Another mixed bag when it comes to the state of Kiwis'  finances

Centrix's April Credit Indicator shows mortgage arrears rose to 24-thousand last month, and are 7-percent higher than March last year - despite falling interest.

Consumers' overdue payments also saw a seasonal climb.

Managing Director Keith McLaughlin says personal loan arrears are back in double digits after over a year, and business liquidations are rising.

He says while businesses are balancing their books better, they're still very reliant on consumer confidence and spend.