, and as unemployment starts to drop again, it seems likely we’ll see house prices rise next year.
But the debt to income ratio caps are one reason to be cautious about the size and speed of medium-term growth in property values.

Finance – ASB trims interest rates for customers

Source: ASB

ASB is reducing interest rates across its variable lending products in response to RBNZ's OCR announcement.

ASB’s Executive General Manager Personal Banking Adam Boyd says “We know New Zealanders are navigating an uncertain economic outlook, but we are seeing encouraging signs. These cuts to our variable rates, along with our fixed rate changes last week, will benefit households and businesses across the country.”

Some savings products including Savings on Call and Savings Plus will reduce by between 35 and 50 basis points in response to today’s OCR announcement. 

 

Home Loan* 

Current Rates 

New Rates 

Rate Change 

Housing Variable 

6.29%

5.99%

-0.30%

Orbit Variable

6.39% 

6.09%

-0.30%

Back My Build 

3.84% 

3.54%

-0.30%

 

*These changes are effective from Friday 10th October for new home loan customers and Wednesday 15th October 2025 for existing home loan customers.

 

Savings *

Band 

Current Rates 

New Rates 

Rate Change 

Savings On Call & ASB Cash Fund

All Balances 

0.45% 

0.10%

– 0.35%

Savings Plus 

Base Rate

0.30%

0.05%

– 0.25%

 

Reward Rate

1.90%

1.75%

– 0.15%

 

Combined Base and Reward Rate

2.20%

1.80%

– 0.40%

Headstart

All Balances

2.50%

2.00%

– 0.50%

 

*These changes are effective from Wednesday 15th October 2025, except Savings Plus Reward Rate which is effective from November 1st 2025 for new and existing customers.

 

ASB has practical information for customers on the current interest rate environment available on its website as well support to help customers take control of their financial wellbeing and achieve their goals at its Financial Wellbeing Hub. 

Energy Sector – Better bills will help consumers find better plans, says Electricity Authority

Source: Electricity Authority

The Electricity Authority Te Mana Hiko says proposed changes to simplify electricity bills will make it easier for consumers to find the right plan for them and pay less for power.
The Authority is asking for feedback on changes to give people more choice, more control and better value on their electricity.
“Everyone should have access to affordable electricity,” says Electricity Authority Chief Executive Sarah Gillies. “We want every New Zealander to know if they’re on the best plan for them, and be able to easily compare their plan and switch power companies.”
The changes proposed in Improving electricity billing in New Zealand would provide people with the information they need to easily compare and switch plans, and lay the foundations for future smart services. The proposed changes would make bills consistent, easy to read and more useful to consumers.
Importantly, power companies would also be required to check in with their customers every six months and advise if there’s a better plan for them based on their use. Customers trialling time-of-use plans would be better protected as the changes would introduce a review after three months with the option to return to their old plan – or switch to a better one – if they’re not saving money. Any penalty for changing plans with the same provider would be removed.
Back bills, or catch-up bills, which can cause ‘bill shock’, would also be limited by capping how far back retailers can charge. This protection would also be extended to small businesses.
“A large, unexpected bill can be a real shock on budgets and stress levels, especially for those already under financial pressure. As well as consumers facing energy hardship, we’re acutely aware that many small businesses are also doing it tough. We want to protect consumers and small businesses from those sudden and unmanageable costs,” Gillies said.
A lack of standardised data has been a barrier to helping consumers access the best plan for them. Following consultation, the Authority has decided to replace voluntary Electricity Information Exchange Protocol 14 (EIEP14) with a regulated, modular suite of new protocols. The Authority also proposes a new system that assigns a unique code to every retail electricity plan, so they can be easily compared.
“Bills should not be confusing, and you shouldn’t have to be an energy expert to get the best deal. Whether you’re hands-on or hands-off, you’ll benefit from a more transparent and consumer-focused electricity system,” Gillies said.
We welcome your feedback on Improving electricity billing in New Zealand proposal by 5pm, 5 November and the Proposed Code amendments to improve access to electricity product data proposal by 5pm, 18 November.
A simplified version of the billing proposal is available also herehttps://www.ea.govt.nz/documents/8455/Better_bills_booklet.pdf
Notes:
Summary of key improvements proposed
  • Make bills easier to understand through standardised content, plain-language and a logical lay-out
  • Give residential consumers the information they need to compare plans across the entire electricity market
  • Enable consumer mobility with better plan prompts, risk-free time-of-use adoption, and prohibiting switching penalties when staying with the same retailer
  • Protecting residential and small business consumers by limiting back bills and avoiding bill shocks from estimated meter readings.
How this relates to the Authority’s other work
The billing proposal is a cornerstone of the Electricity Authority’s consumer mobility workstream, focused on delivering more choice, more control and better value for consumers.
The proposed changes would provide information essential to compare, switch and lay the foundations for future services − such as AI-driven tools, smart home systems that optimise energy use in real time and new digital platforms that will help consumers save money and time.
Supporting consumers to have their say
We’ve designed a consumer survey and a simple, clear version of the information to support consumers to understand the proposed changes and have their say. People can also email their feedback to consumer.mobility@ea.govt.nz or post it to Electricity Authority, PO Box 10041, Wellington 6143.  
The Electricity Authority is an independent Crown Entity with the main statutory objective to promote competition in, reliable supply by, and the efficient operation of, the electricity industry for the long-term benefit of consumers. The additional objective of the Authority is to protect the interests of domestic consumers and small business consumers in relation to the supply of electricity to those consumers.

