MoneyHub NZ
  • Search
  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Jarden Direct Review
        • InvestNow Review
        • Kernel Review
        • Flint Wealth Review
        • Interactive Brokers
        • Smartshares Review
        • Catalist Review
      • Comparisons
        • Sharesies vs Hatch vs Stake
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Jarden Direct and more
        • Best Investment Apps
        • How Do I Start Investing?
        • Virtual Stocks and Shares Trading Games
      • Guides
        • How to Invest in Shares
        • 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
        • 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 Asian Markets from New Zealand
        • Understand Gross vs Net
    • Introduction to Investing
      • Guides
        • Index Funds
        • 10 Ways to Invest in New Zealand
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • ETFs (Exchange Traded Funds)
        • Best Retirement Income Products in New Zealand
        • Index Funds vs ETFs
        • Shares vs ETFs
        • Dollar-Cost Averaging Guide
        • 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
      • 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
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Investing Guide
        • Our Favourite Funds
        • Advisers
          • Financial Advisers Overview
          • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
          • Financial Advisers Auckland
          • Financial Advisers Wellington
          • Financial Advisers Christchurch
        • 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
        • Managed Funds
          • Booster Private Land and Property Fund Review
        • How to Buy and Sell Bonds
        • Buying NZ Corporate Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowd Funding 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
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Forex Trading Tools
        • Forex Trading Platforms Comparison
        • Forex Trading Courses and Education
        • Forex Regulation
        • Copy Trading
    • Cryptocurrency
      • Reviews
        • Easy Crypto Review
        • Swyftx Review
        • Binance Review
        • Easy Crypto vs Swyftx
        • 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
        • 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
      • Bad Credit Car Loans
      • Car Finance Company Reviews
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • MTF Finance Review
        • Simplify Loans Review
        • Car Loan Brokers vs Direct Car Finance
      • 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
      • Car Finance Add-On Insurance Guides
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • MBI (Mechanical Breakdown Insurance)
        • PPI (Payment Protection Insurance)
    • Personal Loans
      • Debt Consolidation Loans
      • Secured 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
      • Refinance Personal Loan Calculator
      • Home Renovation Loan Calculator
      • Interest Calculator
      • Harmoney Loans 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
    • Car Insurance
      • Guides
        • 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
      • Reviews
        • Tower Car Insurance Review
        • Cove Car Insurance Review
        • Trade Me Car Insurance Review
      • AMI vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
      • Young Driver Car Insurance
      • Third Party Car Insurance
      • Caravan Insurance
    • Home, Contents and Other Insurance
      • House Insurance
      • House Insurance Calculator
      • Difficult to Insure Areas
      • Insuring Old Houses
      • Contents Insurance
      • Home and Contents Insurance
      • Renters' Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Motorbike Insurance
      • Initio Review
      • Insurance Brokers
        • Trusted Insurance Brokers in Wellington
        • Trusted Insurance Brokers in Christchurch
    • Pet Insurance
      • Is Pet Insurance Worth Buying?
      • Cat and Dog Desexing
      • Getting a Kitten
      • Buying a Puppy
      • Pet Euthanasia
      • Vet Costs in New Zealand
      • Costs of Owning a Cat
      • Costs of Owning a Dog
    • Life & Health Insurance
      • Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • 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
      • 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
    • The Best American Express Credit Cards
    • Air New Zealand Airpoints Credit Cards
      • ANZ vs AMEX vs Kiwibank 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
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas 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
      • Where is Amex Accepted?
      • Credit Card Interest Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • Travel Money Cards
        • Australia Travel Money
        • Bali Travel Money
        • Fiji Travel Money
        • Rarotonga Travel Money
        • UK Travel Money
      • 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
      • 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
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • International Money Transfers
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
    • Savings
      • Best Term Deposits
      • Booster Savvy Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Guide
      • NZ Bank Prefix Codes
    • Reviews
      • Wise International 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
      • 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
    • Mortgage Management
      • Saving for a House Deposit
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • 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 in Christchurch
    • 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
      • Renting Directly to Tenants vs Using an Agent
    • Building a House
      • 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
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • 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
      • 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
      • JUNO KiwiSaver Scheme
      • Kernel KiwiSaver Review
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • Lifestages KiwiSaver Scheme
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • Nikko AM 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
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
    • Business Insurance
      • Public Liability Insurance
      • Business Interruption Insurance
      • Professional Indemnity Insurance
    • 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
    • Business Calculators
      • 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
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
    • 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 2023 and 2024
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • 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
    • NZ Superannuation in a Nutshell
