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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Buying a Home with Family and Friends - The Definitive New Zealand Guide

​Our comprehensive guide explains joint ownership structures and shared mortgage arrangements, legal considerations and financial planning, benefits, risks, and essential steps to make this significant decision confidently and clearly.
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Updated 16 January 2025
Summary:
  • ​Purchasing a home is a significant financial decision and milestone for many New Zealanders, but for many it takes years to put together a deposit and there are a lot of affordability roadblocks along the way.
  • To put it bluntly, the current state of the housing market in New Zealand is extremely challenging for those seeking affordability. It's a situation where the term 'stuffed' doesn't seem too far-fetched. With skyrocketing housing prices outpacing average income growth, homeownership dreams are becoming increasingly elusive for many New Zealanders.
  • This harsh reality is pushing people to consider unconventional routes, like buying with family or friends, which brings its own set of complexities. It's a market that urgently needs addressing, as it's not just a financial issue but a social one, impacting the quality of life and prospects of a significant portion of the population.
  • ​Our guide explains everything you need to know if you’re considering teaming up with friends and/or family to buy a home. As this is the first version of our guide, we welcome insights, questions and feedback – please email our research team with anything you’d like to contribute.
 
Know This First: What is Joint Home Ownership?
  • Joint home ownership refers to a situation where two or more individuals share the legal ownership of a residential property. This arrangement allows the parties to pool their resources, making it easier to afford a home and share the responsibilities of property ownership, such as mortgage repayments, insurance, repairs and maintenance, and other ongoing expenses.

Our guide covers:
  • Understanding Essential Terms Associated With Joint Home Ownership
  • Buying a Home with Friends or Family Members - Understanding the Pros and Cons
  • Must-Know Facts When Considering Joint Home Ownership
  • Frequently Asked Questions
  • ​‘Bank of Mum and Dad’ Considerations

Moneyhub Founder Christopher Walsh Shares His Views on the Risks of Buying a Home With Friends and Family:

"Entering into a joint home ownership arrangement with family or friends can seem like a smart shortcut to entering the property market, especially in the face of New Zealand's soaring house prices and affordability challenges. However, this path is lined with complexities and potential risks that demand careful consideration.

For those thinking about pooling resources for a home purchase, it's crucial to understand that this is more than a financial partnership; it's a long-term commitment that intertwines your financial stability with others. The initial appeal of shared costs and responsibilities can quickly be overshadowed by the challenges of managing collective financial obligations, particularly if one party faces financial difficulties.

Joint tenancy and tenancy in common, the two primary legal structures for co-ownership in New Zealand, offer distinct implications for ownership and inheritance. Choosing the right structure and drafting a robust property sharing agreement outlining each party's rights, responsibilities, and exit strategies is essential.

Tax implications and the need for adequate insurance coverage when many areas a problematic for insurers, add complexity. Furthermore, the emotional toll and potential for conflicts over property maintenance or financial contributions should not be underestimated.

Before diving into this arrangement, consider the strength and stability of your relationship with potential co-owners. Clear communication, aligned long-term goals, and a mutual understanding of personal space and privacy are non-negotiable.

While joint home ownership can make property ownership more attainable, it's a decision that requires thorough planning, open communication, and a clear understanding of the legal, financial, and personal implications. It's not just a financial decision but an investment in a relationship that will be tested over time. Tread cautiously, and ensure all parties are prepared for the various scenarios that joint home ownership can present - the risks are too high if something goes wrong".
Christopher Walsh MoneyHub Founder

Our guide to Buying a Home with Friends and Family, thanks to our friends at Agreeable

​Why Use Agreeable?
  • Efficient and Cost-Effective: Purchase the agreement for $199 and get access to a user-friendly questionnaire that generates a tailored document you can edit.
  • Professional Assistance: Once you download your agreement, feel free to send it to Agreeable with any questions or changes needed, at no extra cost.
  • Legal Support: Optional legal advice is available to clarify the implications of your agreement, with fixed pricing for a hassle-free experience.
  • You can learn more about their Property Sharing Agreement here.
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Understanding Essential Terms Associated With Joint Home Ownership

Understanding Essential Terms Associated With Joint Home Ownership

Any property purchase requires a lot of planning; the terms below cover borrowing money, legal, tax, insurance and selling (if you decide to do that later on). We outline what you need to know:

1. Home Loan
Unless you’re buying a home all in cash (e.g. no mortgage), you’ll need a home loan. Our resources have more details:
  • Home Loan Options: When buying a property with a family member or friend, it's essential to understand your mortgage options. In New Zealand, several types of loans cater to different needs:
  • Standard Home Loans: These loans suit individuals with stable incomes and good credit histories. They offer competitive interest rates and various repayment options.
  • Low Deposit Home Loans: These loans are designed for borrowers with a smaller deposit, typically 5-20% of the property value. They often come with higher interest rates and may require mortgage insurance. Low-deposit home loans are more common amongst younger New Zealanders who haven't had enough time in the workforce to get to high-income levels or to save a sufficiently large mortgage.
  • Interest-Only Home Loans: These loans only require the borrower to pay the interest charged on the loan balance, not repay the amount borrowed (until the end of the term). These loans are usually harder to obtain from banks but are far easier to manage and meet mortgage payments than regular mortgages.
  • First Home Loans: These loans make buying your first home easier and are typically underwritten by Kainga Ora.

​Important: Are you ready for a mortgage?
Our friends at LifeDirect Mortgages have a useful Mortgage Potential Calculator that gives you a clear snapshot of your borrowing ability in just a few clicks. Whether you're looking for a first home, refinance, moving home or an investment property mortgage, simply enter a few details, and you'll see:
  • Your estimated borrowing amount
  • Monthly, fortnightly, and weekly repayments
  • Your deposit and income breakdown
  • Tips to improve your mortgage readiness

It's easy to use, with clear visuals to help you understand your position. You do not need to enter any personal information.

2. Legal Structure
It's crucial to understand the legal structures available for joint ownership. New Zealand has two primary forms of co-ownership; joint tenancy and tenancy in common:
  1. Joint Tenancy: In this arrangement, all co-owners hold equal and undivided shares in the property. The most notable feature of joint tenancy is the right of survivorship, which means that if one co-owner passes away, their share in the property automatically transfers to the surviving co-owner(s). Couples or close family members commonly use joint tenancy.
  2. Tenancy in Common: This form of joint home ownership allows co-owners to hold separate and distinct shares in the property, which can be equal or unequal. Each co-owners share can be transferred, sold, or bequeathed independently without affecting the interests of the other co-owners. Tenants in common are often used among friends, unrelated individuals, or business partners.

You'll also need to consider getting a property sharing agreement, which is a property ownership agreement that outlines the rights and responsibilities of each co-owner. It's crucial to draft an agreement to protect each party's interests and avoid disputes. The agreement should include the following:
  • Ownership structure (touching on joint or tenancy in common as discussed above).
  • Ownership shares for each party.
  • Contributions to the deposit, mortgage repayments, and ongoing expenses.
  • Maintenance and repair responsibilities.
  • Decision-making processes.
  • Procedures for resolving disputes.
  • Guidelines for selling or transferring ownership.
 
3. Tax Implications
When buying a property with a family member or friend, it's essential to understand the tax implications. Some key factors to consider are:
  • Bright-line Property Rule: New Zealand does not have a capital gains tax, but the government introduced the "bright-line test" in 2015 and later revised by the National Government in 2024. This test requires income tax to be paid on any gains from residential property sold within a specific timeframe, excluding the family home or inherited property. Our bright-line test guide explains more.
  • Income Tax Deductibility: If you’re buying a property as an investment, rental income must be declared in each co-owners annual tax return. Expenses related to the property can be deducted against this income.

4. Insurance
Adequate insurance coverage is crucial for any property purchase - being underinsured risks your investment should disaster strike. Before buying any property, you'll need to consider the following types of insurance:
  • Home Insurance: This type of insurance covers the building in the event of damage, theft, or loss.
  • Home and Contents Insurance: This type of insurance covers the building and personal belongings in the event of damage, theft, or loss.
  • Mortgage Protection Insurance: This type covers mortgage repayments if a co-owner cannot work due to illness.
  • Landlord's Insurance: If the property is rented out, landlord's insurance can provide coverage for loss of rent, tenant-related damage, and legal expenses.
 
