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
        • 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 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
        • 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
        • Investing Guide
        • 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 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
        • 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
      • 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
      • 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
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • 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
      • Free $500+ Government Money for KiwiSaver
      • Our Favourite KiwiSaver Funds
      • 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
      • AMI Travel Insurance Review
      • State Travel Insurance Review
    • Essential Information
      • Basic vs Comprehensive Travel Insurance
      • Health Insurance vs Travel Insurance
      • ACC vs Travel Insurance
      • Australia NZ Reciprocal Health Care Agreement
      • Travel Insurance Excess Explained
      • Claiming on Travel Insurance
      • How to Renew a New Zealand Passport
      • What is TAANZ?
      • Travel Packing List
      • Travel Insurers Directory
      • Travel Insurance Glossary
  • Mobile & SIM
    • Compare Mobile Plans
    • SIM Only Mobile Plans
    • eSIM Plans
    • Apple Watch Buying Guide
    • Spark Mobile Review
    • 2degrees Mobile Review
    • One NZ Mobile Review
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  • Banking & Savings
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  • KiwiSaver
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  • Mobile & SIM
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  • Power
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  • Essential Money Tips
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    • Money & Relationships
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    • Valuable Insights
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  • Financial Independence
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  • Trade Services
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Bridging Finance – The Definitive New Zealand Guide for Anyone Buying a Home without Selling their Existing Home

Whatever your needs for a bridging loan, our guide outlines the costs, lenders, pros, cons and must-know considerations.
Bridging Finance NZ
Updated 12 February 2025 
Know This First: While bridging finance interest rates are, in almost all situations, higher than standard homes loans, there is no need to accept the first offer you receive. There are a number of banks and alternative lenders who offer bridging finance, and there's no need to panic or rush a decision as finance can usually be arranged relatively quickly. 

If you're unfamiliar with how bridging loans work, we suggest reading this guide in detail - it has been published to help you understand how this unique financing works. It also walks you through two typical examples and outlines the pros, cons and alternatives available. Our information is general - for specific guidance, you may also want to contact a mortgage broker or lender who can advise on your situation. By doing so, you are likely to save time, money and lower your anxiety around your current situation. 

Our guide to bridging finance covers:
  • What is a Bridging Loan?
  • How Does Bridging Finance Work?
  • How to Qualify for a Bridging Loan
  • Pros and Cons of Bridging Loans
  • What to Consider Before Taking Bridging Finance
  • Lenders Offering Bridging Finance
  • Bridging Finance Frequently Asked Questions

MoneyHub Founder Christopher Walsh shares his views around bridging finance:

"With house prices at record highs (despite recent media stories suggesting drops), bridging loans can be a costly financial solution, and even more expensive if you get it wrong or sign a bad deal".

"With Auckland house prices north of $1,200,000 and New Zealand averaging $815,000, covering two mortgages for a short period can stretch the finances of even high-earning households. For this reason, it's important to fully understand the total costs and ongoing obligations of bridging finance".

"In a nutshell, bridging finance is not designed to be a long-term situation, the costs it incurs can have long-term effects. Working with the right people and lender is essential; if you don't, the costs can become eye-watering".

"The New Zealand property market is, arguably, law to itself which means things are always changing as prices - getting the right financing in place can make the difference between a dream and nightmare. The right bridging finance deal, despite being short-term, is critically important to keep things affordable".
MoneyHub Founder Christopher Walsh
MoneyHub Founder
Christopher Walsh


Your Guide to Bridging Finance is Brought to You by LifeDirect Mortgages

LifeDirect Mortgages, a trusted name in mortgage brokering across New Zealand, proudly supports this guide. We value LifeDirect Mortgages' commitment to helping New Zealanders secure the best home loan solutions, offering personalised advice tailored to your needs.

Whether you're a first-home buyer, looking to refinance, or exploring investment property options, LifeDirect Mortgages' experienced team makes the process simple, transparent, and stress-free. We proudly name them winners of our 2024 Editor's Choice for our favourite nationwide mortgage adviser.

We encourage you to contact their friendly experts to discuss your mortgage needs - you can learn more about LifeDirect Mortgages with our detailed review or visit their website.
Visit LifeDirect Mortgages
LifeDirect Mortgages
LifeDirect Mortgages Award

Bridging Finance NZ

​What is a Bridging Loan?

If you've ever thought about buying a new house before selling your existing home, there is one major problem - owning two properties and once (and having to finance both of them at the same time). A bridging loan helps home buyers pay for their new house while their existing house sits for sale. Unless you're mortgage-free and/or buying the new home in cash, most people need a bridging loan to buy another home if they cannot sell their existing property.

A bridging loan helps act as the 'bridge' between buying your new house and selling your existing house. In other words, it's temporary financing to bridge the gap until you sell your home.

