MoneyHub NZ
  • Search
  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Jarden Direct Review
        • InvestNow Review
        • Kernel Review
        • Flint Wealth Review
        • Interactive Brokers
        • Smartshares Review
        • Catalist Review
      • Comparisons
        • Sharesies vs Hatch vs Stake
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Jarden Direct and more
        • Best Investment Apps
        • How Do I Start Investing?
        • Virtual Stocks and Shares Trading Games
      • Guides
        • How to Invest in Shares
        • Investing in Vanguard Funds from New Zealand
        • Investing in the US Stock Market from New Zealand
          • How To Buy Tesla Shares
          • How To Buy Apple Shares
          • How To Buy Amazon Shares
          • How To Buy Alphabet Shares
          • How To Buy Netflix Shares
          • How To Buy Microsoft Shares
          • How To Buy Meta Shares
        • What Happens If Your Investing Platform Shuts Down?
        • Fractional Shares
        • Transferring Share Portfolios
        • How to Read and Understand a Share Chart
        • NZX in a Nutshell
        • Investing in Asian Markets from New Zealand
        • Understand Gross vs Net
    • Introduction to Investing
      • Guides
        • Index Funds
        • 10 Ways to Invest in New Zealand
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • ETFs (Exchange Traded Funds)
        • Best Retirement Income Products in New Zealand
        • Index Funds vs ETFs
        • Shares vs ETFs
        • Dollar-Cost Averaging Guide
        • Passive Income Strategies
        • How Wealthy New Zealanders Invest Their Money
        • The Best Way to Invest Inheritance or a Windfall
        • Barefoot Investor-Friendly Financial Products in New Zealand
        • Investment Terms Glossary
        • IPOs
        • Investing in Dividend Shares
        • Common Shareholder Numbers in New Zealand
        • Shorting a Stock
        • Investing vs Trading vs Gambling
      • Young People and Investing
        • Investing for Kids
        • Investing For Grandchildren
        • 10 Top Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
        • Dosh Review
      • Investing Calculators
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Investing Guide
        • Our Favourite Funds
        • Advisers
          • Financial Advisers Overview
          • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
          • Financial Advisers Auckland
          • Financial Advisers Wellington
          • Financial Advisers Christchurch
        • Bank Credit Ratings
        • Tax on Investments and Savings
        • Capital Gains Tax
        • Bright-Line Test
        • Ethical Investing
        • Best ESG Funds
        • Asset Allocations to Build Wealth
        • Managing Offshore Investments for Returning New Zealanders and Migrants
        • Managed Funds
          • Booster Private Land and Property Fund Review
        • How to Buy and Sell Bonds
        • Buying NZ Corporate Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowd Funding Guide
        • REITs Guide
        • Jasper Review
        • Investing & Personal Finance Podcasts
        • Emergency Funds
        • UK Pension Transfer to New Zealand
        • Returning to the UK from NZ
        • Spending Your Savings in Retirement
        • How to Take Income from Investments
        • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
        • Investment Scams
        • Investing in Recession-Proof Sectors and Asset Classes During a Downturn
        • Hedging Investments
        • Top Personal Finance Books for New Zealanders
        • Top Ten Personal Finance Resources
      • Reviews
        • Simplicity Investment Funds Review
        • Lending Crowd Review
        • Squirrel Review
        • Sharesight Review
        • Lifetime Retirement Income
        • New Zealand Financial Markets Authority (FMA)
      • Calculators
        • Managed Funds Fee Calculator
        • Basis Points Calculator
        • Inflation Calculator
        • Retirement Calculator New Zealand
    • Alternative Investments and Trading
      • Reviews
        • BlackBull Markets Review
        • CMC Markets Review
        • Plus500 Review
        • IG Review
        • TMGM Review
