MoneyHub NZ
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  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
          • Stake Black Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Invest Direct Review
        • InvestNow Review
        • Kernel Review
        • Kernel Shares & ETF Investing Review
        • Interactive Brokers
        • Smart Review
        • Catalist Review
      • Comparisons
        • Sharesies vs Hatch vs Stake
        • Kernel vs Smart
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Invest Direct and more
        • Best Investment Apps
        • How Do I Start Investing?
        • Virtual Stocks and Shares Trading Games
      • Guides
        • How to Invest in Shares
        • Investing 101
        • Investing in Vanguard Funds from New Zealand
        • Investing in the US Stock Market from New Zealand
          • How To Buy Tesla Shares
          • How To Buy Apple Shares
          • How To Buy Amazon Shares
          • How To Buy Alphabet Shares
          • How To Buy Netflix Shares
          • How To Buy Microsoft Shares
          • How To Buy Meta Shares
        • US Extended Hours Trading Explained
        • What Happens If Your Investing Platform Shuts Down?
        • Fractional Shares
        • Transferring Share Portfolios
        • How to Read and Understand a Share Chart
        • NZX in a Nutshell
        • Investing in the ASX from New Zealand
        • Investing in Asian Markets from New Zealand
        • Understand Gross vs Net
        • How to Attend the 2026 Berkshire Hathaway Annual Shareholders Meeting
    • Introduction to Investing
      • Guides
        • Index Funds
        • ETFs (Exchange Traded Funds)
        • Cash Funds
        • Index Funds vs ETFs
        • 10 Ways to Invest in New Zealand
        • Compound Interest Explained
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • Investing in the S&P 500 from New Zealand
        • Best Retirement Income Products in New Zealand
        • Shares vs ETFs
        • Shares vs Property Investment
        • Dollar Cost Averaging Guide
        • Margin Lending and Loans Explained
        • Borrowing to Invest in Property, Shares or Funds
        • Passive Income Strategies
        • How Wealthy New Zealanders Invest Their Money
        • The Best Way to Invest Inheritance or a Windfall
        • Barefoot Investor-Friendly Financial Products in New Zealand
        • Investment Terms Glossary
        • IPOs
        • Investing in Dividend Shares
        • Common Shareholder Numbers in New Zealand
        • Shorting a Stock
        • Investing vs Trading vs Gambling
        • Investment Strategies for the Time-Poor
        • Advanced Trading Concepts
        • New and Emerging Investment Opportunities and Trends
      • Young People and Investing
        • Investing for Kids
        • Investing For Grandchildren
        • 10 Top Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
        • Dosh Review
      • Investing Calculators
        • Term Deposit Calculator
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Managed Funds
          • Pie Funds Management Review
          • Booster Private Land and Property Fund Review
          • AMP Managed Funds Review
        • Our Favourite Managed Funds
        • Advisers
          • Financial Advisers Overview
          • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
          • Financial Advisers Auckland
          • Financial Advisers Hamilton
          • Financial Advisers Tauranga
          • Financial Advisers Napier & Hastings
          • Financial Advisers Palmerston North
          • Financial Advisers Wellington
          • Financial Advisers Lower Hutt & Hutt Valley
          • Financial Advisers Nelson & Tasman
          • Financial Advisers Christchurch
          • Financial Advisers Dunedin
          • Lighthouse Financial Services Review
        • Bank Credit Ratings
        • Tax on Investments and Savings
        • Capital Gains Tax
        • Bright-Line Test
        • Ethical Investing
        • Best ESG Funds
        • Asset Allocations to Build Wealth
        • Managing Offshore Investments for Returning New Zealanders and Migrants
        • How to Buy and Sell Bonds
        • Buying NZ Corporate Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowdfunding Guide
        • REITs Guide
        • Jasper Review
        • Investing & Personal Finance Podcasts
        • Emergency Funds
        • UK Pension Transfer to New Zealand
        • Returning to the UK from NZ
        • Spending Your Savings in Retirement
        • How to Take Income from Investments
        • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
        • Investment Scams
        • Investing in Recession-Proof Sectors and Asset Classes During a Downturn
        • Hedging Investments
        • Top Personal Finance Books for New Zealanders
        • Top Ten Personal Finance Resources
      • Reviews
        • Simplicity Investment Funds Review
        • Lending Crowd Review
        • Squirrel Review
        • Sharesight Review
        • Lifetime Retirement Income
        • New Zealand Financial Markets Authority (FMA)
      • Calculators
        • Managed Funds Fee Calculator
        • Basis Points Calculator
        • Inflation Calculator
        • Retirement Calculator New Zealand
    • Alternative Investments and Trading
      • Reviews
        • BlackBull Markets Review
        • CMC Markets Review
        • Plus500 Review
        • IG Review
        • TMGM Review
        • CMC Markets vs Plus500 vs IG Markets vs BlackBull Markets
      • Guides
        • How to Invest in Gold
        • How to Invest in Silver
        • Forex Trading Guide
          • Forex Trading Platforms Comparison
          • Forex Trading Tools
          • Forex Trading Courses and Education
          • Forex Regulation
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Copy Trading
      • Cryptocurrency
        • Reviews
          • Easy Crypto Review
          • Swyftx Review
          • Binance Review
          • Easy Crypto vs Swyftx
          • NZDD Review
          • Independent Reserve Review
          • eToro Review
          • Coinbase Review
          • Kiwi-Coin Bitcoin Exchange Review
          • Vault International Bitcoin Fund Review
        • Guides
          • How to Buy Bitcoin in New Zealand
          • Beginner's Guide to Bitcoin and Blockchain
          • Stablecoins
          • Guide to NFTs
          • Bitcoin Wallet Guide
          • Bitcoin Mining
          • How to Sell Bitcoin
          • Bitcoin and Crypto Scams
