2025 Editor's Choice Awards
We Recognise New Zealand's Leading Financial Products and Services in this Dedicated Guide.
Updated 17 June 2025
Our Awards. And Why They Matter.
Our Editor's Choice Awards Highlight the Best Products from MoneyHub's Research and Guides
Our Awards. And Why They Matter.
- At MoneyHub, we believe you deserve to know about the best-of-the-best financial products and services. Our renowned research team takes the utmost care in helping everyday New Zealanders understand the options available for all their money needs.
- Our awards are not based on 'surveys' or 'reader views'. We don't award 'star ratings' or 'medals'. Instead, we read the small print, interpret performance and compare fees and rates to determine the best financial products available.
- Our awards are at a granular level - there's no confusion about what they mean. This lets you identify what we believe are the best products, most innovative offerings and top services as of June 2025.
Our Editor's Choice Awards Highlight the Best Products from MoneyHub's Research and Guides
- Our Editor's Choice Awards 2025 result from countless research hours going into every MoneyHub guide.
- We’re proud to publish our exclusive list of the best financial products New Zealand has to offer.
- We cover credit cards, insurance, KiwiSaver, lending, consumer finance, banking and investment platforms; each of our winners has earned our utmost respect.
2025 Editor's Choice Awards
Our Editor's Choice Awards cover nine categories:
1. Investment Platforms
There have never been more investment platforms and tools available. Our favourite platforms below stand out where it matters and aim to grow your wealth long term with innovative and cost-effective offerings.
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Favourite Index Fund Platform - KernelOur view:
MoneyHub's editor Christopher Walsh says: "Is there a more proactive online fund manager than Kernel? We've been super impressed since their innovative 2019 launch, and five years later with over 1 billion dollars invested, they are not slowing down their introduction of funds and features. Beyond various index funds, they also offer a cash fund (PIE, of course) that lets investors park their money and earn interest, something you won't see on some popular share apps, and the launch of new funds that cover what's important. Kernel is committed to low fees, education and fund choice – we love what we've seen and feel there's much more to come". |
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Favourite Fund Innovation - The InvestNow Foundation SeriesOur view:
MoneyHub's editor Christopher Walsh says: "InvestNow offers Vanguard funds with fees that align with the underlying Vanguard ETFs; investors can take advantage of Vanguard’s super low annual fees. Furthermore, because they're Portfolio Investment Entity (PIE) funds, investors earning at higher tax rates can benefit from tax efficiencies compared to directly investing in the same Vanguard ETFs. The fee structure of the two Foundation Series Funds is highly beneficial for those investors with a multi-year investment horizon, as the benefits of the super-low annual management fees, competitive one-off transaction fees alongside the tax advantages of the PIE structure means that the after-fees-and-tax returns (or the returns that you as an investor get to keep) will be some of the highest out of all Vanguard investment options available to New Zealanders". |
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Favourite Boutique Funds Manager - Pie FundsOur view:
Pie Funds has carved out a reputation as New Zealand's leading boutique fund manager, offering actively managed funds that focus on delivering strong risk-adjusted returns. With a track record of outperforming benchmarks and a commitment to transparent communication, Pie Funds appeals to investors seeking professional fund management with a personal touch. Their funds cover both New Zealand and global markets, with particular strength in growth-oriented strategies. MoneyHub's editor Christopher Walsh says: "Pie Funds represents the best of boutique fund management in New Zealand. Their team's ability to deliver market-beating returns while maintaining reasonable fees sets them apart from larger, more institutional managers. We particularly appreciate their clear communication style and willingness to explain their investment decisions to investors. For those seeking active management with a proven track record, Pie Funds continues to demonstrate why boutique can mean better." |
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Favourite Ethical Fund Manager - PathfinderOur view:
MoneyHub's editor Christopher Walsh says: "Pathfinder proves that you don't have to sacrifice returns to invest ethically. Their funds have delivered strong performance while maintaining strict ethical standards. We respect their unwavering commitment to their principles and their transparency about what they invest in and why. For investors who want their money to align with their values, Pathfinder remains the gold standard." |
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Favourite Investing Platform for Asian Markets - Tiger Brokers (NZ)Our view:
Tiger Brokers (NZ) provides unparalleled access to Asian markets, offering direct trading in Hong Kong, Singapore, and China A-Shares alongside traditional US markets. This makes it the go-to platform for New Zealand investors looking to diversify into high-growth Asian economies. The platform's multi-market capability, combined with competitive pricing and comprehensive research tools, sets it apart from competitors who focus primarily on US markets. MoneyHub's editor Christopher Walsh says: "Asian markets represent some of the world's fastest-growing economies, but access has traditionally been limited and expensive for New Zealand investors. Tiger Brokers changes that by providing direct, low-cost access to these markets with the same ease as trading US stocks. Their research and market data for Asian markets is particularly strong, helping investors make informed decisions in markets that can be unfamiliar to New Zealand investors." |
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Favourite Investing Platform for Customer Support - Tiger Brokers (NZ)Our view:
Tiger Brokers (NZ) stands out in an industry where customer support is often an afterthought. Their New Zealand-based support team understands local market conditions and regulatory requirements, providing prompt and knowledgeable assistance. Unlike many global platforms that treat New Zealand as a minor market, Tiger Brokers has invested in local support infrastructure that genuinely helps when investors need assistance. Think live-chat and a team that answers questions clearly with an unrivalled focus. MoneyHub's editor Christopher Walsh says: "Good customer support in online investing is rare, which makes Tiger Brokers' commitment to service so valuable. Their support team actually understands the products they're supporting and can provide meaningful help rather than just reading from scripts. In a market where many platforms leave you feeling like you're on your own, Tiger Brokers provides the reassurance that help is available when you need it." |
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Favourite Low-Cost Shares Platform - Tiger Brokers (NZ)Our view:
MoneyHub's editor Christopher Walsh says: "Tiger is focused on US investing, and at a time when some other platforms have raised their fees, Tiger Brokers is around half the cost of its nearest competitor for stock trades. Unlike overseas apps, which can offer even cheaper fees, Tiger Brokers is one of the few global players regulated and licenced in New Zealand. It focuses on delivering low fees to global market investors looking to build wealth." |
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Favourite US Investing Platform - Tiger Brokers (NZ)Our view:
MoneyHub's editor Christopher Walsh says: "Tiger is focused on US investing, and at a time when some other platforms have raised their fees, Tiger Brokers is around half the cost of its nearest competitor for stock trades. Unlike overseas apps, which can offer even cheaper fees, Tiger Brokers is one of the few global players regulated and licenced in New Zealand. It focuses on delivering low fees to global market investors looking to build wealth." |
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Favourite Crypto Exchange - Easy CryptoOur view:
MoneyHub's editor Christopher Walsh says: "MoneyHub is risk-averse in every way, but we realise the need for New Zealanders to know about safe and trusted cryptocurrency platforms. Easy Crypto stands out as the most accessible to the wider New Zealand, removing the need for large buy-ins or foreign exchange conversions. While we would never advocate cryptocurrency as an investment, Easy Crypto provides a secure and low-fee platform to anyone wanting to get exposure to this popular (but unproven) asset class". |
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Favourite Crypto Wallet - Easy CryptoOur view:
Easy Crypto's wallet service provides a secure, user-friendly solution for storing cryptocurrency purchased through their platform. Unlike complex hardware wallets that intimidate newcomers, Easy Crypto's wallet balances security with accessibility. The integration with their trading platform means users can seamlessly move between buying, selling, and storing cryptocurrency without the friction typically associated with crypto transactions. MoneyHub's editor Christopher Walsh says: "Cryptocurrency storage is often the biggest barrier for new investors, with horror stories of lost keys and hacked exchanges. Easy Crypto's wallet service removes this complexity while maintaining security standards. For New Zealanders taking their first steps into cryptocurrency, having a trusted, local provider handle both the purchase and storage removes significant barriers to entry." |
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Favourite Forex Trading Platform - BlackBull MarketsOur view:
BlackBull Markets has established itself as New Zealand's premier forex trading platform, offering institutional-grade trading infrastructure with retail accessibility. Their tight spreads, fast execution, and comprehensive trading tools appeal to both newcomers and experienced traders. Being New Zealand-based and regulated provides additional confidence for local traders in a market often dominated by offshore providers. MoneyHub's editor Christopher Walsh says: "Forex trading requires a platform you can trust with fast execution and competitive pricing. BlackBull Markets delivers on both fronts while being locally regulated and operated. Their commitment to education and trader development, combined with institutional-quality infrastructure, makes them our preferred choice for New Zealanders looking to trade currencies professionally." |
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Favourite High-Speed Trading Broker - BlackBull MarketsOur view:
BlackBull Markets' high-speed trading infrastructure rivals that of major international brokers, offering millisecond execution times and direct market access. Their technology platform is designed for serious traders who require institutional-grade speed and reliability. The combination of advanced trading tools, competitive pricing, and local regulation makes them the standout choice for active traders in New Zealand. MoneyHub's editor Christopher Walsh says: "High-speed trading isn't just about technology - it's about reliability when it matters most. BlackBull Markets has invested heavily in infrastructure that ensures orders are executed quickly and accurately, even during volatile market conditions. For traders where every millisecond counts, BlackBull Markets provides the edge that can make the difference between profit and loss." |
2. KiwiSaver Schemes and Funds
KiwiSaver is our favourite investment product for so many reasons. We believe there is only upside for anyone who joins and contributes. The KiwiSaver plans and schemes below stand out where it matters and offer funds that set them apart from a very crowded market.
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Favourite KiwiSaver Innovation - InvestNow KiwiSaver SchemeOur view:
MoneyHub's editor Christopher Walsh says: "There's a lot to like about InvestNow KiwiSaver, and we believe it has strong appeal for the DIY investor types who want more control of where their money goes. We also like that InvestNow doesn't charge the annual membership or administration fee and gives access to exclusive fund managers who don't offer their funds to KiwiSaver outside of InvestNow members". |
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Favourite Low-Fee KiwiSaver Scheme - SimplicityOur view:
MoneyHub's editor Christopher Walsh says: "Simplicity is, at its heart, a charity committed to its investors (to minimise fees and maximise returns) while redistributing a non-insignificant amount of money month after month. Simplicity is a popular KiwiSaver scheme which means as people contribute to it, funds under management (i.e. total invested money) will increase. This will compound the dollar amount it can donate and means great things for the charities Simplicity supports". |
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Most Charitable KiwiSaver Scheme - SimplicityOur view:
MoneyHub's editor Christopher Walsh says: "Simplicity is, at its heart, a charity committed to its investors (to minimise fees and maximise returns) while redistributing a non-insignificant amount of money month after month. Simplicity is a popular KiwiSaver scheme which means as people contribute to it, funds under management (i.e. total invested money) will increase. This will compound the dollar amount it can donate and means great things for the charities Simplicity supports". |
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Favourite Wealth-Creation Focused KiwiSaver Scheme - Koura KiwiSaver SchemeOur view:
Koura KiwiSaver takes a refreshing approach to wealth creation, focusing on long-term growth strategies that aim to maximise returns for members. Their investment philosophy emphasises quality companies and patient capital deployment, with a track record that demonstrates their commitment to building wealth over time. The scheme offers competitive fees while maintaining a clear focus on generating superior returns. MoneyHub's editor Christopher Walsh says: "Koura KiwiSaver understands that KiwiSaver is fundamentally about wealth creation for retirement. Their disciplined investment approach and focus on quality growth companies has resulted in strong performance across market cycles. We appreciate their clear communication about investment strategy and their commitment to keeping fees competitive while delivering superior returns. For members focused on maximising their retirement wealth, Koura represents a popular choice." |
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Favourite Ethical KiwiSaver Scheme - Pathfinder KiwiSaver SchemeOur view:
What sets Pathfinder apart is their genuine integration of ethical principles into every investment decision, not just a superficial ESG overlay. Their Growth Fund has consistently delivered impressive returns while maintaining strict ethical standards, demonstrating that investors can uphold their principles without sacrificing performance. Pathfinder's transparent reporting shows exactly where your money is invested and why, giving members confidence that their retirement savings are helping to build a better world. MoneyHub's editor Christopher Walsh says: "Pathfinder didn't jump on the ethical investing bandwagon - they built it. While other KiwiSaver schemes have added ESG credentials as a marketing exercise, Pathfinder has been walking the talk since day one. Their Growth Fund's outstanding three-year performance demolishes the myth that ethical investing means accepting lower returns. What we love most about Pathfinder is its authenticity. They're not just screening out 'bad' companies - they're actively seeking investments that create positive change. When you invest with Pathfinder, you're not just building your retirement wealth; you're contributing to solutions for climate change, social inequality, and environmental degradation. In a world where many financial products feel disconnected from real-world impact, Pathfinder proves that your KiwiSaver can be a force for good while delivering the returns you need for retirement." |