    • Superannuation Rates 2023
    • Government Departments Helping New Zealanders Directly
    • COVID-19 Help
    • 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
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
      • Car Registration in New Zealand
    • 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
    • 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
  • Job Hunting
    • Job Applications
      • CV Templates & Tips
      • Cover Letters
      • Common Interview Questions
    • Guides & Resources
      • How to Improve Your LinkedIn Profile
      • Part-Time Jobs Guide
      • Redundancy Payouts and Entitlements
      • How to Get Promoted
      • Self-Employment Guide
      • Workplace Bullying
    • Recruitment Agencies
      • Recruitment Agencies Auckland
      • Recruitment Agencies Wellington
      • Recruitment Agencies Christchurch
  • Travel
    • How to Get Access to Airport Lounges
    • Flybuys Review
    • Fastest Way To Earn Air NZ Status Points
    • How to Redeem Air New Zealand Airpoints Dollars
    • Air New Zealand Koru Membership Review
    • Air New Zealand Travel Tips
    • Air NZ Upgrade Guide
    • Airpoints Flexipay Guide
    • No Nonsense Upgrade Guide
    • Cheap Domestic Flights
    • Car Rental Hire
    • Auckland Airport Car Parking
    • First Table Guide
    • Accor Plus Review
    • Queenstown Like a Local
    • Auckland Travel for Less
    • Hotel Booking Sites Compared
    • 100+ Free Things to do in Auckland
    • Layby Flights Guide
    • Airbnb Refunds (Coronavirus)
    • Air New Zealand Refunds & Credits
    • Google Flights Guide
    • Skyscanner Guide
    • Working Holiday Visas
    • Currency Converter
    • Qatar Airways Travel Tips
    • Foreign Currency Exchange
      • 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
  • Broadband
    • Compare Broadband Plans
    • No Contract Broadband
    • Rural Broadband Plans
    • Internet Speed Test
    • Broadband Provider Reviews
      • 2degrees Broadband Review
      • Bigpipe Broadband Review
      • Compass Broadband Review
      • Contact Broadband Review
      • Electric Kiwi Broadband Review
      • Farmside Broadband Review
      • Flip Broadband Review
      • Mercury Broadband Review
      • MyRepublic Broadband Review
      • NOW Broadband Review
      • One NZ Broadband Review
      • Orcon Broadband Review
      • Spark Broadband Review
      • Skinny Review
      • Slingshot Broadband Review
      • Starlink Review
      • Voyager Broadband Review
      • Wireless Nation Broadband Review
  • Power
    • Compare Power Companies
    • Power and Broadband Bundles
    • How to Lower Your Power Bills
    • Fixed Contracts vs Open Power Plans – What You Need to Know
    • Electric Vehicle Power Plans
    • How to Use Less Power
    • Power Companies
      • Contact Energy Review
      • Ecotricity Review
      • Electric Kiwi Review
      • Flick Electric Review
      • Frank Energy Review
      • Genesis Energy Review
      • Globug Review
      • Mercury Review
      • Meridian Energy Review
      • Nova Energy Review
      • Powershop Review
      • Z Energy Power Review
  • Financial Independence
    • FIRE Guides
      • Retirement in a Nutshell
      • How to Retire Early
      • FIRE Explained
      • The Four Percent Rule
      • Achieving Financial Independence, Faster
      • Five Types of FIRE Plans
      • Getting FIRE’d in New Zealand
      • FIRE and NZ Real Estate
    • FIRE Tools
      • Budgeting Apps
      • Debt Repayment Apps
      • Free Financial Literacy Classes
      • Free Financial Products
      • 50/30/20 Budget Calculator
      • Budget Planner
    • Tax
      • Beginner's Guide to Tax
      • Salary Sacrifice in New Zealand
      • Tax Bracket Creep
      • Tax Refunds
    • Money Tips
      • 20 Things to Stop Buying to Have More Money
      • 20 Indicators You're Doing Well Financially
      • 20 Must-Know Money Lessons (Learned From Experience)
      • 20 Money Habits that Keep You Poor
      • Saving on Household Bills
      • Debt Help
      • CAP (Christians Against Poverty) Review
      • Debtfix Review
      • Getting into Debt to Meet Short Term Living Costs
      • How to Survive a Recession
      • Average NZ Salary by Age
      • How to Maximise Income in Retirement
      • How to Handle Rising Interest Rates
      • Free Money from the Government
      • Bankruptcy Guide
      • Unclaimed Money in New Zealand
      • Financial Planning for Children With Disabilities
      • Should I Stop Contributing to KiwiSaver?
      • Teaching Kids About Money
      • Single Parenting and Money
      • How to Protect Your Finances from Inflation
      • Impacts of Inflation in New Zealand - 2022 and Beyond
      • Tips for Families on a Single Income
      • Side Hustles
      • Charities in New Zealand
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
  • Trade & Professional Services
    • Auckland Trade & Professional Services
      • Acupuncture Auckland
      • Arborists Auckland
      • Asbestos Removal Auckland
      • Auto Electricians Auckland
      • Bathroom Renovations Auckland
      • Builders Auckland
      • Building Inspectors Auckland
      • Cabinet Makers Auckland
      • Car Detailing Auckland ​
      • Catering Auckland
      • Cattery Auckland
      • Chimney Sweep Auckland
      • Chiropractors Auckland
      • Cleaners Auckland
      • Computer Repair Experts Auckland
      • Concreters Auckland
      • Dentists Auckland
      • Dog Boarding Kennels Auckland
      • Dog Daycare Auckland
      • Dog Grooming Auckland
      • Dry Cleaners Auckland
      • Electricians Auckland
      • Eyelash Extensions Auckland
      • Firewood Auckland
      • Flooring Companies Auckland
      • Fridge Repair Auckland
      • Garage Door Repair Auckland
      • Glaziers Auckland
      • Graphic Design Auckland
      • Gutter Cleaning Auckland
      • Gym Memberships Auckland
      • Hair Salons Auckland
      • Heat Pump & AC Specialists Auckland
      • Home Security Systems Auckland
      • Korean BBQ Auckland
      • Land Surveyors Auckland
      • Landscapers Auckland
      • Lawn Mowing Services Auckland
      • Locksmiths Auckland
      • Mechanics Auckland
      • Makeup Artists Auckland
      • Naturopaths Auckland
      • Optometrists Auckland
      • Painters Auckland
      • Panel Beaters Auckland
      • Personal Trainers Auckland
      • Pest Control Auckland
      • Plumbers Auckland
      • Podiatrists Auckland
      • Puppy School Auckland
      • Roofing Auckland
      • Scaffolding Auckland
      • Screen Printing Auckland
      • Solar Panels Auckland
      • Quality Tyres Auckland
      • Wedding Car Hire Auckland
      • Wedding Celebrant Auckland
      • Wedding Photographers Auckland
      • Wedding Videographers Auckland
      • Window Tinting Auckland
    • Wellington Trade Services
      • Arborists Wellington
      • Bathroom Renovations Wellington
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Air New Zealand Successful OneUp Upgrade Bids Guide