          • Initial Coin Offerings
          • A Beginner’s Guide to Investing in Cryptocurrencies
          • Decentralised Finance
          • Bitcoin in New Zealand
          • New Zealand Bitcoin Exchanges
          • How to Buy Ethereum in New Zealand
          • Other Coins
            • How to Buy Ripple in New Zealand
            • How to Buy Cardano in New Zealand
            • How to Buy Dogecoin in New Zealand
            • How to Buy Litecoin in New Zealand
            • How to Buy Polkadot in New Zealand
  • Loans & Finance
    • Car Finance
      • Car Finance Calculator
      • Electric Vehicle Loans
      • How to Refinance Your Car Loan
      • Car Loan Refinance Calculator
      • Car Dealership Finance vs Alternatives
      • Motorcycle and Moped Loans
      • Motorcycle and Moped Loan Calculator
      • Asset Finance
      • Asset Finance Repayment Calculator
      • Business Vehicle Loans
      • Bad Credit Car Loans
      • Car Loan Brokers vs Direct Car Finance
      • Car Loan Amortisation Calculator
      • Car Finance Company Reviews
        • Simplify Loans Review
        • Toyota Finance Review
        • Mazda Finance Review
        • MTF Finance Review
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • Lending People Review
        • Driva Car Loans Review
      • Car Finance Must-Knows Guides
        • Buying a Car Loan vs Personal Loan?
        • Car Loans and Collateral
        • Car Loan Guarantors
        • How to Save for a Car
        • Paying Cash for a Car vs Car Finance
        • Balloon Payments
        • Boat Financing Calculator
      • Car Finance Add-On Insurance Guides
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • Compare Mechanical Breakdown Insurance
        • PPI (Payment Protection Insurance)
    • Personal Loans
      • Debt Consolidation Loans
      • Secured Loans
      • Green Loans
      • Home Renovation Loans
      • Online Loans
      • Bad Credit Loans
      • Beneficiary Loans
      • Payday Loans
      • Cash Advance
      • Same Day Loans
      • Low Income Loans
      • Personal Loan Calculator
      • Debt Consolidation Calculator
      • The Dangers of Debt Consolidation
      • Refinance Personal Loan Calculator
      • Home Renovation Loan Calculator
      • Interest Calculator
      • Harmoney Loans Review
      • Money Sweetspot Review
      • Nectar Review
      • Avanti Finance Review
      • Save My Bacon Review
    • Credit Scores & Interest Rates
      • Credit Scores and Credit Checks
      • How to Build Credit in New Zealand
      • How to Pay Down Debt Faster
      • Baycorp and Debt Collection
      • Interest Rates Guide
      • Interest Rate Comparison
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Compare Insurance
      • Compare Car Insurance
      • Car Insurance by Vehicle
        • Compare Toyota Aqua Insurance Costs
        • Compare Toyota Corolla Insurance Costs
        • Compare Toyota Hilux Insurance Costs
        • Compare Mazda2 and Demio Insurance Costs
        • Compare Ford Ranger Insurance Costs
        • Compare Nissan Navara Insurance Costs
        • Compare Subaru Legacy Insurance Costs
      • Reviews & Policy Comparisons
        • AMI vs AMP vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
        • Cove Car Insurance Review
        • Tower Car Insurance Review
        • Young Driver Car Insurance
        • Trade Me Car Insurance Review
        • Caravan Insurance
      • Car Insurance Guides
        • Third Party Car Insurance
        • How to Get Cheaper Car Insurance
        • Car Insurance Calculator
        • No Claims Bonuses Explained
        • Car Insurance Excess Explained
        • Cheapest Cars to Insure
        • Modifications that Make a Car Uninsurable
        • Car Insurers Directory
        • Car Insurance Glossary
        • Most Stolen Cars
    • Home, Contents and Other Insurance
      • House Insurance
      • House Insurance Calculator
      • Best Holiday Home and Airbnb Insurance Policies
      • Difficult to Insure Areas
      • Sum Insured Explained
      • Is Your Home an Insurance Risk?
      • Average Cost of Car, House, and Contents Insurance
      • Insuring Old Houses
      • Contents Insurance
      • Home and Contents Insurance
      • Renters' Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Insurance Company Financial Strength Ratings
      • Motorbike Insurance
      • Initio Review
      • Insurance Brokers
        • Trusted Insurance Brokers in Wellington
        • Trusted Insurance Brokers in Christchurch
    • Compare Pet Insurance
      • Is Pet Insurance Worth Buying?
      • Cat and Dog Desexing
      • Getting a Kitten
      • Buying a Puppy
      • Pet Euthanasia
      • Vet Costs in New Zealand
      • Dog Vaccination Schedule and Costs
      • Costs of Owning a Cat
      • Costs of Owning a Dog
    • Students Insurance
    • Life & Health Insurance
      • Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • Stepped vs Level Life Insurance
        • Life Insurance Calculator
        • Pre-Existing Medical Conditions
        • Buying Life Insurance Direct vs Using an Insurance Broker
        • Life Insurance Policies - Features and Questions to Ask
        • When To Cancel Or Change a Life Insurance Policy
        • Life Insurance For Smokers and Vapers
      • Health Insurance
        • Going to Australia for Medical Treatment
        • BMI Calculator New Zealand
      • Income Protection Insurance
        • ACC vs Income Protection Insurance
        • Income Protection Insurance for Self Employed
      • Mortgage Insurance
      • Trauma Insurance
      • Redundancy Insurance
      • Funeral Insurance
        • What to Do When a Spouse or Partner Dies
        • Funeral Costs
  • Credit Cards
    • Best Credit Cards
    • Rewards and Cashback Credit Cards
    • Credit Cards That Earn Business Class Flights
    • The Best American Express Credit Cards
    • Air New Zealand Airpoints Credit Cards
      • Kiwibank Airpoints Cards Ending – Best Replacement Options
      • ANZ vs AMEX vs Westpac Platinum Airpoints Credit Cards
      • ANZ Airpoints Visa Platinum vs AMEX Airpoints Platinum
      • Kiwibank Airpoints Platinum Visa vs AMEX Airpoints Platinum
      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
    • Balance Transfer Credit Cards
    • Platinum and Gold Credit Cards
    • Frequent Flyer Credit Cards
    • Travel Credit Cards
    • Interest Free Credit Cards
    • Virtual Debit and Credit Cards
    • Credit Cards That Provide Travel Insurance