Local News – Metropolitan Water Services Delivery Plan accepted by Government

Source: Porirua City Council

The plan for delivering water services to metropolitan Wellington residents and businesses through a new organisation with new funding and governance arrangements has been accepted by the Department of Internal Affairs.
The Metropolitan Wellington Water Services Delivery Plan was submitted by five councils – Hutt City, Porirua City, Upper Hutt City, Wellington City and Greater Wellington – as required under the Government’s Local Water Done Well policy and legislation.
The plan is based on establishing a new multi-council-owned water organisation in partnership with mana whenua iwi Ngāti Toa Rangitira and Taranaki Whānui ki Te Upoko o Te Ika. The new organisation, with the interim name Metro Water, will operate from 1 July 2026.
The Water Services Delivery Plan (WSDP) says that Metro Water will have the resources, independence and region-wide perspective to effectively manage and improve drinking water, wastewater and piped stormwater services for current and future communities, rather than being limited by council funding, electoral and decision-making cycles.
Transition planning is progressing.
A joint Partners’ Committee will be established to oversee Metro Water, made up of representatives from each partner council and mana whenua.
The foundation governance documents for Metro Water , including the constitution and partners' agreement, will be presented to each of the five partner councils for approval in December 2025.
Wellington Water Limited will continue to deliver water services on behalf of councils under the current model until Metro Water takes over on 1 July 2026.
The WSDP is available on council websites Metro_Wellington_WSDP_29082025.pdf

Economy – OCR Decision – Comments from Finance and Mortgage Advisers Association of New Zealand

Source: Finance and Mortgage Advisers Association of New Zealand (FAMNZ)

Comments from Finance and Mortgage Advisers Association of New Zealand (FAMNZ) managing director Peter White AM – RBNZ interest rate decision

“Consumers have been waiting for this, and every rate cut improves affordability for mortgage holders, which is a positive step.

“However I would urge those who can afford to keep up their current level of repayments to do so, as this will protect them and give them a buffer when rates rise again. Every dollar paid over the principal saves interest in the long run.

“Today’s Reserve Bank decision also increases the borrowing capacity of prospective homebuyers, enabling more to step into the market.

“With lower repayments, many existing owners will have questions around possible refinancing options, and I’d encourage them to see a mortgage adviser to provide the best advice and ensure their interests are looked after.”

“Make sure your bank passes on the rate cut in full and quickly, and if they don’t you should call them. If they can’t help you it may be time to look elsewhere.

“It is a competitive market and each lender has different products. The important things is to ensure your mortgage is best suited to your individual circumstances and goals.

“Mortgage advisers not only focus on what is best for you, but have access to a wide range of products not available through traditional lenders.”