With Air New Zealand running at capacity on many long-haul routes, we argue the chance of one-up success is near-zero. Our guide explains more.
airnz oneup upgrade success
Updated 28 April 2023
April 2023 update:
  • We continue to monitor the situation using online forums, seat inventory websites and Air New Zealand's website. Given the amount of Gold Elite, Gold and Silver members with recognition upgrade vouchers to redeem (a benefit of their status), the chances of a one-up being cleared are very low.
  • We receive reports of Gold and Silver members being unable to successfully redeem recognition upgrades between Australia and Sydney or Melbourne, suggesting more demand for premium seats than supply even on short-haul routes. 
  • Our view is that while the pricing suggested below is fair and reasonable, one-up bid success is limited given the Gold Elite, Gold and Silver passengers redeeming recognition upgrade vouchers come first before any one-up bids. This means that if twenty Silver or higher Airpoints members want to redeem their vouchers and there are only six spare seats, there is no chance of successful one-up bids. We believe this situation (or something similar) happens on almost every long-haul North American and Singapore route.
  • However, there is good news. First, per this April 2023 RNZ article, Delta, United, American Airlines and Qantas are all launching and/or increasing services from New Zealand to Los Angeles, San Francisco, Dallas and/or New York. Secondly, Air New Zealand's new 787s (arriving between 2024 and 2026) will have up to fifty business class seats per aircraft. This is an increase from the 18 or 27 currently available. We hope the increase in competition on the North American routes and the increase in seats-per-787 will help increase the chances of one-up success.