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • American Express Gold Business Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • Where is AMEX Accepted?
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • Valuing AMEX Membership Rewards Points
        • AMEX Dining Collection Program Review
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
        • Qatar Airways Credit Cards
        • Singapore Airlines KrisFlyer Credit Cards
        • Cathay Pacific Asia Miles Credit Cards
        • Emirates Skywards Credit Cards
        • RewardPay Review
      • Flight Centre Mastercard Review
    • Guides
      • Pay Off Credit Card Debt
      • Credit Card Basics
      • Mastercard vs Visa
      • Credit Card Minimum Payments Explained
      • Credit Card Interest Calculator
      • Credit Card Debt Amortisation Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • Best Foreign Currency Debit & Credit Cards
      • Free Credit Cards
      • Low Interest Credit Cards
      • Credit Cards for Bad Credit
      • Q Card & Q Mastercard Review
      • GEM Visa Review
      • Onecard Visa Review
      • Purple Visa Review
  • Travel Money Cards
    • Travel Money Card Reviews and Comparisons
      • Wise Debit Card Review
      • Revolut Review
      • Revolut vs Wise - Which Is Better?
      • Travelex Money Card vs Wise Debit Card Comparison
      • OneSmart Card vs Wise Debit Card Comparison
      • Cash Passport vs Wise Debit Card Comparison
    • Travel Money By Country
      • Top Travel Destinations Where the NZD is Strong Right Now
      • Australia Travel Money
      • Bali Travel Money
      • Canada Travel Money
      • Europe Travel Money
      • Fiji Travel Money
      • Japan Travel Money
      • Rarotonga Travel Money
      • Singapore Travel Money
      • Thailand Travel Money
      • USA Travel Money
      • UK Travel Money
      • United Arab Emirates Travel Money
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
    • Savings
      • Best Term Deposits
      • Best Notice Saver Accounts
      • Booster Savvy Review
      • Booster Savvy Analytics Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Explained
      • NZ Bank Prefix Codes
    • Reviews
      • Wise Money Transfer Review
      • Heartland Bank Review
      • First Credit Union Review
      • NZCU Baywide Review
      • The Co-operative Bank NZ Review
      • Western Union Review
  • Mortgages
    • Mortgage Essentials
      • Best Home Loans
      • Mortgage Calculator
      • Interest Rate Predictions 2025
      • How Much Can I Borrow?
      • Debt to Income Ratios
      • Equity (and Leverage) Calculator
      • Mortgage Repayment Calculator
      • Mortgage Options
      • Mortgage Cashback
    • Other Mortgage Options
      • Interest-Only Mortgages Guide
      • Interest-Only Mortgage Calculator
      • Revolving Credit Mortgages
      • Offset Mortgages
      • Offset Mortgage Calculator
      • Fixed vs Floating Mortgage Rate Calculator
      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
      • Low-Deposit Home Loans
      • Rent to Own Homes
      • First Home Loan Guide
      • Reverse Mortgages
      • Lifetime Home Review
    • Mortgage Management
      • Saving for a House Deposit
      • Saving for a House Deposit as a Young Professional
      • Buying a Home with Family and Friends
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • What To Do if You Bought a House at the Peak of the New Zealand Market
      • Tips for Seniors Renting or Paying Down a Mortgage
      • Remortgaging Guide
      • Mortgage Relief and Holidays
      • Amortisation Calculator
      • Mortgage Break Fees
      • Defaulting on a Mortgage
      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
      • Mortgage Brokers Explained
      • Trusted Auckland Mortgage Brokers
      • Trusted Hamilton Mortgage Brokers
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers on the Kapiti Coast
      • Trusted Mortgage Brokers in Christchurch
      • LifeDirect Mortgages Review
    • Buying a Home
      • First Home Buyers Checklist
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
      • Buying an Apartment in New Zealand
      • Buying vs Renting a House
    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • Investment Property Mortgages
      • 20 Property Investment Risks You Can't Ignore
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • NZCB Review
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Our Favourite KiwiSaver Funds
      • Best Performing KiwiSaver Funds
      • Milford vs ANZ KiwiSaver Growth Funds Comparison
      • Free $500+ Government Money for KiwiSaver
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • How Aggressive Should KiwiSaver Be
      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Merging KiwiSaver and Australian Super Balances
      • Switching KiwiSaver Funds
      • KiwiSaver Robo and Digital Advice Tools
      • Ethical Kiwisaver Funds
      • KiwiSaver Private Equity Investments
    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
      • KiwiSaver Contributions - Gross or Net?
      • Employer KiwiSaver Contributions
      • Government KiwiSaver Contributions
      • KiwiSaver Savings Suspensions
      • Voluntary Contributions
      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
      • Average KiwiSaver Balance by Age
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
    • KiwiSaver Schemes
      • Amanah KiwiSaver Scheme
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • InvestNow KiwiSaver Scheme
      • Pie KiwiSaver Scheme Review
      • Kernel KiwiSaver Review
      • Kernel KiwiSaver Plan vs Superlife KiwiSaver Scheme
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • SBS Wealth KiwiSaver Scheme Review
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • GoalsGetter KiwiSaver Scheme
      • Pathfinder KiwiSaver Review
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
      • KiwiSaver Calculator
      • KiwiSaver Returns Calculator
  • Business
    • Compare Business Loans
      • Business Line of Credit
      • Business Borrowing Options
      • Small Business Loans
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Car Loan Repayment Calculator
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
      • Taxi (Business Funding) Review
    • Business Insurance
      • Public Liability Insurance
      • Professional Indemnity Insurance
      • Business Interruption Insurance
    • Wise Business Account Review
    • Business Credit Cards
    • Business Essentials
      • Money Saving Tips For Businesses
      • Get Debtors to Pay Overdue Invoices
      • Working Capital