        • CMC Markets vs Plus500 vs IG Markets vs BlackBull Markets
      • Guides
        • How to Invest in Gold
        • How to Invest in Silver
        • Forex Trading Guide
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Forex Trading Tools
        • Forex Trading Platforms Comparison
        • Forex Trading Courses and Education
        • Forex Regulation
        • Copy Trading
    • Cryptocurrency
      • Reviews
        • Easy Crypto Review
        • Swyftx Review
        • Binance Review
        • Easy Crypto vs Swyftx
        • Independent Reserve Review
        • eToro Review
        • Coinbase Review
        • Kiwi-Coin Bitcoin Exchange Review
        • Vault International Bitcoin Fund Review
      • Guides
        • How to Buy Bitcoin in New Zealand
        • Beginner's Guide to Bitcoin and Blockchain
        • Guide to NFTs
        • Bitcoin Wallet Guide
        • Bitcoin Mining
        • How to Sell Bitcoin
        • Bitcoin and Crypto Scams
        • Initial Coin Offerings
        • A Beginner’s Guide to Investing in Cryptocurrencies
        • Decentralised Finance
        • Bitcoin in New Zealand
        • New Zealand Bitcoin Exchanges
        • How to Buy Ethereum in New Zealand
        • Other Coins
          • How to Buy Ripple in New Zealand
          • How to Buy Cardano in New Zealand
          • How to Buy Dogecoin in New Zealand
          • How to Buy Litecoin in New Zealand
          • How to Buy Polkadot in New Zealand
  • Loans & Finance
    • Car Finance
      • Car Finance Calculator
      • Electric Vehicle Loans
      • How to Refinance Your Car Loan
      • Car Loan Refinance Calculator
      • Car Dealership Finance vs Alternatives
      • Bad Credit Car Loans
      • Car Finance Company Reviews
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • MTF Finance Review
        • Simplify Loans Review
        • Car Loan Brokers vs Direct Car Finance
      • Car Finance Must-Knows Guides
        • Buying a Car Loan vs Personal Loan?
        • Car Loans and Collateral
        • Car Loan Guarantors
        • How to Save for a Car
        • Paying Cash for a Car vs Car Finance
        • Balloon Payments
      • Car Finance Add-On Insurance Guides
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • MBI (Mechanical Breakdown Insurance)
        • PPI (Payment Protection Insurance)
    • Personal Loans
      • Debt Consolidation Loans
      • Secured Loans
      • Home Renovation Loans
      • Online Loans
      • Bad Credit Loans
      • Beneficiary Loans
      • Payday Loans
      • Cash Advance
      • Same Day Loans
      • Low Income Loans
      • Personal Loan Calculator
      • Debt Consolidation Calculator
      • Refinance Personal Loan Calculator
      • Home Renovation Loan Calculator
      • Interest Calculator
      • Harmoney Loans Review
      • Nectar Review
      • Avanti Finance Review
      • Save My Bacon Review
    • Credit Scores & Interest Rates
      • Credit Scores and Credit Checks
      • How to Build Credit in New Zealand
      • How to Pay Down Debt Faster
      • Baycorp and Debt Collection
      • Interest Rates Guide
      • Interest Rate Comparison
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Car Insurance
      • Guides
        • How to Get Cheaper Car Insurance
        • Car Insurance Calculator
        • No Claims Bonuses Explained
        • Car Insurance Excess Explained
        • Cheapest Cars to Insure
        • Modifications that Make a Car Uninsurable
        • Car Insurers Directory
        • Car Insurance Glossary
      • Reviews
        • Tower Car Insurance Review
        • Cove Car Insurance Review
        • Trade Me Car Insurance Review
      • AMI vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
      • Young Driver Car Insurance
      • Third Party Car Insurance
      • Caravan Insurance
    • Home, Contents and Other Insurance
      • House Insurance
      • House Insurance Calculator
      • Difficult to Insure Areas
      • Insuring Old Houses
      • Contents Insurance
      • Home and Contents Insurance
      • Renters' Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Motorbike Insurance
      • Initio Review
      • Insurance Brokers
        • Trusted Insurance Brokers in Wellington
        • Trusted Insurance Brokers in Christchurch
    • Pet Insurance
      • Is Pet Insurance Worth Buying?