How much does a bridging loan cost?

Mortgages for any household are a significant expense, so taking on a bridging loan, which can double your mortgage outgoings, is a decision that should not be underestimated. 

Bridging loans are based on a lender's floating rate, plus a premium (such as 1% or 2% p.a. above the floating/variable rate). Bridging loans are almost always on interest-only terms. Once your original property sells, the mortgage balance owed is repaid, the remaining balance switches from floating to fixed. 

Bridging finance costs are best explained by an example with numbers:
  • Aroha and Matthew have an existing interest and principal repayment mortgage that costs $500 a week to service. 
  • On 1 April, they put their existing home on the market, enter into an unconditional offer on a new home and take possession of the home on 1 June. 
  • Their home doesn't sell by the end of May, so Aroha and Matthew arrange bridging finance. Their new home costs $800,000, and the best offer they receive is 4.95% (3.95% variable + a 1.00% bridging finance premium). This costs $762 per week to service per our interest-only mortgage calculator.
  • The home finally goes unconditional on 1 July, with a settlement date of 31 August. Upon settlement, the proceeds of the sale repay the existing mortgage, legal and real estate costs, and the remainder is applied to the bridging loan (which switches to a fixed-rate home loan. 
  • Aroha and Matthew pay a total of $9,900 ($762 X 13 weeks) for their bridging finance interest repayments.

Bridging Finance NZ

How Does Bridging Finance Work?

The type of bridging loan you get depends on your circumstances. In both circumstances, the bridging finance is used to pay for your new home - the lower the interest rate, the cheaper the bridging finance is.

Closed Bridging Finance

If you've sold your existing home and bought a new one, but the timing of the closings don't coincide, you'll need a closed bridge loan. This loan is a bridge between your two closing dates which are already known. It provides the financing to buy your new home while you wait for your existing home to close. You can borrow funds under a closed bridging loan for a maximum of 12 months.

Open Bridging Finance

If you haven't sold your existing home but are ready to buy a new home, you need an open bridge loan. This type of loan is riskier for lenders because it doesn't provide a definite date that you'll sell your current property and pay off the loan. An open bridge loan usually has tougher requirements and a higher interest rate to make up for the lender's risk.

Know This: No matter which loan you need, how they work is the same:
  • The lender finances the price of the new property
  • The lender also takes over the existing mortgage on your current property
  • By subtracting the intended amount you'll receive for your existing property, you get the ongoing balance

Costs: How you're charged depends on the type of loan and the lender. Some lenders charge interest only while you are in 'limbo', and others require full payment on the total loan amount when the sale of your existing home is settled.

Bridging Loans - A Typical Example
  1. Mike and Sarah want to move home with their children. They see an ideal family home and make an offer in December, which is accepted.
  2. They promptly list their existing home with a real estate agent. Their current property is valued at $1,000,000, and their new home is $1,500,000.
  3. Both Mike and Sarah wanted to move before the start of the school year (February) to minimise disruption for their children. 
  4. They settle the new home in January (after a slow Christmas period of house sales) using a bridging loan. The interest rate is 1% above their lender's floating rate, which comes to a total of 4.95% p.a. The cost per week for the interest-only payment is around $1,435. The term of the bridging loan is six months. 
  5. In March, after a flat summer of house sales, Mike and Sarah's house finally sells for $1,115,000. Net of agent costs, legal fees, and repaying the mortgage, Mike and Sarah receive around $500,000 to put towards their new mortgage. 
  6. They promptly contact their mortgage broker, who arranges for the bridging finance to switch to a fixed-rate home loan; Mike and Sarah sign up for a 25-year mortgage at 2.75% p.a. with a $1,000,000 balance. 
  7. In summary, Mike and Sarah took the risk that their home would sell in six months, but they also paid over $10,000 in bridging loan interest costs while their existing house sat on the market. Had the home not sold in those six months, the ongoing bridging loan interest costs would continue to be charged (and they may have needed to extend the terms). This example demonstrates that bridging finance is not without its risks and costs.

Your Guide to Bridging Finance is Brought to You by LifeDirect Mortgages

LifeDirect Mortgages, a trusted name in mortgage brokering across New Zealand, proudly supports this guide. We value LifeDirect Mortgages' commitment to helping New Zealanders secure the best home loan solutions, offering personalised advice tailored to your needs.

Whether you're a first-home buyer, looking to refinance, or exploring investment property options, LifeDirect Mortgages' experienced team makes the process simple, transparent, and stress-free. We proudly name them winners of our 2024 Editor's Choice for our favourite nationwide mortgage adviser.