Our guide is published below with all the facts and information you need to know. However, please keep in mind we do believe one-up bids on Australian, North American and most Asian routes are very difficult to secure.

Know This First: Do you have a Platinum Airpoints Credit Card?
  • Hundreds of thousands of New Zealanders have 'platinum' credit cards from ANZ, Kiwibank and Westpac, alongside their 'regular' Airpoints-earning credit cards.
  • Our research shows these bank-issued cards frustratingly earn around 50% to 55% of the Airpoints Dollars for every dollar spent compared to the AMEX Airpoints Platinum card, despite a similar annual fee.
  • This means you have to spend nearly twice as much to earn the same number of Airpoints Dollars (vs the AMEX card). And the banks have cut perks like lounge access when AMEX hasn't.
  • We're not impressed. Our comparison research is published below - if you have one of these cards, we suggest reading it:
  • ANZ Airpoints Platinum vs AMEX Airpoints Platinum
  • Kiwibank Airpoints Platinum vs AMEX Airpoints Platinum
  • Westpac Airpoints Platinum vs AMEX Airpoints Platinum

Summary of Air NZ's OneUp Bids Guide
  • Air New Zealand offers one class upgrades, i.e. economy to premium economy, or premium economy to business class, on any 787 and 777 operated flight.
  • To get an upgrade, you need to make a bid, with money or Airpoints Dollars, and if your bid is high enough, you'll be upgraded before your flight. 
  • 'Winning' an upgrade is not so easy - you have a higher chance of upgrade success on short flights (i.e. Trans-Tasman and Pacific Island routes) and less chance of success on long-haul flights, especially Auckland to Los Angeles, Houston, San Francisco, Buenos Aires, Singapore and Hong Kong (and vice versa).
  • What you bid and how full your flight is on the day of travel are the two most important factors.   
  • Our comprehensive upgrade bid guide at the end of this page provides guidance on how much to bid, to avoid overpaying while minimising the risk of missing out on some additional comfort when flying Air New Zealand. 
  • Our popular no-nonsense guide to airline upgrades explains everything you need to know about how upgrades work.

Our Guide to getting upgraded

We’ve written this guide for all levels of familiarity with Air New Zealand and the Airpoints program. While OneUp is available to any passenger booked on an Air New Zealand operated flight, it's important to mention that tier-level Airpoints members (i.e. loyal customers with fancy looking cards) get additional benefits when it comes to placing a bid. However, there is a lot of information online that is inaccurate and unhelpful when contemplating making a OneUp bid. 

We believe value for money is the most important factor when placing a bid. Air New Zealand may claim your bid is "weak" which is confusing. Consequently, we have put together this guide to dispel some myths and make the process clearer for passengers and to assist towards a more positive OneUp experience. 

We regularly update this page, and appreciate your feedback and thoughts - please contact us if you have first-hand experience that would be helpful.  