      • Liquidations and Receiverships
      • Can't Make Payroll Guide
      • Buying out a Business Partner
      • Business Brokers
    • PAYE & Taxes
      • PAYE Calculator
      • PAYE Tax Rates 2025 & 2026
      • Minimum Wage
      • Tax Codes in New Zealand
    • Business Calculators & Resources
      • GST Calculator
      • GST Due Dates 2025
      • Business Loan Calculator
      • ROI Calculator
      • IRR Calculator
      • Internal Rate of Return
      • Percent Off Calculator
      • Profit Margin Calculator
      • Current Ratio Calculator
      • Quick Ratio Calculator
    • Online Services
      • Domain Names
      • Trusted Web Designers
        • Auckland Web Designers
        • Hamilton Web Designers
        • Wellington Web Designers
        • Christchurch Web Designers
        • Tauranga Web Designers
        • Lower Hutt Web Designers
        • Dunedin Web Designers
      • Digital Identity Programs and Online Verification Tools
      • Trusted Auckland SEO Companies
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
      • Retail Security Options and Costs
    • For Startups
      • How to Start a Business in New Zealand
      • Raising Capital
      • Product Market Fit
      • Crowdfunding vs Bank Financing
      • Blackbird vs Movac
      • How to Become an Angel Investor
      • How to Raise Money from Angel Investors
      • Alternatives to VC Funding
      • Hiring for a Startup
      • VCFO (Virtual CFO)
      • New Zealand Startup and Founder Incubators
      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
  • MSD
    • Navigating Work and Income Benefits
    • Jobseeker Support Benefit Rates 2025 and 2026
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • SuperGold Card Review
    • Disability Allowance
    • MyMSD
    • Community Services Card
    • Hardship Assistance - Urgent Costs and Living Expense Assistance
    • Loans for Unemployed
    • Working for Families Guide
    • Childcare Subsidies in New Zealand
    • Super Rates 2025 and 2026
    • NZ Superannuation in a Nutshell
    • Government Departments Helping New Zealanders Directly
    • Food Grants Guide
    • Food Banks Directory
      • Food Banks Auckland
      • Food Banks Northland
      • Food Banks Hamilton Waikato
      • Food Banks Wellington
      • Food Banks Christchurch
  • Motoring
    • Buying and Selling a Car
      • Car Valuations
      • Buying a Used Car
      • Selling a Car
      • Turners Cars Review
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
      • Car Registration in New Zealand
      • The Women's Guide to Buying a Car
    • Car Dealerships Explained
    • Everyday Driving
      • Costs of Owning a Car
      • 20 Ways to Make Driving Cheaper
      • Gaspy App Review
      • Parking Tickets
      • AA Membership Review
      • Best Car Batteries
      • Best Electric Cars
      • Buyer’s Guide for the 2023 Toyota Hilux
      • Buyer’s Guide for the 2023 Toyota RAV4
      • Buyer’s Guide for the 2023 Ford Ranger
    • Warrant of Fitness
      • Guide to Warrant of Fitness
      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
      • Warrant of Fitness Tauranga
      • Warrant of Fitness Lower Hutt
      • Warrant of Fitness Wellington
      • Warrant of Fitness Christchurch
      • Warrant of Fitness Dunedin
  • Law
    • Wills Guide
    • Separation Agreements
    • Prenuptial Agreements
    • Divorce Guide
    • Trusts Guide
    • Enduring Power of Attorney Guide
    • Living Wills Guide
    • Probate
    • Agreeable Review
    • Footprint Online Wills Review
    • Perpetual Guardian
  • Travel
    • Moving Overseas
      • Working Holiday Visas
      • Working Holiday Visas for 30+ Year-Old New Zealanders
      • Moving to Australia
      • Moving to London
    • Air New Zealand Specific
      • Air NZ Upgrade Guide
      • How to Redeem Air New Zealand Airpoints Dollars
      • Fastest Way To Earn Air NZ Status Points
      • Air New Zealand Koru Membership Review
      • Airpoints Flexipay Guide
      • Air New Zealand Travel Tips
      • Air New Zealand Refunds & Credits
    • Lounges, Upgrades, Car Hire & More
      • How to Get Access to Airport Lounges
      • Air New Zealand Skycouch Review
      • No Nonsense Upgrade Guide
      • Car Rental Hire
      • Auckland Airport Car Parking
    • Best of New Zealand
      • Auckland Travel for Less
      • 100+ Free Things to do in Auckland
      • Queenstown Like a Local
    • Hotels & Dining
      • Accor Plus Review
      • First Table Guide
      • Hotel Booking Sites Compared
    • Foreign Currency Exchange
      • Currency Converter
      • Australian Dollars Exchange Rate
      • American Dollars Exchange Rate
      • British Pound Exchange Rate
      • Canadian Dollars Exchange Rate
      • Euro Exchange Rate
      • Fijian Dollars Exchange Rate
      • Hong Kong Dollar Exchange Rate
      • Korean Won Exchange Rate
      • Indian Rupee Exchange Rate
      • Japanese Yen Exchange Rate
      • Malaysian Ringgit Exchange Rate
      • South African Rand Exchange Rate
      • Singapore Dollars Exchange Rate
      • Thai Baht Exchange Rate
      • Chinese Yuan Exchange Rate
  • Travel Insurance
    • Compare Travel Insurance
    • AMEX Airpoints Platinum Travel Insurance Review
    • Travel Insurance by Destination
      • Australia and the Pacifc
        • Australia Travel Insurance
        • Fiji Travel Insurance
        • Rarotonga Travel Insurance
      • Asia
        • Bali Travel Insurance
        • China Travel Insurance
        • India Travel Insurance
        • Japan Travel Insurance
        • Malaysia Travel Insurance
        • Singapore Travel Insurance
        • South Korea Travel Insurance
        • Thailand Travel Insurance
        • Vietnam Travel Insurance
      • Americas & Africa
        • Canada Travel Insurance
        • Peru Travel Insurance
        • South Africa Travel Insurance
        • USA Travel Insurance
      • Europe
        • France Travel Insurance
        • Greece Travel Insurance
        • Italy Travel Insurance
        • UK Travel Insurance
    • Specific Risk Cover
      • Do I Need Travel Insurance?
      • Pregnancy Travel Insurance
    • Travel Insurer Reviews
      • Southern Cross Travel Insurance Review
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  • Banking & Savings
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  • Essential Money Tips
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  • Trade Services
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Accommodation Supplement 2023 & 2024 - Rates and Guidance