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Favourite Member-Focused KiwiSaver Scheme - MAS KiwiSaver SchemeOur view:
MoneyHub's editor Christopher Walsh says: "MAS KiwiSaver is one of the best-kept KiwiSaver secrets, with close to $1.5 billion invested as at 31 March 2025 per Morningstar data. Its early years saw it innovate and grow the pension funds of tens of thousands of medical professionals, but now it's open to every New Zealander looking for proven returns, competitive fees and highly engaging communications. MAS is a "mutual society" - this means each customer becomes a MAS member. All profits are held for the benefit of the community and members. This differs from many other KiwiSaver schemes, which charge fees and report high profits (and pay staff and owners very high salaries). Members benefit from free counselling sessions and speaker circuit talks; we look forward to more innovations from a scheme that operates with its members' interests first". |
3. Money Accounts, Money Products, Bank Accounts and Banking Products
New Zealand banks innovate on a spectrum - but there are alternatives to banks who offer similar products and services that champion the consumer. Our list recognises the most customer-focused and cost-effective offerings.
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Favourite Student Account - Booster SavvyOur view:
MoneyHub's editor Christopher Walsh says: "Booster Savvy is not merely a student account but a financial revolution for students. Offering substantial returns on transaction accounts and incorporating extensive features that aid in personal financial management, Savvy has set a new benchmark in the student banking sector. It exemplifies our commitment to promoting products that meet but exceed student expectations regarding value, functionality, and innovation." MoneyHub recognises Savvy for its forward-thinking design and exceptional benefits tailored for students. By combining robust financial tools with an easy-to-use digital interface, Savvy supports everyday student financial needs and encourages a savvier approach to saving and spending. It's more than just a student account; it's a comprehensive financial management tool that aligns with modern student needs and expectations". |
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Favourite Credit Union - First Credit UnionOur view:
MoneyHub's editor Christopher Walsh says: "First Credit Union is a lender who does more for the consumer - with no early repayment fees for any loan, no loan application or issue fees and 100% re-investment of profits to help keep services affordable. Unlike most New Zealand banks, it doesn't pay fat dividends to shareholders. Instead, it helps the local community with more affordable services. We like that anyone who takes a personal loan must also contribute at least $5/week to a savings account - this means every borrower finishes their loan with savings". |
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Favourite Reverse Mortgage Alternative Product - Lifetime HomeOur view:
Lifetime Home revolutionises retirement financing by offering a genuinely innovative alternative to traditional reverse mortgages. Unlike reverse mortgages that can compound debt exponentially, Lifetime Home provides a shared equity solution that allows retirees to access their home's value without monthly repayments or spiralling interest charges. Their model is transparent, fair, and designed to preserve wealth for families while providing immediate financial relief. With New Zealand's aging population facing increasing living costs and inadequate retirement savings, Lifetime Home addresses a critical market need by putting retirees first. The company's rigorous approval process ensures customers fully understand the arrangement, while their ongoing support helps retirees navigate their changing financial circumstances. Most importantly, Lifetime Home's shared equity model means retirees retain control of their property and benefit from any future capital gains, unlike traditional reverse mortgages that can eventually consume the entire property value. MoneyHub's editor Christopher Walsh says: "Lifetime Home is a game-changer in the retirement finance space. While traditional reverse mortgages can (arguably) be predatory with compounding interest that grows exponentially, Lifetime Home's shared equity approach is transparent and fair. Retirees get immediate access to funds without the stress of monthly repayments while still benefiting from property appreciation. What sets Lifetime Home apart is their commitment to education and ongoing support - they're not just providing a financial product, they're partnering with retirees for the long term. In a market where too many providers profit significantly from older New Zealanders, Lifetime Home represents ethical innovation that genuinely improves retirement outcomes. This is exactly the kind of product innovation New Zealand's aging population needs, and we're thrilled to see Lifetime leading the charge in creating fairer alternatives to traditional reverse mortgages." |
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Favourite Debit Card - Booster SavvyOur view:
Booster Savvy redefines everyday banking by merging the convenience of a debit card with the profitability of an investment fund. This product stands out for its innovative approach to daily financial transactions, making it a beacon of financial innovation in New Zealand. Unlike traditional bank accounts that typically offer minimal or no interest on transaction balances, Savvy introduces a high rate of return at 3.50% p.a., making every dollar work harder for the user. Highlights:
MoneyHub's Editor, Christopher Walsh says: "Booster Savvy is not merely a financial product; it is a financial revolution. Offering substantial returns on transaction accounts and incorporating extensive features that aid in personal financial management, Savvy has set a new benchmark in the financial sector. It exemplifies our commitment to promoting products that meet but exceed consumer expectations in terms of value, functionality, and innovation." MoneyHub recognises Savvy for its forward-thinking design and exceptional user benefits. By combining robust financial tools with an easy-to-use digital interface, Savvy supports everyday financial needs and encourages a savvier approach to saving and spending. It's more than just a debit card; it's a comprehensive financial management tool that aligns with modern consumer needs and expectations". |
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Favourite Money Transfer Service - WiseOur view:
MoneyHub's editor Christopher Walsh says: "We believe Wise outperforms traditional money transfer services by delivering value for money, convenience and speed. So whether you want to make a one-off transaction or send money overseas regularly, Wise beats the banks and PayPal". |
4. Credit and Debit Cards
We believe most credit cards on offer lack rewards, have too high an interest rate, and charge too much as an annual fee. However, for those who look, there are some value-adding credit cards on offer. We list the leading options below:
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Favourite Year-Round Balance Transfer Credit Card - ASB Visa LightOur view:
MoneyHub's editor Christopher Walsh says: "Other banks routinely offer short-lived balance transfer deals to win new customers. The ASB, and full credit to them, offer their Visa Light 0% six-month balance transfer offer year-round. With a $0 fee, a low long-term interest rate for purchases and six months interest-free on significant purchases, we believe this is a credit card that makes a difference. We don't often get enthusiastic about credit cards, but the ASB Visa Light is one of our favourites". |
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Favourite Airline Credit Card - The American Express Airpoints Platinum CardOur view:
MoneyHub's editor Christopher Walsh says: "Banks have scaled down what they offer regarding airline credit cards; we consider this the leading Air New Zealand card, bar none, for any of the 500,000+ New Zealanders with a 'platinum' card". |
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Favourite Rewards Credit Card - The American Express® Gold Rewards CardOur view:
MoneyHub's editor Christopher Walsh says: "We're big fans of The American Express® Gold Rewards Card for many reasons. No other credit card offers so much flexibility and generosity, and as more major retailers take American Express, cardholders will compound their rewards and cashback without friction. The free travel insurance and annual dining credit are added perks to make this the ultimate rewards credit card for anyone who likes to dine out and travel locally or overseas". |
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Favourite No Annual Fee Credit Card - The American Express Airpoints CardOur view:
MoneyHub's editor Christopher Walsh says: "American Express' free credit card generously offers a 1% reward rate, unrivalled among other card issuers. While it is an Airpoints-earning card, the choice of awards offered is extended to cover thousands of options via the Airpoints online store. The card has a lot of power, no annual fee, and an interest rate in line with the market". |
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Favourite Travel Credit Card - Flight Centre MastercardOur view:
MoneyHub's editor Christopher Walsh says: "A credit card that offers free FX fees and a 1.33% rebate on Flight Centre bookings is a win-win. New Zealanders can spend $15,000+ on a trip of a lifetime before leaving New Zealand and get a $200 credit for future travel at a time when bank credit card rewards have been scaled down, makes this our favourite travel card. Flight Centre launched this card in 2018 (per our research published in interest.co.nz) and continues to lead the market with a Mastercard that offers excellent value. There's a lot to like about this card". |
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Favourite Travel Money Card - Wise Debit CardOur view:
MoneyHub's editor Christopher Walsh says: "We do not know of a better debit card that offers cardholders so much for so little. New Zealanders are routinely charged too much in fees when paying in foreign currency, whether it be online or while travelling overseas. Wise delivers a solution that cuts the fees, gives you an app to track/block/review your card use, and has no ATM fees (within limits). It's a perfect card for anyone in New Zealand or looking for the ultimate travel money card without the fees, risk and inconvenience". |
5. Personal Lending Products
Personal lenders in New Zealand offer rates and service from excellent to terrible, and sadly, there is far too much of the latter. MoneyHub continues to be approached by lenders with appalling reputations for 'promotion' - we would never provide coverage to lenders who directly or indirectly damage the communities they operate in.