We encourage you to contact their friendly experts to discuss your mortgage needs - you can learn more about LifeDirect Mortgages with our detailed review or visit their website.
Visit LifeDirect Mortgages
LifeDirect Mortgages
LifeDirect Mortgages Award

Bridging Finance NZ

How to Qualify for a Bridging Loan

Since bridge financing is so risky, lenders often have tougher requirements to ensure you can handle the stress of the unknown. In addition to proving you can afford the loan both now and after you sell your current home, most lenders look for:
  1. Offers on your home - If you have an unconditional offer on your home (but for a date after you settle your new home purchase), lenders have certainty around the amount of money and amount of time they need to provide bridging finance for. These details lower the lender's risk and, in many cases, the total costs of bridging finance.
  2. Financial stability and affordability – Banks want to know you can cover all of your financial responsibilities, including settling the total loan amount should your sale fall through. Because paying two mortgages simultaneously is almost impossible in the long term, lenders assess your risk profile in detail. This includes looking at your income, current mortgage obligations, personal debts etc.
  3. Sufficient savings - bridging loans mean you'll need to service two loans, so lenders will ideally like to see at least $20,000 to $40,000 in savings to meet these obligations.
  4. A realistic sales price – Selling your home is an emotional process that may make you over-inflate your sales price. A realistic valuation will help you and the lender know how much the home is worth.
  5. Money to put down – Each lender has a different LVR allowance, but most require 20% equity in the new home you buy. 
  6. Proof you can sell the home within 6 – 12 months – Lenders want evidence that you will and can sell the home within 6 – 12 months. For example, the home must be on the market, in excellent condition (i.e. no damage or structural/repairs awaiting) and be priced competitively or in a residential area with high demand. 
  7. Proof that you have an alternative plan – Life doesn't always work out as we planned, and lenders want to know you have a backup plan should your original plans fall through.

Pros and Cons of Bridging Loans

Pros and Cons of Bridging Loans

Pros
  • You can make a move on the housing market fast - this means you have the same (or similar) buying buyer as property investors and first-time buyers (i.e. no ties or limitations).
  • You can act on a whim, buying your dream home if it pops up unexpectedly and you haven't sold your existing home.
  • You may only have to pay interest on the new loan. Every loan is different but may offer interest-only repayments rather than interest and capital repayments. 
  • You can avoid renting your home while you wait for it to be sold. This isn't common given New Zealand intense property market, but it is worth noting that some people do this to meet mortgage repayment obligations. 

Cons
  • Bridge financing is expensive. You're covering the mortgage on your existing home and a new home, so it's effectively a 'double mortgage' with a comparatively higher interest rate. As per Kiwibank, interest rates on their bridging loans are "1% higher than our standard variable rate". Other lends charge similar (or higher) amounts.
  • Most bridge financing loans have variable interest rates, making it harder to budget for your expenses and save. If interest rates go up, so do your mortgage costs. This can be very problematic as you'll be paying two mortgages at the same time.
  • If your home doesn't sell within the allotted time, your interest rates will likely increase.
  • It's risky to 'bank' on the fact that you'll sell your property in time; hence the fees and higher interest rates compared to standard home loan offers. 
  • Your current home may sell for less than what you planned, which means you'll have to take on more mortgage debt to cover the new home you buy.

Alternatives to Bridging Loans

If taking out bridging finance seems too risky for your financial situation, there are ways around it:
  1. Contingency Agreements – You can make the purchase of your new home contingent upon the sale of your existing home. This may limit your options as not all sellers accept contingencies, but it's worth asking. If you are granted the contingency and don't sell your home in time, you can back out of the contract without penalty.
  2. Ask for a longer settlement period – Some sellers don't need to move fast and will grant you a longer settlement period. This gives you more time to sell your home and get your financing to buy the new home.
  3. Sell your home first and then make an offer on a new home - This is where you decide you want to move but want to do so with money in the bank and without the pressure of selling your home before you move. In a pre-housing crisis New Zealand, this was done without too much hassle. However, in current markets, there is a risk that you'll be repeatedly outbid, the market will overheat and become affordable, and/or you won't be able to find rental accommodation in the short term. Selling first and housing-hunting second is not without risks.

Bridging Finance NZ

What to Consider Before Taking Bridging Finance

A bridge loan seems like the 'magic wand' you need to make buying and selling homes easier, but it's not always the magic answer. Before you take one, ask yourself:

1. What's the average time on the market in my area?
If you aren't comfortable that you'll be able to sell your home fast, you may want to refrain from bridging finance. Look at the days on the market – if it's too much, then a bridging loan may be too risky and too expensive. However, if homes are selling fast in your area, then it may be worth the risk. In any instance, never proceed without fully understanding the costs and make sure you are aware of all the obligations.
 
2. What will you do if your home sells for less than you expected?
If you are properly prepared and worked with an experienced valuer, you should be on track to get what you expected for your home, but that's not always the case. If you have a shortfall, your new mortgage costs will be higher - even a $50,000 shortfall means $55/week extra for 25 years at a 3% p.a. interest rate. Before proceeding, do you have a backup plan if your home sells for less?
 