Apply for an Accommodation Supplement with confidence using our comprehensive guide. We explain your eligibility, entitlements, obligations, and must-know tips.
Accommodation Supplement Guide Work and Income NZ
Updated 24 December 2023

The Accommodation Supplement is a type of financial assistance available from Work and Income to help with the costs of accommodation. It is paid in addition to a main benefit (like Jobseeker Support or the Supported Living Payment), but you can also receive it while you are working.

How much you can get depends on how much you pay for your accommodation costs and your level of income and assets, and like most assistance, is assessed based on you and your partner’s situation.

How does Accommodation Supplement fit in with other Work and Income support?
New Zealand has as three-level benefit system, with main benefits like Jobseeker Support or the Supporting Living Payment forming the foundation of the financial assistance you are entitled to. Extra benefits like Accommodation Supplement, Disability Allowance and Temporary Additional Support are paid on top of these main benefits to help with specific extra costs.

Our guide is comprehensive and designed to help you understand your eligibility, entitlements and obligations. We cover:
  • Accommodation Supplement Summary and Eligibility
  • What costs can I get help with under the Accommodation Supplement?
  • Understanding how entitlement is affected by both your (and your partner's) income and assets
  • ​Must-Know Accommodation Supplement Facts
  • Accommodation Supplement Frequently Asked Questions
  • Accommodation Supplement Application Process
  • ​Tips for approaching Work and Income to apply for an Accommodation Supplement

Accommodation Supplement Guide Work and Income NZ

Accommodation Supplement Benefit Summary

  • The Accommodation Supplement is intended to help with the costs of accommodation - this means homeownership costs, rent or board.
  • To work out your entitlement, Work and Income gathers your specific costs, looks at your financial situation and calculates a weekly rate of payment. This payment can continue for as long as you remain eligible for assistance - there is no time limit and no obligation to get to a point where you no longer require assistance.
  • You need to tell Work and Income when your situation changes, and every twelve months you'll be asked to renew the information needed to assess your entitlement. If you don't respond to this annual review, your payments can be stopped.
  • The amount you can receive is partly affected by where you live. Work and Income define four specific areas in New Zealand, and the maximum rates of payment vary between areas. The rates are reviewed each year.
  • The current rates of payment are listed on the Work and Income website here.
  • Finding out which "area" you are in is a little more tricky but Work and Income do have a table online.
  • Don’t be put off by the relatively low rates. The payment is intended to contribute to your costs, not cover them completely.​

Accommodation Supplement Guide Work and Income NZ

What costs can I get help with under the Accommodation Supplement?