Thankfully, there is a handful of personal lenders who excel at looking after their customers. For example, one lender (Lending Crowd) offers secured loans with interest rates as low as 5.03%. Another lender (First Credit Union) doesn't charge application fees or early repayment penalties. Our shortlist below recognises those we believe have the borrower of the consumer at heart.
Thankfully, there is a handful of personal lenders who excel at looking after their customers. For example, one lender (Lending Crowd) offers secured loans with interest rates as low as 5.03%. Another lender (First Credit Union) doesn't charge application fees or early repayment penalties. Our shortlist below recognises those we believe have the borrower of the consumer at heart.
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Favourite Car Loan Lender - Simplify LoansOur view:
MoneyHub's editor Christopher Walsh says: "Simplify doesn't muck around with debt consolidation, personal lending or lifestyle lending. Instead, it delivers affordable car loans to hundreds of New Zealanders every month. We routinely hear from MoneyHub users about their (positive) experiences - rare in an industry which has historically not been the most transparent". |
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Favourite Personal Lender - First Credit Union
MoneyHub's editor Christopher Walsh says: "First Credit Union's personal loans put the customer first - with no early repayment fees, loan application or issue fees and branch service available (if you live locally in Waikato and the Bay of Plenty). We really like that anyone who takes a personal loan must also contribute at least $5/week to a savings account - this means every borrower finishes their loan with savings in the bank to help them on their financial journey". |
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Favourite Online Lender - HarmoneyOur view:
MoneyHub's editor Christopher Walsh says: "We like lenders that provide highly competitive interest rates and fixed fees - Harmoney champions this in the mass market. Harmoney innovated personal lending when they launched in 2014 with yes/no assessments within 24 hours, and their reputation and customer loyalty has seen them exponentially grow their reach. Other mainstream lenders struggle to offer the rates and deliver the speed of Harmoney". |
6. Insurance and Mortgages
Insurance is a tricky market - there is no "best" car insurer, nor is there one insurer who always offers the lowest prices for home and contents or a mortgage lender who beats everyone else. For this reason, it's impossible to single out one provider in crowded markets such as car, home and contents. Instead, we've listed our favourite insurers (and products), which go beyond the standard policies and deliver real value and benefits to a policyholder.
While some insurers sit back and sell policies and process claims, our list below recognises the innovation that is helping everyday New Zealanders get a better deal.
While some insurers sit back and sell policies and process claims, our list below recognises the innovation that is helping everyday New Zealanders get a better deal.