5. Exit Strategy
Ensure you have an exit strategy before buying with family or friends. Before buying a property with a family member or friend, discussing and agreeing on an exit strategy is essential. Circumstances can change, and having a plan in place can help mitigate potential conflicts. Some common scenarios include:
  • One co-owner wants to sell their share: The property sharing agreement should outline the process for valuing the property and finding a suitable buyer. It could also include a right of first refusal, allowing the remaining co-owner(s) to buy the share first.
  • One co-owner cannot meet their financial obligations: The agreement should specify the steps to be taken in this situation, such as allowing the other co-owner(s) to cover the costs temporarily or forcing the sale of the property.
  • Relationship breakdown between co-owners: The agreement should include a dispute resolution process and provisions for dissolving the co-ownership arrangement.

Buying a Home with Friends or Family Members - Understanding the Pros and Cons

Buying a Home with Friends or Family Members - Understanding the Pros and Cons

​Buying a home with friends or family members can be an attractive option for several reasons:

1. Affordability
  • By pooling your financial resources together, you'll be able to accumulate a larger deposit (and therefore afford a larger or better-located property) than what you could buy on your own.
  • Sharing the deposit costs, mortgage repayments, and ongoing expenses can make homeownership more accessible and manageable than just buying a property alone. Additionally, it acts as a form of diversification in case one of you loses your job.

2. Shared responsibilities
  • Owning a home involves various responsibilities, such as maintenance, repairs, and mortgage payments. By purchasing a property with friends or family members, you can divide these tasks among the co-owners, making the process more manageable and less time-consuming for each individual.

3. Getting on the property ladder earlier
  • Buying a property with family or friends can mean that you can get on the property ladder far earlier than buying a property alone. A joint home purchase can be a smart investment strategy, as property values generally appreciate over time.
  • In addition, by sharing the ownership, you and your co-owners can benefit from potential capital gains and rental income (if the property is rented out) far earlier than if you were to buy on your own.
  • Know This: The hard reality of New Zealand's housing market is that first time buyers continue to have it tough, as explained in this August 2023 article from interest.co.nz. Teaming up with a friend or family member is, for many, the only way to have a chance of buying a house. 

4. Emotional support
  • While home ownership can be incredibly valuable and worthwhile, it comes with much stress and effort. Buying a home isn't just a significant financial decision but an emotional one too. Sharing this experience with trusted friends or family can provide valuable emotional support and make the process more enjoyable.
 
However, there are risks and disadvantages:

1. Financial risk
  • When entering a joint property ownership arrangement, co-owners are financially interdependent. For example, if one party encounters financial difficulties or defaults on their mortgage payments, the other co-owner(s) may be liable for the outstanding debt.

2. Disagreements and conflicts
  • Co-owning a property can lead to disagreements and conflicts over various issues, such as property maintenance, financial contributions, and decision-making. Therefore, it's crucial to have a robust property sharing agreement (as this government example shows) in place to help manage and resolve disputes. We suggest looking at the Agreeable option which is a paid service and flexibile.

3. Changes in personal circumstances
  • Life events such as job loss, marriage, divorce, or having children can impact the co-ownership arrangement. These changes may necessitate renegotiating the property ownership agreement or implementing an exit strategy. Ensure your property sharing agreement has specific provisions for these instances so each co-owner knows what to expect.

4. Reduced personal space and privacy
  • Depending on the property's layout, living with a family member or friend (assuming the co-owners choose to live in the property they purchased) may result in reduced personal space and privacy.
  • While this may be fine for friends with no dependents, this may not work for multiple families with children. Therefore, it's essential to consider whether the co-ownership arrangement suits your lifestyle and needs.

What other factors should I consider before diving into co-ownership?

  • Relationship dynamics: Before entering a joint property ownership agreement, honestly ask yourself how strong your relationship is with your potential co-owner. It's one thing to care for and support a family or friend, but it's another to invest a substantial portion of your net worth alongside this person. Therefore, assessing the strength and stability of your relationship with your co-owner is essential. A strong, trusting relationship is crucial for successful co-ownership.
  • Communication: Open and honest communication ensures a successful co-ownership arrangement. If you decide to co-invest with a family member or friends, ensure you're comfortable regularly discussing finances, property maintenance, and other responsibilities to avoid misunderstandings and conflicts.
  • Long-term goals: Consider your long-term goals and whether joint property ownership aligns with your plans. For instance, if you plan to move overseas or start a family soon, it may not be the right time to enter a joint property agreement.
  • Property management: If you intend to rent out the property or a portion of it, consider the logistics of property management. Will one of the co-owners take responsibility for managing the property, or will you hire a property manager? Be sure to outline these responsibilities in the property ownership agreement.