      • Cat and Dog Desexing
      • Getting a Kitten
      • Buying a Puppy
      • Pet Euthanasia
      • Vet Costs in New Zealand
      • Costs of Owning a Cat
      • Costs of Owning a Dog
    • Life & Health Insurance
      • Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • Life Insurance Calculator
        • Pre-Existing Medical Conditions
        • Buying Life Insurance Direct vs Using an Insurance Broker
        • Life Insurance Policies - Features and Questions to Ask
        • When To Cancel Or Change a Life Insurance Policy
        • Life Insurance For Smokers and Vapers
      • Health Insurance
        • Going to Australia for Medical Treatment
      • Income Protection Insurance
        • ACC vs Income Protection Insurance
        • Income Protection Insurance for Self Employed
      • Mortgage Insurance
      • Trauma Insurance
      • Redundancy Insurance
      • Funeral Insurance
        • What to Do When a Spouse or Partner Dies
        • Funeral Costs
  • Credit Cards
    • Best Credit Cards
    • Rewards and Cashback Credit Cards
    • The Best American Express Credit Cards
    • Air New Zealand Airpoints Credit Cards
      • ANZ vs AMEX vs Kiwibank vs Westpac Platinum Airpoints Credit Cards
      • ANZ Airpoints Visa Platinum vs AMEX Airpoints Platinum
      • Kiwibank Airpoints Platinum Visa vs AMEX Airpoints Platinum
      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
    • Balance Transfer Credit Cards
    • Platinum and Gold Credit Cards
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
        • Singapore Airlines KrisFlyer Credit Cards
        • Cathay Pacific Asia Miles Credit Cards
        • Emirates Skywards Credit Cards
        • RewardPay Review
      • Flight Centre Mastercard Review
    • Guides
      • Pay Off Credit Card Debt
      • Credit Card Basics
      • Mastercard vs Visa
      • Credit Card Minimum Payments Explained
      • Where is Amex Accepted?
      • Credit Card Interest Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • Travel Money Cards
        • Australia Travel Money
        • Bali Travel Money
        • Fiji Travel Money
        • Rarotonga Travel Money
        • UK Travel Money
      • Wise Debit Card Review
      • Revolut Review
      • Revolut vs Wise - Which Is Better?
      • Travelex Money Card vs Wise Debit Card Comparison
      • OneSmart Card vs Wise Debit Card Comparison
      • Cash Passport vs Wise Debit Card Comparison
      • Best Foreign Currency Debit & Credit Cards
      • Free Credit Cards
      • Low Interest Credit Cards
      • Credit Cards for Bad Credit
      • Q Card & Q Mastercard Review
      • GEM Visa Review
      • Onecard Visa Review
      • Purple Visa Review
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • International Money Transfers
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
    • Savings
      • Best Term Deposits
      • Booster Savvy Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Guide
      • NZ Bank Prefix Codes
    • Reviews
      • Wise Money Transfer Review
      • Heartland Bank Review
      • First Credit Union Review
      • NZCU Baywide Review
      • The Co-operative Bank NZ Review
      • Western Union Review
  • Mortgages
    • Mortgage Essentials
      • Best Home Loans
      • Mortgage Calculator
      • How Much Can I Borrow?
      • Debt to Income Ratios
      • Equity (and Leverage) Calculator
      • Mortgage Repayment Calculator
      • Mortgage Options
      • Mortgage Cashback
    • Other Mortgage Options
      • Interest-Only Mortgages Guide
      • Interest-Only Mortgage Calculator
      • Revolving Credit Mortgages
      • Offset Mortgages
      • Offset Mortgage Calculator
      • Fixed vs Floating Mortgage Rate Calculator
      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
      • Low-Deposit Home Loans
      • Rent to Own Homes
      • First Home Loan Guide
      • Reverse Mortgages
    • Mortgage Management
      • Saving for a House Deposit
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • Remortgaging Guide
      • Mortgage Relief and Holidays
      • Amortisation Calculator
      • Mortgage Break Fees
      • Defaulting on a Mortgage
      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
      • Mortgage Brokers Explained
      • Trusted Auckland Mortgage Brokers
      • Trusted Hamilton Mortgage Brokers
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers in Christchurch
    • Buying a Home
      • First Home Buyers Checklist
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
      • Buying an Apartment in New Zealand
      • Buying vs Renting a House
    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • Investment Property Mortgages
      • Renting Directly to Tenants vs Using an Agent
    • Building a House
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Our Favourite KiwiSaver Funds
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Switching KiwiSaver Funds
      • KiwiSaver Robo and Digital Advice Tools
      • Ethical Kiwisaver Funds
      • KiwiSaver Private Equity Investments
    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
      • KiwiSaver Contributions - Gross or Net?