The guide covers:
  1. The basics of OneUp
  2. How Does OneUp Work? Does the Highest Bid Win?
  3. Our 7 Tips to Bid Right & Reduce the Risk of Missing Out
  4. 15 Rumours Disproved
  5. Latest OneUp Upgrade Bid Guide

What is OneUp?

OneUp is Air New Zealand's cabin class upgrade program. With any booking on an eligible Air New Zealand ticketed and operated international flight, any passenger can make an offer to upgrade their flight by one class. This is done by way of a dollar bid, which can be paid in cash or Airpoints. Air New Zealand then notifies you 3-7 days before your flight if you have been successful.

When will I know if I have a successful OneUp?

A successful OneUp bid is announced by an email to the passenger from Air New Zealand. At the same time, the passenger is issued a new ticket showing the higher cabin than originally booked, i.e. from Economy to Premium Economy. What you bid is deducted from your Airpoints account (or charged to your payment card), and you cannot cancel or change your mind once the bid has been successful. ​

I made a bid, but the 'Offer strength' is rated 'poor' - do I need to bid more?

  1. We believe that if you follow the Latest OneUp Upgrade Bid table, the offer you make will be appropriate for the route you've booked, all other things being equal.
  2. In recent months, MoneyHub researchers experienced success with upgrades, even when bids were observed to be 'poor'.
  3. Our view is that the indicator is pre-set for all flights operating your route. We don't believe it takes into account specific factors such as day of the week, current bookings, other bids made (or expected) and frequent flyer passenger upgrade voucher demands.
  4. For the reasons above, we believe the 'Offer strength' indicator is best ignored if you wish to avoid overpaying for an upgrade.​
Air New Zealand oneup bid strength
We believe the 'Offer Strength' indicator does not indicate the chance of success

Is OneUp the only way I can upgrade my flight?

In most cases, Yes. Air New Zealand may offer upgrade promotions at the gate upon boarding, but this is infrequent and not reliable. Additionally, if you are an Air New Zealand status member, you receive an annual allotment of vouchers for free upgrades (known as recognition upgrades). 

What are my chances of OneUp success?

Your chance of a successful upgrade varies, and as we explain below, it is based on the route, the aircraft, the popularity, the bids and the number of elite travellers on board. 

What flights or routes offer OneUp?

  • Any flight operated by an Air New Zealand 777 or 787 (the aircraft must be in Air New Zealand colours or an aircraft Air New Zealand is leasing), even if the ticket is an Air New Zealand flight number. These will be indicated as an 'Air New Zealand flight' when you search on Air New Zealand's website.
  • Any ticket where you are booked in Economy or Premium Economy.

What flights or routes are ineligible for OneUp?

  • Any New Zealand domestic flight (as no premium cabins are offered)
  • Any flight operated to Australia or the Pacific Islands by an Airbus A320 aircraft, which also only offer economy cabins.

How Does OneUp Work? Does the Highest Bid Win?

airnz oneup upgrade business class
  • Air New Zealand has a pecking order when it comes to all upgrades on offer, and OneUp bidders are unfortunately the lowest of the low. To explain things better, we outline the order as follows:
  1. First up, Airpoints Gold Elite members using a Recognition Upgrade (a free voucher issued annually for a one-class upgrade) will have first priority.
  2. Once the Gold Elite recognition upgrades clear, the airline looks at recognition upgrade requests made by any Gold and Silver members respectively.
  3. After that, Air New Zealand looks at any gifted upgrades from Gold Elite members to ordinary passengers travelling. 
  4. Once the Recognition Upgrades and gifts have cleared, that leaves the OneUp bids. 
  5. If your booking reference has more than one passenger, any offer you submit is per person for every passenger in the booking. If the offer is successful all passengers in the booking will be upgraded.

Our 7 Tips to Bid Right & Reduce the Risk of Missing Out

1. Know an Airpoints Elite Member? Sweet talk them now.

  • If you know an Airpoints Elite member, you’ve improved your chances considerably. All they need to do is add you to their gifting register, input your booking reference and lodge the upgrade request. 
  • If you’re planning to travel with an Elite member on the same booking, you can secure upgrades instantly up to 365 days before travel if there is availability. To avoid disappointment, it’s best to call the Airpoints line to check availability before booking your flight. 
  • Elite members have access to fixed price upgrades. For example, it costs 220 Airpoints for a single Economy to Premium Economy Airpoints Dollar Upgrade and 480 Airpoints for a Premium Economy to Business Premier Airpoints Dollar Upgrade for all Air New Zealand sectors. Full details are found on the upgrade chart. 
airnz oneup upgrade premium economy

2. Off-Peak flights have the best success.

Flights on a Tuesday or Wednesday are less popular and therefore relatively easier to achieve OneUp success. Additionally, leaving Auckland on a Saturday night is also less competitive. It’s less popular with business people and families.