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Favourite Home Insurance Quote Platform - InitioOur view:
Initio has developed technology to give prospective customers a high-quality insurability assessment and property premium in under six seconds. This has helped New Zealanders using our hard to insure areas and insurance risk guides. MoneyHub's editor Christopher Walsh says: "The cyclone and flood devastation in early 2023 highlights the need for insurers to prioritise technology for claims and risk-pricing. Further to this, immediate quotes for renewals and new policies are crucial for customers to compare and save. Initio, an insurer at the forefront of technological innovation, has received industry award nominations for its quoting and claim technology advancements. Insurance seldom experiences innovation unless necessary. Initio is future-focused and propelling the industry forward to enable ordinary New Zealanders to obtain insurance pricing as swiftly as possible." |
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Favourite Health Insurance Broker - LifeDirectOur view:
LifeDirect has established itself as New Zealand's leading health insurance broker through its comprehensive service and genuine commitment to finding the right policy for each client. Unlike captive agents who sell only one insurer's products, LifeDirect compares policies across multiple insurers to ensure clients get the best coverage at the most competitive price. Their ongoing support extends well beyond the initial sale. MoneyHub's editor Christopher Walsh says: "Health insurance is complex, and LifeDirect makes it simple. Their brokers take the time to understand your specific needs and budget, then present options that genuinely fit. We're impressed by their post-sale service - they're there when you need to make a claim or review your coverage. In a market where many brokers are just order-takers, LifeDirect provides genuine advice and ongoing value." |
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Favourite Life Insurance Broker - LifeDirectOur view:
LifeDirect's expertise in life insurance is unmatched in the New Zealand market. They understand that life insurance is often a reluctant purchase, so they focus on education and clear explanations of why cover is important and how much is needed. Their access to multiple insurers means they can find competitive rates while ensuring the policy terms genuinely meet their clients' protection needs. MoneyHub's editor Christopher Walsh says: "Life insurance is one of those financial products that people know they need but often procrastinate about. LifeDirect makes the process straightforward and stress-free with upfront and transparent pricing. Their brokers are excellent at explaining complex policy terms in plain English and ensuring you get the right amount of cover at a price you can afford. Most importantly, they're there to help when it matters most - during the claims process." |
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Favourite Nationwide Mortgage Adviser - LifeDirectOur view:
LifeDirect's mortgage advisory service combines national reach with local expertise, helping New Zealanders secure competitive home loans regardless of their location. Their experienced advisers have access to a wide panel of lenders and understand the nuances of different banks' lending criteria. This means they can often secure approval and better rates for clients than those who go direct to a lender. MoneyHub's editor Christopher Walsh says: "Finding the right mortgage adviser can save you thousands of dollars and months of stress. LifeDirect's team understands that buying a home is often the biggest financial decision people make, so they provide comprehensive support throughout the entire process. Their nationwide coverage means quality advice isn't limited to major centres, and their relationships with multiple lenders often result in better outcomes than going direct to a bank." |
7. Money Management and Consumer Finance Services
We showcase the most helpful services that champion the consumer and are offered for no cost. From budgeting apps and 0% interest loans to comprehensive support, these providers go above and beyond by delivering a high-quality service with nothing but benefits to its user.
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Favourite Budgeting App - mybudgetpal by BoosterOur view:
MoneyHub's editor Christopher Walsh says: "mybudgetpal is free for everyone, regardless of whether you're a client of Booster or not. MoneyHub users repeatedly tell us how great it is, and what matters most to us is that there's no tie-in to any bank, nor do you need to pay for it. New Zealand is expensive and money needs to be allocated carefully - mybudgetpal avoids the bore of a spreadsheet and makes it app-tastic. We rarely get this excited about a budgeting tool, but in this case, the product is so authentic we've made an exception". |
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Favourite Assistance Service - Citizens Advice BureauOur view:
MoneyHub's editor Christopher Walsh says: "The Citizens Advice tirelessly helps millions of New Zealanders every year via its on-site and online service. The scope of knowledge their teams cover is endless, including consumer, employment and business, family and personal, government and law, health and wellbeing, housing, land, money, travel and transport. The team at MoneyHub routinely refers users to CAB knowing that they'll be in the best hands. Unfortunately, the Auckland Council does not fully recognise the CAB for its excellence given the planned funding cut" |
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Favourite Money Management Service - The Ngā Tāngata Microfinance TrustOur view:
MoneyHub's editor Christopher Walsh says: "The Ngā Tāngata Microfinance Trust is an unsung hero for many New Zealanders struggling to repay debts. Their small team, supported by Kiwibank, consistently provides safe, fair and affordable loans that change lives. Their service continues to help low-income New Zealanders get ahead in life without the problems of crushing personal debts. |
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