The Accommodation Supplement is designed to help with costs specifically related to accommodation - this means home ownership costs, rent or board. Work and Income can include a wide variety of costs in the calculation of your accommodation cost. We explain the details of each entitlement below. 

1. Accommodation Supplement for Home Ownership Costs

Work and Income can look at a variety of costs when you own your own home. The most common costs are:
  • Mortgage repayments (interest and principal repayments on mortgages to purchase a house)
  • Body corporate fees
  • Local authority rates
  • Water rates
  • House insurance premiums (excluding contents insurance)
  • Mortgage protection insurance or life insurance (where this is compulsory for the mortgage)
  • Essential repairs and maintenance costs to the home

Know this: While most people reach the upper limit for payment with just their mortgage, if you have receipts or proof of the other costs its worth including them because it can help with entitlement to further assistance such as Temporary Additional Support. It's worth noting that Work and Income will only help with the portion of a mortgage used to purchase your home - if you have re-borrowed against your house for a car, boat, second home or a holiday, things get a bit more complicated as you have to work out the proportion of your payments that relate specifically to your home.

A lot of local authorities offer a rates rebate scheme for those on low incomes or who can’t afford their rates. If you receive a rebate Work and Income will include your rates, less the amount of rebate you received.

To prove how much you pay in order to get an Accommodation Supplement, Work and Income will want to see original documentation of each cost - this could include mortgage documents, rates bills, water rates or other invoices.

2. Accommodation Supplement for Rent Costs

  • ​When looking at rent costs, Work and Income can include the amount you actually pay in rent, plus any water usage charges too.
  • It's important to note that if you are in a flatting situation you can only include the amount you actually pay yourself - not the full amount for the house.
  • To confirm how much you pay, Work and Income will want to see a tenancy agreement or a Flat Sharing agreement if you have one. Often, a hand-written letter from the head tenant or the person you pay the rent to will do.
  • Important: If you are flatting, it is strongly recommend that you have a house-sharing agreement to document and agree who will pay for what. House sharing isn’t covered by Tenancy Services, but a written agreement will help if you want to take a flatmate to the disputes tribunal. There is an example agreement here.

3. Accommodation Supplement for Board Costs

  • If you pay Board, Work and Income consider that a proportion of the payment covers costs like power, phone, internet and water, and that food is also included. 
  • In calculating your entitlement to Accommodation Supplement, Work and Income will only consider 62 per cent of your Board cost as an accommodation cost.
  • We strongly recommend you avoid paying Board if you can help it - we outline why in more detail below in our ​Tips for approaching Work and Income.
  • To confirm how much you pay, Work and Income will often ask for a letter from the person you pay Board to.

Accommodation Supplement Guide Work and Income NZ

Understanding how entitlement is affected by both your (and your partner's) income and assets

The Accommodation Supplement is one of the types of assistance available from Work and Income that takes both assets and income into account. We explain these in detail below:

1. Accommodation Supplement Asset Testing

Asset limits, and understanding what counts as an asset
Work and Income has a remarkably broad definition of what a “cash asset” is. You can find their full policy online. Essentially it includes all the things you would expect like cash in the bank and investments, but it excludes equity in the home you live in or a car you own for private use.

Net equity in boats, caravans, investment properties and businesses can be included as a “cash asset” under certain circumstances. If you think this might affect you, make sure you provide all the documentation you have, including valuations and loan documents so they can make an accurate assessment.

How do assets affect payment?
Someone not receiving a main benefit may be able to receive the full rate of Accommodation Supplement entitlement if their assets are less than:
  • $2,700 for a single person
  • $5,400 for a sole parent, or a married, civil union or de facto couple

For every $100 in assets over these amounts, Work and Income adds $1 to your weekly income to adjust your entitlement. This adjustment isn’t made for people receiving a main benefit.

​The top limit for assets
for both people receiving a benefit and people not receiving a benefit is:
  • $8,100 for a single person
  • $16,200 for a sole parent or a married, civil union or de facto couple

This means that if you have assets in excess of these amounts, you won’t be eligible for an Accommodation Supplement.

2. Accommodation Supplement Income Testing

Income Limits
If you are receiving a main benefit, income really isn't an issue - even if you do some part-time work. If you aren’t receiving a benefit, there is an upper limit to the amount you can earn and still receive an Accommodation Supplement.

Currently, for a single person living in Auckland, the limit is $67,756 per annum or just under $116,844 per annum for a couple with children. You can see the full details online - these figures are reviewed each year, as well as the different areas which influence the limits.