3. Successful bids are more common for Premium Economy than Business Premier.

Lie-flat beds are in short supply on all routes, and in high demand from paying passengers on long-haul routes. If there are available seats for upgrading, more will come from Premium Economy than Business Premier. ​

4. Not everyone bids, in fact, if you do you’re the minority.

On a 300-seat aircraft, it’s fairly likely no more than 10% of passengers will make a OneUp bid. Don’t feel as if you’re competing against hundreds of people when you bid. ​

5. Use the Power of Silver, Gold and Gold Elite Status.

  • If you are a loyal tier-reaching Air New Zealand Airpoints member, whatever you bid, you will be upweighted by 10%, 30% and 50% as a Silver, Gold and Gold Elite respectively.
  • This means if you’re happy to bid $100 for a Trans-Tasman upgrade to Premium Economy, as a Silver/Gold/Gold Elite member, Air New Zealand will assess your bid at $110, $130 and $150 respectively.
  • Inversely, if you believe a bid of $300 will be successful for a route, you can divide your bid by 1.1, 1.3 or 1.5 and bid that amount (i.e. a Gold member can bid $230 as the 30% upweight will compute the bid to $300).​

6. Consider a Skycouch as an alternative to Premium Economy.

It’s often cheaper and offers more space. However, during school holiday periods the Skycouch cabin can turn into a school playground. ​

7. OneUp work best alone.

If you’re travelling with someone else, you might be successful with your OneUp and they may not – or vice versa. If you are both successful, you may not be able to sit together. In short, if you travel by yourself, you have the highest chance of success than travelling with a party given the limited number of seats available. Expectations need to be managed if you're planning to submit bids for an entire family or group travelling together, as it's unlikely that everyone will be successful even if the bids are equal. 
air new zealand upgrade cost

15 OneUp Rumours Disproved

  1. ​The price of your original ticket is irrelevant – your bid is what matters 
  2. Air New Zealand staff members on staff travel don’t take priority over you – but if your bid is too low and Air New Zealand rejects it, the spare seat will be available for staff travel at the gate.
  3. You cannot increase your bid if you’re rejected – Air New Zealand doesn’t give second chances.
  4. You don’t earn Airpoints Dollars and Status Points on the upgraded cabin class - only the original booking class earns points.
  5. If you are Silver or Gold tier with another Star Alliance airline, you have no advantage or priority - you can only participate in OneUp by paying cash.  
  6. You can’t bid for another upgrade to Business Premier if you’re successful with your first OneUp from Economy to Premium Economy 
  7. Your success and failure in previous bids on other flights is irrelevant – only what you bid matters. 
  8. Generally, for long-haul routes, routes operated by the 787-900 (fitted with 18 Business Premier Seats) are the hardest to have OneUp success. 
  9. OneUp bids rated “very poor” or “weak” can still be successful – Air New Zealand wants to maximise revenue and give some colour to the process, but if you’re the second highest bid that the system classifies as “weak”, in reality, the bid is “strong”. 
  10. Many routes have limited success - throughout the year, Auckland to/from Los Angeles (777), San Francisco (777), Houston (777), Chicago (777), Vancouver (777) and New York (787) are the hardest to upgrade from Premium Economy to Business Premier. This may change as more services from other airlines (Qantas, Delta, United and American Airlines) launch between the US and New Zealand.
  11. Some routes are much easier - Throughout the year, Auckland to/from Tokyo, Seoul and Shanghai (all 787) are the easiest to upgrade from both Economy and Premium Economy or into Business Premier.
  12. Whether you pay by credit card or Airpoints Dollars, your bid has the same value and merit (i.e. bidding in cash does not trump bidding in Airpoints).
  13. Timing is everything - seasonal events make every route unique, with a surge in premium travel experienced during Chinese New Year, Easter, Overseas All Black matches and School Holidays, among others. 
  14. Those with low expectations will be the happiest - OneUp success is notoriously difficult, so our advice is to consider your bid as a refundable lottery ticket and don’t get obsessed with the bidding amount in the lead-up to your flight. 
  15. You don’t have a priority if you bid earlier or closer to date of travel – all bids are considered at the same time, based on their dollar value. 
air nz upgrade

OneUp Upgrade Bid Guide - April 2023

Assumptions:
  1. We have not factored in the near-zero chance of one-up success currently observed by our research team and from reports gathered.
  2. Inbound route bids suggestions (i.e. Tokyo to Auckland, Los Angeles to Auckland) are the same as those listed below. 
  3. The bids presented below exclude any elite tier level up-weighting. If you are Gold level, for example, we recommend placing your bid at the rates presented below. 
  4. The bids presented do not guarantee success - as explained in our guide there are many factors affecting OneUp success.
  5. All prices are in NZD. For your booking currency, please use the appropriate NZD FX rate to bid (i.e. a NZ$200 bid would be approximately US$135). 
Australia Routes
  • Auckland to Brisbane, Melbourne and Sydney: $150 to Premium Economy, $250 to Business Premier
  • Auckland to Perth: $250 to Premium Economy, $400 to Business Premier

American Routes
  • Auckland to Vancouver: $350 to Premium Economy, $700 to Business Premier
  • Auckland to Los Angeles: $500 to Premium Economy, $700 to Business Premier
  • Auckland to Honolulu: limited data available**, we take an estimate of 100% above the Elite upgrade pricing which is $360 and $720 for upgrades to Premium Economy and Business Premier respectively. 
  • Auckland to Chicago: limited data available**, we take an estimate of 100% above the Elite upgrade pricing which is $480 and $960 for upgrades to Premium Economy and Business Premier respectively. 
  • Auckland to Houston: limited data available**, we take an estimate of 100% above the Elite upgrade pricing which is $480 and $960 for upgrades to Premium Economy and Business Premier respectively. 
  • Auckland to San Francisco: $550 to Premium Economy, $700 to Business Premier
  • Auckland to New York: This route is regularly sold-out in Premium Economy and Business Premier; no data is available