Our guide to Buying a Home with Friends and Family, thanks to our friends at Agreeable

​Why Use Agreeable?
  • Efficient and Cost-Effective: Purchase the agreement for $199 and get access to a user-friendly questionnaire that generates a tailored document you can edit.
  • Professional Assistance: Once you download your agreement, feel free to send it to Agreeable with any questions or changes needed, at no extra cost.
  • Legal Support: Optional legal advice is available to clarify the implications of your agreement, with fixed pricing for a hassle-free experience.
  • You can learn more about their Property Sharing Agreement here.
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Visit Agreeable

Must-Know Facts When Considering Joint Home Ownership

Must-Know Facts When Considering Joint Home Ownership

1. Make sure to review the property ownership agreement regularly

​Life circumstances can change, and it's crucial to revisit the property ownership agreement periodically. This periodic review ensures that the agreement remains relevant and accurately reflects the co-owners current financial contributions, responsibilities, and preferences.

2. Set up a joint bank account for property expenses

​Consider setting up a joint bank account to simplify the management of property-related expenses. Each co-owner can contribute a pre-agreed amount to this account regularly, covering mortgage repayments, property maintenance, insurance premiums, and other ongoing costs. Separating your property finances into a separate bank account ensures that you've got a clear trail of payments and will help to prevent confusion when splitting mortgage payments, maintenance or insurance payments. 

3. Maintain transparency in financial matters

​Openness and transparency in financial matters are critical to maintaining the relationship with your co-investors and avoiding disputes. Ensure all co-owners can access mortgage statements, property-related bills, and other relevant financial information. If one of you thinks you might get into financial troubles in the near term, make sure that you're all aware and comfortable sharing these details as soon as possible (as the impact of this will be felt by all of you).

4. Establish boundaries and respect personal space

​Depending on the living arrangements, establishing boundaries and respecting each co-owners personal space might be necessary. Discuss and agree on rules for communal areas, quiet hours, and visitors to maintain a harmonious living environment (similar to living with flatmates).

5. Seek mediation if disputes arise

Despite the best intentions and preparation, disputes may arise between co-owners. In such cases, seeking mediation advice to help resolve the conflict and preserve the relationship can be beneficial. Regarding rights and obligations, ensure you're fully aware of the laws you must follow as a landlord.

This guide to mediation gives you the opportunity to settle disputes without taking them to court, is a helpful starting point. If you later consider court options, the guide has more details about the trade-offs, costs, why you would, and when it makes sense etc.

6. Be prepared for unexpected events

​Life is unpredictable, and unforeseen events can impact your co-ownership arrangement. Ensure that you (and your co-owners) have an emergency fund and insurance policies to cover any unexpected expenses or changes in circumstances.

7. Celebrate milestones and achievements

​Joint property ownership can be a tough journey, so it's essential to celebrate milestones and achievements along the way. Whether paying off a portion of the mortgage, completing a home renovation, or enjoying a positive return on investment, acknowledging your accomplishments can strengthen your co-ownership relationship.

8. Don’t take joint ownership lightly

​Just like how buying a home is a huge financial decision, deciding to co-invest alongside a friend or family member is just as significant. The decision to purchase a home with a family member or friend is not taken lightly. By co-investing with another third party, you're effectively joined at the hip regarding any decisions affecting the property. Make sure you consider the quality of the person you're buying the home alongside. You're not just buying a house - you're making a substantial investment into an asset and a relationship with a specific person/third party.

Common Questions for Anyone Considering Joint Home Ownership

Frequently Asked Questions

Our list of common questions below is limited - if you have any questions or don't understand something, make sure you understand before signing any document.

If I have a bad credit history, can I buy a home with a family member or friend?

​Buying a home with a family member or friend may be possible if you have a bad credit history, but it could impact the mortgage application. Lenders assess the credit history of all applicants when determining loan eligibility and interest rates, alongside affordability (e.g. how much you earn vs how much you spend). Having a co-borrower with good credit could help offset the impact of bad credit, but it may still result in higher interest rates or stricter lending conditions.

How do we determine the value of each co-owners share?

Each co-owners share value is typically determined by their financial contributions to the property purchase and ongoing expenses. These contributions should be outlined in the property sharing agreement. When selling or transferring ownership, it may be necessary to obtain an independent valuation to determine the current market value of the property.