Accommodation Supplement Guide Work and Income NZ

4 Must-Know Accommodation Supplement Facts

Accommodation Supplement Guide Work and Income NZ

Monitoring income changes week by week can be difficult

  • How much Accommodation Supplement you receive depends on your income, measured on a weekly basis. 
  • Work and Income will ask you to declare changes to your income each week so they can ensure you are paid the right amount - but this can be complicated if you are self-employed.
  • Work and Income want to know about your personal earnings - not your business - this means you have to deduct expenses related to earning income before you can report an accurate figure. For a lot of people, this is pretty hard to do on a weekly basis.
  • Sometimes the easiest way to apply is to wait for the end of the tax year and bring in your annual accounts to show your earnings - this will be divided over 52 weeks to get a weekly income figure.
  • Be aware: Work and Income take a different approach to IRD on expenses with things like depreciation getting special attention.
Accommodation Supplement Guide Work and Income NZ

Understand the differences between annual income assessment vs weekly

  • ​It's not just self-employed people who benefit from an annual income assessment approach. If you have lots of commission payments, or really variable income (e.g. a real estate agent) then declaring annual income can be helpful.
  • The best approach if you're unsure is to speak to a case manager - you’ll need to provide accounts or a tax return to verify your income, but it can make things much simpler.
  • Otherwise, it’s fairly simple to give Work and Income a payslip and have your income assessed based on that. You just need to remember to get in touch if things change - like a new job or a pay rise.
Accommodation Supplement Guide Work and Income NZ

You can’t get an Accommodation Supplement if you live in Social Housing

​You generally can’t receive an Accommodation Supplement if you live in social housing or a Housing New Zealand house. That’s because the Government is already subsidising your accommodation costs.If you are struggling to cope with payments its a good idea to contact your housing provider or Housing New Zealand to talk through the issues. You may need to update your income details with them if you have recently finished work and this can help to reduce costs.

This doesn’t mean KiwiBuild etc. Social Housing is housing provided to low-income tenants at vastly reduced rents. In the past, it was just Housing New Zealand, but now a number of housing providers are funded to offer a wrap-around support service for families who are struggling.

Accommodation Supplement Guide Work and Income NZ

​There is a minimum cost you have to pay yourself

  • Work and Income expect you to pay a certain amount each week yourself - this is known as the “Entry Threshold” and is updated each year.
  • The exact amount depends on your circumstances, but currently, for a single person, the entry threshold for Rent or Board is around $84 per week. For a married couple with children and a mortgage it is around $223 per week.
  • This really only becomes relevant if you are a homeowner not paying a mortgage - but see our tip below about essential repair and maintenance costs.
  • You can find the current 2023-2024 rates online under Jobseeker Support.

Accommodation Supplement Guide Work and Income NZ

Accommodation Supplement Frequently Asked Questions

Applying for the Accommodation Supplement is easy, but you're likely to have questions. Our FAQs walk you through the most common concerns. 

If I receive rent or board payments, how does this affect me?

If you rent out a room, this will reduce the amount you are entitled to. If you are the head tenant (i.e. only your name on the tenancy agreement), then your cost is reduced by the amount you receive. If you are a homeowner, then any rent you receive is counted as income.

Work and Income generally ignore any income from the first two boarders you have, because in most cases they are members of family or whānau. But if you are running a boarding house or have a lot of boarders, Work and Income might investigate further.

Can I get the Accommodation Supplement for my rental property?

No, the Accommodation Supplement can only be paid for the house that you and your family live in. If you have a rental property, it's quite likely the equity in the property will be above the asset limit for this type of assistance anyway. If you are in any doubt, make an application.

Can I get an Accommodation Supplement if I am a student?

Students usually receive a different type of assistance called an Accommodation Benefit - but it’s paid at a much lower rate (due to the assumption most students are living at home with family or have other support). If a student has a partner who isn’t a student, the partner can receive an Accommodation Supplement with various deductions depending on what their student-partner receives.

​My home is owned by my family trust - do I qualify for an Accommodation Supplement?

If your home ownership situation is a bit complex and involves (your own) family trust, or a business or relatives as well, then your application can get a bit complicated. 

Work and Income will likely want to see the Trust Deed (if you are a settlor, trustee or beneficiary) and potentially the trust’s annual return. This is especially true if you have previously owned the home which you have gifted to a trust. Sometimes other Trustees get upset about this requirement, but the reality is Work and Income can’t help unless they can fully assess your situation.


Complex ownership can slow things down too - if you still own your house with your ex-partner, for example, you could expect your costs to be halved - unless you have a divorce agreement or some sort of legal documents to show differently.


General Rule: If your situation is complex, bring as much documentation as you can to support your situation - ideally before Work and Income ask for them.

Accommodation Supplement Guide Work and Income NZ

Accommodation Supplement Application Process

Work and Income’s Check what you might get tool is a great place to start. Even if you only qualify for a small amount each week, it is well worth applying. Even $10 per week adds up over a year. The actual application process varies depending on your current situation.

If you are applying for a main benefit as well:
  • An application for Accommodation Supplement is included with your main benefit application - you just need to provide details and proof of your costs, and fill out the Accommodation Supplement section in the application form.
  • Any payments will start with your main benefit payment and will be backdated to the same start date.

If you already receive a main benefit:
  • You can apply online, or call and make an appointment to apply. Generally, it’s a very simple application form - you just need to provide proof of assets, ID and proof of your costs.
  • Your entitlement is usually backdated to when you first made contact to apply.