Asian Routes
  • Auckland to Hong Kong: $350 to Premium Economy, $650 to Business Premier
  • Auckland to Shanghai: $350 to Premium Economy, $600 to Business Premier
  • Auckland to Tokyo: $350 to Premium Economy, $600 to Business Premier
  • Auckland to Singapore: $450 to Premium Economy, $650 to Business Premier
  • Auckland to Seoul: $250 to Premium Economy, $350 to Business Premier
  • Auckland to Taipei: $250 to Premium Economy, $450 to Business Premier
  • Auckland to Denpasar (Bali): $250 to Premium Economy, $350 to Business Premier

Pacific Routes
  • Auckland to Apia, Rarotonga and Nadi: $150 to Premium Economy, $450 to Business Premier
  • Auckland to Papeete: $300 to Premium Economy, $600 to Business Premier

**Where we cannot collect sufficient data and/or take a position with regards to a suitable bid, we have estimated 100% above the Elite upgrade pricing level for the best chance of upgrade success. 

Contributors: MoneyHub would like to thank the Flyertalk community, Tripadvisor contributors and every MoneyHub user who continue to reach out to us to update our guide.

Related guides
  • How to use Google Flights
  • The Fastest Way To Earn Air NZ Status Points
  • ​No Nonsense Upgrade Guide
  • Air New Zealand Travel Tips
  • Cheap New Zealand Domestic Flights
  • Compare Air New Zealand Credit Cards
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        • Trading in a Nutshell
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        • Jasper Review
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        • Emergency Funds
        • UK Pension Transfer to New Zealand
        • Returning to the UK from NZ
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        • 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
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    • Alternative Investments and Trading
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      • Guides
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        • Forex Trading Guide
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    • Cryptocurrency
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      • Guides
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        • Beginner's Guide to Bitcoin and Blockchain
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        • Decentralised Finance
        • Bitcoin in New Zealand
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        • 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
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        • Car Loan Brokers vs Direct Car Finance
      • Car Finance Must-Knows Guides
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        • Car Loans and Collateral
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        • Balloon Payments
      • Car Finance Add-On Insurance Guides
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    • Personal Loans
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      • Harmoney Loans Review
      • Nectar Review
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      • Save My Bacon Review
    • Credit Scores & Interest Rates
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      • Baycorp and Debt Collection
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      • Buy Now Pay Later Apps
        • Afterpay Review
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  • Insurance
    • Car Insurance
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      • Reviews
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      • Initio Review
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    • Pet Insurance
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      • Cat and Dog Desexing
      • Getting a Kitten
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    • Life & Health Insurance
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        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • Life Insurance Calculator
        • Pre-Existing Medical Conditions
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        • 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
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      • Mortgage Insurance
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        • What to Do When a Spouse or Partner Dies
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  • Credit Cards
    • Best Credit Cards
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      • ANZ vs AMEX vs Kiwibank vs Westpac Platinum Airpoints Credit Cards
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    • Balance Transfer Credit Cards
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    • Reviews
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        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
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        • Emirates Skywards Credit Cards
        • RewardPay Review
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    • Guides
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      • Where is Amex Accepted?
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    • Other Credit Cards
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        • Australia Travel Money
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        • UK Travel Money
      • 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
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      • Best Foreign Currency Debit & Credit Cards
      • Free Credit Cards
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      • Credit Cards for Bad Credit
      • Q Card & Q Mastercard Review
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      • Purple Visa Review
  • Banking & Savings
    • Banking
      • Best Bank Accounts
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      • International Money Transfers
      • Open an Australian Bank Account from New Zealand
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    • Savings
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      • Booster Savvy Review
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    • Guides and Resources
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    • Reviews
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      • Heartland Bank Review
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  • Mortgages
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      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
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      • Mortgage Refinance Calculator
    • Mortgage Brokers
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      • 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
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    • 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
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      • Buying an Apartment in New Zealand
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    • Selling a Home
      • How to Sell Your House Privately
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    • Building a House
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      • Buying Land to Build a House
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      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
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      • Is KiwiSaver Safe?
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      • KiwiSaver Withdrawal
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      • What's My PIR?
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      • KiwiSaver First Home Grant Guide
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        • MAS Review
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      • Pathfinder KiwiSaver Review
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      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
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  • Business
    • Compare Business Loans
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      • Prospa Business Loans Review
      • Bizcap Business Loans Review
    • Business Insurance
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    • Business Credit Cards
    • Business Essentials
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      • Get Debtors to Pay Overdue Invoices
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      • Business Brokers
    • Business Calculators
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      • Percent Off Calculator
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    • Online Services
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      • Digital Identity Programs and Online Verification Tools
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      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
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    • For Startups
      • How to Start a Business in New Zealand
      • Raising Capital
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      • Crowdfunding vs Bank Financing
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      • Alternatives to VC Funding
      • Hiring for a Startup
      • VCFO (Virtual CFO)
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      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
  • MSD
    • Navigating Work and Income Benefits
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    • Jobseeker Support Guide
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    • Disability Allowance
    • MyMSD
    • Community Services Card
    • Hardship Assistance - Urgent Costs and Living Expense Assistance
    • Loans for Unemployed
    • Working for Families Guide
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    • NZ Superannuation in a Nutshell
    • Superannuation Rates 2023
    • Government Departments Helping New Zealanders Directly
    • COVID-19 Help
    • Food Grants Guide
    • Food Banks Directory
      • Food Banks Auckland
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  • Motoring
    • Buying and Selling a Car
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      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
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    • Everyday Driving
      • Costs of Owning a Car
      • 20 Ways to Make Driving Cheaper
      • Gaspy App Review
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      • AA Membership Review
      • Best Car Batteries
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    • Warrant of Fitness