How does buying a property with a family member or friend affect my eligibility for government grants or schemes?

Eligibility for government grants and schemes, such as the First Home Grant or the First Home Loan, depends on individual circumstances and the specific criteria of each programme. For example, when buying a property with a family member or friend, your eligibility may be affected if one or both parties have previously owned a home, exceed income or asset limits, or do not meet other requirements.

Can we rent out a portion of the property to help cover mortgage repayments and expenses?

Renting out a portion of the property can effectively generate income and cover mortgage repayments and expenses. However, it's important to consider the tax implications of rental income and ensure that local zoning laws and property covenants permit this arrangement. Additionally, the property sharing agreement should outline the responsibilities and income distribution related to renting the property.

What happens if one co-owner dies?

​If one co-owner dies, their share of the property will be distributed according to the ownership structure.
  • In a joint tenancy, the deceased's share automatically passes to the surviving co-owner(s).
  • In a tenancy in common, the deceased's share is distributed according to their will or intestacy rules.
It's essential to consider these scenarios when drafting the property ownership agreement and ensure that all co-owners have appropriate estate planning.

‘Bank of Mum and Dad’ Considerations

‘Bank of Mum and Dad’ Considerations

It’s common in New Zealand for family members to help others out when it comes to buying a home. However, many people are uncertain about how to proceed. We suggest reading this resource for more information.

If you’re considering giving a family member some money to help them buy a house, most people in a similar situation want to strike the right balance between helping out family members and not giving up too much. The two main factors you’ll need to consider are:
  1. The method of support (e.g. gifting money for the deposit, co-investing, acting as a guarantor to the property, etc.)
  2. The main implications of your support (bright-line test, family trust options, tax implications, eligibility criteria for other incentives etc.)

The main steps you'll need to take to help you achieve a balance between helping out a family member and not giving up too much include:
  • Assessing your financial situation: Before agreeing to provide a house deposit, evaluate your current financial position and ensure you can afford to part with the funds without compromising your financial goals, retirement plans, or emergency savings.
  • Determine a comfortable amount to provide: Decide on a specific amount or percentage of the deposit you feel comfortable providing. This amount should not jeopardise your financial well-being or create undue pressure on your finances.
  • Decide whether you want a loan or a gift: Determine whether you want to provide the deposit as a gift. If you offer it as a loan, establish clear terms and conditions, including interest rates, repayment schedules, and any collateral. If you decide to give the deposit as a gift, be aware that you may lose control over the funds and may not have a say in how the money is used or repaid.
  • Establish clear expectations with your family member: Communicate your expectations to your family member, including any repayment terms, responsibilities, and potential consequences if the terms are not met. This clarity can help prevent misunderstandings and conflicts in the future.
  • Put everything in writing: Regardless of whether you choose to provide the deposit as a loan or a gift, it is essential to have a written agreement outlining the terms and conditions. This documentation can serve as a reference point and help resolve any disputes.

Our guide to Buying a Home with Friends and Family, thanks to our friends at Agreeable

​Why Use Agreeable?
  • Efficient and Cost-Effective: Purchase the agreement for $199 and get access to a user-friendly questionnaire that generates a tailored document you can edit.
  • Professional Assistance: Once you download your agreement, feel free to send it to Agreeable with any questions or changes needed, at no extra cost.
  • Legal Support: Optional legal advice is available to clarify the implications of your agreement, with fixed pricing for a hassle-free experience.
  • You can learn more about their Property Sharing Agreement here.
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Visit Agreeable