If you aren’t receiving a benefit:
  • If you apply as a “non-beneficiary” (i.e. you don’t receive a main benefit), then you generally need to complete an application form, providing verification of your ID, costs and financial situation and attend an appointment with Work and Income.
  • Your entitlement is generally backdated to the date you initially made contact to apply.

Online vs Offline Applications: Work and Income have experimented over the years with a totally online application process - you might get this option and its recommended unless your situation is complicated.

Accommodation Supplement Guide Work and Income NZ

​Tips for approaching Work and Income to apply for an Accommodation Supplement

1. Don’t pay Board if you can help it
  • As we outlined above, Work and Income consider that a Board payment includes all your utilities and food, so make a deduction from the amount you have to pay in calculating your entitlement.
  • If at all possible, ask the person you pay Board to provide a breakdown of what you pay. This could just be a simple hand-written note that says: “(Your Name) pays me $200 per week which includes $150 for their room and a $50 per week contribution to utilities and food”. In such a situation, Work and Income should then assess your costs as $150 per week for rent, rather than 62 per cent of $200, or $124 per week.
  • Paying Board can also make it harder to get hardship assistance for food too - you’ll need to explain why, if you are paying for food with your Board payments, you need an emergency food grant.

2. KiwiSaver might affect your entitlement
  • At the moment Work and Income’s policy is that any money “locked in” to KiwiSaver is not counted as a cash asset, but as soon as you receive a payment or if you can access KiwiSaver the value of this investment (i.e. through a KiwiSaver Hardship application), it is treated like any other asset.
  • There have been instances where this has encouraged people to go out and spend their retirement savings so they can retain their benefit entitlements - which is clearly not the intention.
  • We think this policy might change in the future, but for now, it’s something to be aware of. If you turn 65 or become able to access your KiwiSaver investments, you may see your Accommodation Supplement payments stop.

3. You should have some income to declare (even though you don’t have to)
  • According to Work and Income policy, you can apply for an Accommodation Supplement without declaring any income - but it's going to raise some “red flags”.
  • Work and Income know how much you pay each week and know that your Accommodation Supplement will only cover a proportion of this so they’ll be asking questions about how you are paying the rest of your costs (not to mention other living costs like food, utilities and travel costs).
  • It’s honestly better to tell the truth about cash-in-hand jobs, casual work, selling things on TradeMe, or other sources of income than it is to hope that Work and Income won’t notice.
  • Work and Income and IRD do share information - but not to this level (IRD will tell Work and Income about your earnings, but not the other way around).

4. Essential Repairs and Maintenance
  • As a homeowner, you can add the annual costs of essential repairs and maintenance to your accommodation costs - and this is often an overlooked goldmine to increase your entitlement.
  • A couple of thousand dollars spent replacing a rotten deck, or the cost of new insulation can quickly add up to a significant amount per year. This is then divided by 52 and added to your accommodation costs.
  • Work and Income will want to see receipts, and are fairly strict on what they consider “essential”. A brand new Italian Marble bathroom probably won’t get included - but if the bathroom was old and rotten, then there is a good chance many of the costs will be.
  • This is especially useful for people who don’t have mortgage costs as it might otherwise increase their entitlement.

5. Help if you are behind in your payments
  • While not strictly related to Accommodation Supplement, Work and Income can offer assistance if you are behind in your rent payments are likely to be evicted. This generally takes the form of a loan which is repaid either by automatic payment, or deductions from your benefit entitlement.
  • You’ll need to meet an income and asset test to qualify, but it can help you catch up.
  • Work and Income generally can’t help with mortgage payment arrears - you should talk to your bank if you are getting behind - they can usually find a way to help. 

6. Apply for Temporary Additional Support
  • Temporary Additional Support is another type of weekly payment you can get in addition to your main benefit and Accommodation Supplement. You can get it if you don’t receive a benefit too.
  • Work and Income looks at all of your costs and all of your income, and may provide a small top-up for a short period of time while you get things sorted out. You need to reapply for it every 13 weeks, and explain what steps you’ve taken to improve your situation.
  • If you are moving onto a benefit for the first time or struggling to make ends meet then apply - every little bit helps.

Do you have tips about the Accommodation Supplement that you would like to share? Contact our research team.

Related guides:
  • Jobseeker Support Guide
  • Navigating Work and Income
  • CV Template and Tips
  • Debt Help
  • ​Beneficiary Loans
  • KiwiSaver Hardship
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  • Credit Cards
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    • Travel Money By Country
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  • Banking & Savings
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      • LifeDirect Mortgages Review
    • Buying a Home
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  • KiwiSaver
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  • Business
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    • For Startups
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  • MSD
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  • Motoring
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  • Law
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    • Best of New Zealand
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  • Travel Insurance
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  • Mobile & SIM
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  • Power
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    • Power Companies
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  • Essential Money Tips
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    • Money & Relationships
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      • Guarantors - Loans and Mortgages
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    • Valuable Insights
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    • Challenging Economic Conditions
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      • Graduating Without a Job
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  • Financial Independence
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  • Life Essentials
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      • Free Samples
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    • Kids Eat Free
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    • Entertainment
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    • Consumer Rights
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    • Shopping Resources
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    • Living Essentials
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