      • Employer KiwiSaver Contributions
      • Government KiwiSaver Contributions
      • KiwiSaver Savings Suspensions
      • Voluntary Contributions
      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
      • Average KiwiSaver Balance by Age
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
    • KiwiSaver Schemes
      • Amanah KiwiSaver Scheme
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • InvestNow KiwiSaver Scheme
      • JUNO KiwiSaver Scheme
      • Kernel KiwiSaver Review
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • Lifestages KiwiSaver Scheme
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • Nikko AM KiwiSaver Scheme
      • Pathfinder KiwiSaver Review
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
      • KiwiSaver Calculator
      • KiwiSaver Returns Calculator
  • Business
    • Compare Business Loans
      • Business Line of Credit
      • Business Borrowing Options
      • Small Business Loans
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
    • Business Insurance
      • Public Liability Insurance
      • Business Interruption Insurance
      • Professional Indemnity Insurance
    • Business Credit Cards
    • Business Essentials
      • Money Saving Tips For Businesses
      • Get Debtors to Pay Overdue Invoices
      • Working Capital
      • Liquidations and Receiverships
      • Can't Make Payroll Guide
      • Buying out a Business Partner
      • Business Brokers
    • Business Calculators
      • Business Loan Calculator
      • ROI Calculator
      • IRR Calculator
      • Internal Rate of Return
      • Percent Off Calculator
      • Profit Margin Calculator
      • Current Ratio Calculator
      • Quick Ratio Calculator
    • Online Services
      • Domain Names
      • Trusted Web Designers
        • Auckland Web Designers
        • Hamilton Web Designers
        • Wellington Web Designers
        • Christchurch Web Designers
        • Tauranga Web Designers
        • Lower Hutt Web Designers
        • Dunedin Web Designers
      • Digital Identity Programs and Online Verification Tools
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
    • For Startups
      • How to Start a Business in New Zealand
      • Raising Capital
      • Product Market Fit
      • Crowdfunding vs Bank Financing
      • Blackbird vs Movac
      • How to Become an Angel Investor
      • How to Raise Money from Angel Investors
      • Alternatives to VC Funding
      • Hiring for a Startup
      • VCFO (Virtual CFO)
      • New Zealand Startup and Founder Incubators
      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
  • MSD
    • Navigating Work and Income Benefits
    • Jobseeker Support Benefit Rates 2023 and 2024
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • Disability Allowance
    • MyMSD
    • Community Services Card
    • Hardship Assistance - Urgent Costs and Living Expense Assistance
    • Loans for Unemployed
    • Working for Families Guide
    • Childcare Subsidies in New Zealand
    • NZ Superannuation in a Nutshell
    • Superannuation Rates 2023
    • Government Departments Helping New Zealanders Directly
    • COVID-19 Help
    • Food Grants Guide
    • Food Banks Directory
      • Food Banks Auckland
      • Food Banks Northland
      • Food Banks Hamilton Waikato
      • Food Banks Wellington
      • Food Banks Christchurch
  • Motoring
    • Buying and Selling a Car
      • Car Valuations
      • Buying a Used Car
      • Selling a Car
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
      • Car Registration in New Zealand
    • Everyday Driving
      • Costs of Owning a Car
      • 20 Ways to Make Driving Cheaper
      • Gaspy App Review
      • Parking Tickets
      • AA Membership Review
      • Best Car Batteries
      • Best Electric Cars
    • Warrant of Fitness
      • Guide to Warrant of Fitness
      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
      • Warrant of Fitness Tauranga
      • Warrant of Fitness Lower Hutt
      • Warrant of Fitness Wellington
      • Warrant of Fitness Christchurch
      • Warrant of Fitness Dunedin
  • Law
    • Wills Guide
    • Separation Agreements
    • Prenuptial Agreements
    • Divorce Guide
    • Trusts Guide
    • Enduring Power of Attorney Guide
    • Living Wills Guide
    • Probate
    • Agreeable Review
    • Footprint Online Wills Review
    • Perpetual Guardian
  • Job Hunting
    • Job Applications
      • CV Templates & Tips
      • Cover Letters
      • Common Interview Questions
    • Guides & Resources
      • How to Improve Your LinkedIn Profile