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  • Mortgage Rates
  • Renting vs Buying a Home
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  • Loans & Finance
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  • Insurance
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      • Reviews & Policy Comparisons
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    • Students Insurance
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  • Credit Cards
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    • Reviews
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        • Where is AMEX Accepted?
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        • Qantas Credit Cards
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        • RewardPay Review
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    • Travel Money By Country
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  • Banking & Savings
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    • Savings
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    • Guides and Resources
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    • Reviews
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  • Mortgages
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    • Mortgage Brokers
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      • LifeDirect Mortgages Review
    • Buying a Home
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    • Building a House
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  • KiwiSaver
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      • Free $500+ Government Money for KiwiSaver
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      • KiwiSaver Must-Know Facts
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    • KiwiSaver Calculators
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  • Business
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    • Business Calculators & Resources
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    • For Startups
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  • MSD
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  • Motoring
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      • Turners Cars Review
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    • Car Dealerships Explained
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      • Buyer’s Guide for the 2023 Toyota Hilux
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    • Warrant of Fitness
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  • Law
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  • Travel
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    • Air New Zealand Specific
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    • Lounges, Upgrades, Car Hire & More
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    • Best of New Zealand
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    • Hotels & Dining
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    • Foreign Currency Exchange
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  • Travel Insurance
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      • Australia and the Pacifc
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      • Americas & Africa
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      • Europe
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    • Specific Risk Cover
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    • Essential Information
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      • How to Renew a New Zealand Passport
      • What is TAANZ?
      • Travel Packing List
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  • Mobile & SIM
    • Compare Mobile Plans
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    • Apple Watch Buying Guide
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    • Best iPhone Plans
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  • Broadband
    • Compare Broadband Plans
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    • Internet Speed Test
    • Broadband Provider Reviews
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      • Skinny Review
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      • Starlink Review
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  • Power
    • Compare Power Companies
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    • 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
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      • Genesis Energy Review
      • Globug Review
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      • Nova Energy Review
      • Powershop Review
      • Z Energy Power Review
  • Essential Money Tips
    • Must-Read Lists & Tips
      • 10 Things to Do Differently with Money in 2025
      • 10 Signs You’re in Financial Danger
      • 20 Indicators You're Doing Well Financially
      • 20 Things to Stop Buying to Have More Money
      • 20 Must-Know Money Lessons (Learned From Experience)
      • 20 Frugal Decisions That Often Backfire
      • 20 Money Habits that Keep You Poor
      • 20 Supermarket Ripoffs
      • 20 Ways to Save on Household Bills
      • 10 Hidden and Exorbitant Costs of Living in New Zealand
      • 10 Simple Financial Steps with Massive Future Payoffs
    • Money & Relationships
      • Bailing Out Your Partner Financially
      • Financial Red Flags in a Relationship
      • Don’t Let Supporting Your Adult Children Ruin Your Retirement
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
    • Money & Family
      • Teaching Kids About Money
      • Single Parenting and Money
      • Tips for Families on a Single Income
      • Financial Planning for Children With Disabilities
    • Valuable Insights
      • Why Am I Not Wealthy?
      • Can the Average New Zealander Become a Millionaire?
      • Money Habits Keeping You in the Rat Race
      • 15 Great Things New Zealanders Can be Optimistic About
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      • How to Handle Rising Interest Rates
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      • Stealth Wealth
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      • Average NZ Salary by Age
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      • Dental Costs
      • Charities in New Zealand
      • Trade Me Alternatives
    • Challenging Economic Conditions
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      • How to Protect Your Finances from Inflation
      • Impacts of Inflation in New Zealand
      • Layoffs, Redundancies and Restructures - Your Rights and Next Steps
      • Graduating Without a Job
      • Should I Stop Contributing to KiwiSaver?
  • Financial Independence
    • FIRE Guides
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      • How to Retire Early
      • FIRE Explained
      • The Four Percent Rule
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      • Five Types of FIRE Plans
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      • FIRE and NZ Real Estate
    • FIRE Tools
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      • SortMe Review
    • Repaying Debt
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      • CAP (Christians Against Poverty) Review
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      • Getting into Debt to Meet Short Term Living Costs
      • Bankruptcy Guide
    • Tax
      • Beginner's Guide to Tax
      • Salary Sacrifice in New Zealand
      • Tax Bracket Creep
      • Choosing an Accountant
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  • Life Essentials
    • Money & Income Ideas
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      • Make Money Online
      • Paid Survey Websites Review
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        • Nielsen Homescan Review
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        • Valued Opinions Review
        • Opinion World Review
        • Triaba New Zealand Review
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      • Free Samples
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      • Hosting International Students
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    • Kids Eat Free
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    • Meal Kits & Supermarkets
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      • HelloFresh Review
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      • Online Supermarkets
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      • Supermarket Christmas Clubs
        • Countdown Christmas Club Vouchers
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    • Entertainment
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      • Disney+ Review
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    • Consumer Rights
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      • Tenant and Landlord Obligations & Rights
    • School Holiday Activities
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    • Shopping Resources
      • 65+ Best Online Shopping Websites in New Zealand
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    • Living Essentials
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    • Wedding Resources
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    • Home & Kitchen
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