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      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
      • Warrant of Fitness Tauranga
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      • Warrant of Fitness Christchurch
      • Warrant of Fitness Dunedin
  • Law
    • Wills Guide
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    • Divorce Guide
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    • Agreeable Review
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    • Perpetual Guardian
  • Job Hunting
    • Job Applications
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    • Guides & Resources
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      • Part-Time Jobs Guide
      • Redundancy Payouts and Entitlements
      • How to Get Promoted
      • Self-Employment Guide
      • Workplace Bullying
    • Recruitment Agencies
      • Recruitment Agencies Auckland
      • Recruitment Agencies Wellington
      • Recruitment Agencies Christchurch
  • Travel
    • How to Get Access to Airport Lounges
    • Flybuys Review
    • Fastest Way To Earn Air NZ Status Points
    • How to Redeem Air New Zealand Airpoints Dollars
    • Air New Zealand Koru Membership Review
    • Air New Zealand Travel Tips
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    • No Nonsense Upgrade Guide
    • Cheap Domestic Flights
    • Car Rental Hire
    • Auckland Airport Car Parking
    • First Table Guide
    • Accor Plus Review
    • Queenstown Like a Local
    • Auckland Travel for Less
    • Hotel Booking Sites Compared
    • 100+ Free Things to do in Auckland
    • Layby Flights Guide
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    • Air New Zealand Refunds & Credits
    • Google Flights Guide
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    • Working Holiday Visas
    • Currency Converter
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    • Foreign Currency Exchange
      • Australian Dollars Exchange Rate
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  • Broadband
    • Compare Broadband Plans
    • No Contract Broadband
    • Rural Broadband Plans
    • Internet Speed Test
    • Broadband Provider Reviews
      • 2degrees Broadband Review
      • Bigpipe Broadband Review
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      • Electric Kiwi Broadband Review
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      • Mercury Broadband Review
      • MyRepublic Broadband Review
      • NOW Broadband Review
      • One NZ Broadband Review
      • Orcon Broadband Review
      • Spark Broadband Review
      • Skinny Review
      • Slingshot Broadband Review
      • Starlink Review
      • Voyager Broadband Review
      • Wireless Nation Broadband Review
  • Power
    • Compare Power Companies
    • Power and Broadband Bundles
    • How to Lower Your Power Bills
    • Fixed Contracts vs Open Power Plans – What You Need to Know
    • Electric Vehicle Power Plans
    • How to Use Less Power
    • Power Companies
      • Contact Energy Review
      • Ecotricity Review
      • Electric Kiwi Review
      • Flick Electric Review
      • Frank Energy Review
      • Genesis Energy Review
      • Globug Review
      • Mercury Review
      • Meridian Energy Review
      • Nova Energy Review
      • Powershop Review
      • Z Energy Power Review
  • Financial Independence
    • FIRE Guides
      • Retirement in a Nutshell
      • How to Retire Early
      • FIRE Explained
      • The Four Percent Rule
      • Achieving Financial Independence, Faster
      • Five Types of FIRE Plans
      • Getting FIRE’d in New Zealand
      • FIRE and NZ Real Estate
    • FIRE Tools
      • Budgeting Apps
      • Debt Repayment Apps
      • Free Financial Literacy Classes
      • Free Financial Products
      • 50/30/20 Budget Calculator
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    • Tax
      • Beginner's Guide to Tax
      • Salary Sacrifice in New Zealand
      • Tax Bracket Creep
      • Tax Refunds
    • Money Tips
      • 20 Things to Stop Buying to Have More Money
      • 20 Indicators You're Doing Well Financially
      • 20 Must-Know Money Lessons (Learned From Experience)
      • 20 Money Habits that Keep You Poor
      • Saving on Household Bills
      • Debt Help
      • CAP (Christians Against Poverty) Review
      • Debtfix Review
      • Getting into Debt to Meet Short Term Living Costs
      • How to Survive a Recession
      • Average NZ Salary by Age
      • How to Maximise Income in Retirement
      • How to Handle Rising Interest Rates
      • Free Money from the Government
      • Bankruptcy Guide
      • Unclaimed Money in New Zealand
      • Financial Planning for Children With Disabilities
      • Should I Stop Contributing to KiwiSaver?
      • Teaching Kids About Money
      • Single Parenting and Money
      • How to Protect Your Finances from Inflation
      • Impacts of Inflation in New Zealand - 2022 and Beyond
      • Tips for Families on a Single Income
      • Side Hustles
      • Charities in New Zealand
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
  • Trade & Professional Services
    • Auckland Trade & Professional Services
      • Acupuncture Auckland
      • Arborists Auckland
      • Asbestos Removal Auckland
      • Auto Electricians Auckland
      • Bathroom Renovations Auckland
      • Builders Auckland
      • Building Inspectors Auckland
      • Cabinet Makers Auckland
      • Car Detailing Auckland ​
      • Catering Auckland
      • Cattery Auckland
      • Chimney Sweep Auckland
      • Chiropractors Auckland
      • Cleaners Auckland
      • Computer Repair Experts Auckland
      • Concreters Auckland
      • Dentists Auckland
      • Dog Boarding Kennels Auckland
      • Dog Daycare Auckland
      • Dog Grooming Auckland
      • Dry Cleaners Auckland
      • Electricians Auckland
      • Eyelash Extensions Auckland
      • Firewood Auckland
      • Flooring Companies Auckland
      • Fridge Repair Auckland
      • Garage Door Repair Auckland
      • Glaziers Auckland
      • Graphic Design Auckland
      • Gutter Cleaning Auckland
      • Gym Memberships Auckland
      • Hair Salons Auckland
      • Heat Pump & AC Specialists Auckland
      • Home Security Systems Auckland
      • Korean BBQ Auckland
      • Land Surveyors Auckland
      • Landscapers Auckland
      • Lawn Mowing Services Auckland
      • Locksmiths Auckland
      • Mechanics Auckland
      • Makeup Artists Auckland
      • Naturopaths Auckland
      • Optometrists Auckland
      • Painters Auckland
      • Panel Beaters Auckland
      • Personal Trainers Auckland
      • Pest Control Auckland
      • Plumbers Auckland
      • Podiatrists Auckland
      • Puppy School Auckland
      • Roofing Auckland
      • Scaffolding Auckland
      • Screen Printing Auckland
      • Solar Panels Auckland
      • Quality Tyres Auckland
      • Wedding Car Hire Auckland
      • Wedding Celebrant Auckland
      • Wedding Photographers Auckland
      • Wedding Videographers Auckland
      • Window Tinting Auckland
    • Wellington Trade Services
      • Arborists Wellington
      • Bathroom Renovations Wellington
      • Builders Wellington
      • Building Inspectors Wellington
      • Car Detailing Wellington
      • Catering Wellington
      • Cattery Wellington
      • Dog Boarding Kennels Wellington
      • Dog Daycare Wellington
      • Dog Grooming Wellington
      • Firewood Wellington
      • Glaziers Wellington
      • Gym Memberships Wellington
      • Heat Pump & AC Specialists Wellington
      • Lawn Mowing Services Wellington
      • Mechanics Wellington
      • Panel Beaters Wellington
      • Personal Trainers Wellington
      • Pest Control Wellington
      • Plumbers Wellington
      • Puppy School Wellington
      • Roofing Wellington
      • Wedding Photographers Wellington
    • Christchurch Trade Services
      • Arborists Christchurch
      • Bathroom Renovations Christchurch
      • Builders Christchurch
      • Building Inspectors Christchurch
      • Car Detailing Christchurch
      • Catering Christchurch
      • Cattery Christchurch
      • Dog Boarding Kennels Christchurch
      • Dog Daycare Christchurch
      • Dog Grooming Christchurch
      • Firewood Christchurch
      • Glaziers Christchurch
      • Gym Memberships Christchurch
      • Heat Pump & AC Specialists Christchurch
      • Lawn Mowing Services in Christchurch
      • Mechanics Christchurch
      • Panel Beaters in Christchurch
      • Personal Trainers Christchurch
      • Pest Control Christchurch
      • Plumbers Christchurch
      • Puppy School Christchurch
      • Roofing Christchurch
      • Wedding Photographers Christchurch
    • Hamilton Trade Services
      • Arborists Hamilton
      • Bathroom Renovations Hamilton
      • Builders Hamilton
      • Building Inspectors Hamilton
      • ​Car Detailing Hamilton
      • Catering Hamilton
      • Cattery Hamilton
      • Dog Boarding Kennels Hamilton
      • Dog Daycare Hamilton
      • Dog Grooming Hamilton
      • Glaziers Hamilton
      • Gym Memberships Hamilton
      • Heat Pump & AC Specialists Hamilton
      • Lawn Mowing Services Hamilton
      • Mechanics Hamilton
      • Panel Beaters Hamilton
      • Personal Trainers Hamilton
      • Pest Control Hamilton
      • Plumbers Hamilton
      • Puppy Schools Hamilton
      • Roofing Hamilton
    • Tauranga Trade Services
      • Arborists Tauranga
      • Bathroom Renovations Tauranga
      • Builders Tauranga
      • Building Inspectors Tauranga
      • ​Car Detailing Tauranga
      • Catering Tauranga
      • Cattery Tauranga
      • Dog Boarding Kennels Tauranga
      • Dog Daycare Tauranga
      • Dog Grooming Tauranga
      • Glaziers Tauranga
      • Gym Memberships Tauranga
      • Heat Pump & AC Specialists Tauranga
      • Lawn Mowing Services Tauranga
      • Mechanics Tauranga
      • Panel Beaters Tauranga
      • Personal Trainers Tauranga
      • Pest Control Tauranga
      • Plumbers Tauranga
      • Roofing Tauranga
    • Dunedin Trade Services
      • Builders Dunedin
      • Building Inspectors Dunedin
      • Car Detailing Dunedin ​
      • Catering Dunedin
      • Firewood Dunedin
      • Gym Memberships Dunedin
      • Heat Pump & AC Specialists Dunedin
      • Mechanics Dunedin
      • Panel Beaters Dunedin
      • Personal Trainers Dunedin
      • Plumbers Dunedin
      • Wedding Photographers Queenstown
    • Lower Hutt Trade Services
      • Builders Lower Hutt
      • Catering Lower Hutt
      • Mechanics Lower Hutt
      • Panel Beaters Lower Hutt
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