3. What will you do if your home takes longer to sell?
Even the most carefully laid plans can go awry. If your home takes longer than you anticipated to sell, it could leave you with debts that are much larger than you anticipated. 

4. Can I afford the bridging finance? 
Bridging loans are expensive - you pay a higher interest rate, and you have to keep up with your existing home's mortgage at the same time. Make sure you have the financing to back you up should this happen - it needs to be affordable and realistic. While eventually, your home will sell and give you a cash injection and repay your existing mortgage, there may be some financially difficult weeks in the short term.

Bridging Finance NZ

Lenders Offering Bridging Finance

There are reports in the media that bridging finance ranges from 8 to 10 percent, and that often the interest payments are capitalised. This is not always the case - many lenders are offering interest-only arrangements which are more affordable (although you will need to make the repayments until your home sells).

Know This: The costs of bridging are not widely publicised, but some lenders are more transparent
While most lenders don't publicise the cost of bridging loans, we found that Kiwibank and TSB do - both charge 1% p.a. above their standard loan rates. You may also need to pay loan fees on top - your lender or mortgage broker will have all the details. 

Currently, many lenders offer bridging finance, including:
  • Kiwibank - "Interest rates on bridging loans are 1% higher than our standard variable rate".
  • TSB - "Interest rates are 1% p.a. above our standard home loan rates".
  • Squirrel
  • Westpac
  • ​BNZ
  • ASB
  • ANZ​​

Bridging Finance NZ

Bridging Finance Frequently Asked Questions

Bridging loans don't need to be stressful or overly expensive - taking the time to prepare and make a strong application will put you in the best position. Our frequently asked questions below anticipate some of these concerns, but a mortgage broker or lending manager is best placed to guide you on bridging loans specific to your financial situation.

How much does a bridging loan cost?

Bridging loans aren't cheap. On top of the normal interest rates, you'll likely pay a loan setup fee of at least 1 – 2% of the loan amount. This is in addition to the higher interest rates most bridging loans charge.

Is it hard to qualify for a bridge loan?

It can be hard to qualify for a bridge loan because of the high risk they pose. Ideally, you should have great credit and a low debt-to-income ratio to qualify.

How much equity do you need for a bridge loan?

The exact amount of equity you need varies by lender. Some will require as little as 20% of the peak loan amount or the amount of your current loan and the new loan combined, but it's not unheard of for lenders to require at least 50% equity.

Is a bridge loan worth it?

If you're in a bind and you have both the new home ready to buy and a buyer for your existing home, it can be worth it. But, if you're buying a new home because you found one but haven't done any work to sell your existing home, it could be too risky.

Do bridging loans have interest-only terms?

Yes - this is standard for most lenders. You'll usually keep making the full repayments on your current mortgage and interest-only payments on the new loan just until the bridge loan expires. After that, your loan becomes a standard mortgage.

Is a bridging loan stressful?

The idea of a bridging loan is to alleviate the stress of buying a new home before selling your existing home, but sometimes the bridge loan can be stressful too. It adds another layer of financial responsibility, and if your current home doesn't sell in a reasonable time, it could leave you in quite a bind financially.

Your Guide to Bridging Finance is Brought to You by LifeDirect Mortgages

LifeDirect Mortgages, a trusted name in mortgage brokering across New Zealand, proudly supports this guide. We value LifeDirect Mortgages' commitment to helping New Zealanders secure the best home loan solutions, offering personalised advice tailored to your needs.

Whether you're a first-home buyer, looking to refinance, or exploring investment property options, LifeDirect Mortgages' experienced team makes the process simple, transparent, and stress-free. We proudly name them winners of our 2024 Editor's Choice for our favourite nationwide mortgage adviser.

We encourage you to contact their friendly experts to discuss your mortgage needs - you can learn more about LifeDirect Mortgages with our detailed review or visit their website.
Visit LifeDirect Mortgages
LifeDirect Mortgages
LifeDirect Mortgages Award

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  • Banking & Savings
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      • LifeDirect Mortgages Review
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  • KiwiSaver
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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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  • Essential Money Tips
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      • 10 Hidden and Exorbitant Costs of Living in New Zealand
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    • Money & Relationships
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      • Don’t Let Supporting Your Adult Children Ruin Your Retirement
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
    • Money & Family
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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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      • SortMe Review
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    • Tax
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  • Life Essentials
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      • Free Samples
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    • Kids Eat Free
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      • HelloFresh Review
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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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    • Home & Kitchen
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      • Best Computer Desks
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      • Blinds, Curtains and Drapes Auckland
    • Health & Personal Care
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  • Trade Services
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