      • Part-Time Jobs Guide
      • Redundancy Payouts and Entitlements
      • How to Get Promoted
      • Self-Employment Guide
      • Workplace Bullying
    • Recruitment Agencies
      • Recruitment Agencies Auckland
      • Recruitment Agencies Wellington
      • Recruitment Agencies Christchurch
  • Travel
    • How to Get Access to Airport Lounges
    • Flybuys Review
    • Fastest Way To Earn Air NZ Status Points
    • How to Redeem Air New Zealand Airpoints Dollars
    • Air New Zealand Koru Membership Review
    • Air New Zealand Travel Tips
    • Air NZ Upgrade Guide
    • Airpoints Flexipay Guide
    • No Nonsense Upgrade Guide
    • Cheap Domestic Flights
    • Car Rental Hire
    • Auckland Airport Car Parking
    • First Table Guide
    • Accor Plus Review
    • Queenstown Like a Local
    • Auckland Travel for Less
    • Hotel Booking Sites Compared
    • 100+ Free Things to do in Auckland
    • Layby Flights Guide
    • Airbnb Refunds (Coronavirus)
    • Air New Zealand Refunds & Credits
    • Google Flights Guide
    • Skyscanner Guide
    • Working Holiday Visas
    • Currency Converter
    • Qatar Airways Travel Tips
    • Foreign Currency Exchange
      • Australian Dollars Exchange Rate
      • American Dollars Exchange Rate
      • British Pound Exchange Rate
      • Canadian Dollars Exchange Rate
      • Euro Exchange Rate
      • Fijian Dollars Exchange Rate
      • Hong Kong Dollar Exchange Rate
      • Korean Won Exchange Rate
      • Indian Rupee Exchange Rate
      • Japanese Yen Exchange Rate
      • Malaysian Ringgit Exchange Rate
      • South African Rand Exchange Rate
      • Singapore Dollars Exchange Rate
      • Thai Baht Exchange Rate
      • Chinese Yuan Exchange Rate
  • Broadband
    • Compare Broadband Plans
    • No Contract Broadband
    • Rural Broadband Plans
    • Internet Speed Test
    • Broadband Provider Reviews
      • 2degrees Broadband Review
      • Bigpipe Broadband Review
      • Compass Broadband Review
      • Contact Broadband Review
      • Electric Kiwi Broadband Review
      • Farmside Broadband Review
      • Flip Broadband Review
      • Mercury Broadband Review
      • MyRepublic Broadband Review
      • NOW Broadband Review
      • One NZ Broadband Review
      • Orcon Broadband Review
      • Spark Broadband Review
      • Skinny Review
      • Slingshot Broadband Review
      • Starlink Review
      • Voyager Broadband Review
      • Wireless Nation Broadband Review
  • Power
    • Compare Power Companies
    • Power and Broadband Bundles
    • How to Lower Your Power Bills
    • Fixed Contracts vs Open Power Plans – What You Need to Know
    • Electric Vehicle Power Plans
    • How to Use Less Power
    • Power Companies
      • Contact Energy Review
      • Ecotricity Review
      • Electric Kiwi Review
      • Flick Electric Review
      • Frank Energy Review
      • Genesis Energy Review
      • Globug Review
      • Mercury Review
      • Meridian Energy Review
      • Nova Energy Review
      • Powershop Review
      • Z Energy Power Review
  • Financial Independence
    • FIRE Guides
      • Retirement in a Nutshell
      • How to Retire Early
      • FIRE Explained
      • The Four Percent Rule
      • Achieving Financial Independence, Faster
      • Five Types of FIRE Plans
      • Getting FIRE’d in New Zealand
      • FIRE and NZ Real Estate
    • FIRE Tools
      • Budgeting Apps
      • Debt Repayment Apps
      • Free Financial Literacy Classes
      • Free Financial Products
      • 50/30/20 Budget Calculator
      • Budget Planner
    • Tax
      • Beginner's Guide to Tax
      • Salary Sacrifice in New Zealand
      • Tax Bracket Creep
      • Tax Refunds
    • Money Tips
      • 20 Things to Stop Buying to Have More Money
      • 20 Indicators You're Doing Well Financially
      • 20 Must-Know Money Lessons (Learned From Experience)
      • 20 Money Habits that Keep You Poor
      • Saving on Household Bills
      • Debt Help
      • CAP (Christians Against Poverty) Review
      • Debtfix Review
      • Getting into Debt to Meet Short Term Living Costs
      • How to Survive a Recession
      • Average NZ Salary by Age
      • How to Maximise Income in Retirement
      • How to Handle Rising Interest Rates
      • Free Money from the Government
      • Bankruptcy Guide
      • Unclaimed Money in New Zealand
      • Financial Planning for Children With Disabilities
      • Should I Stop Contributing to KiwiSaver?
      • Teaching Kids About Money
      • Single Parenting and Money
      • How to Protect Your Finances from Inflation
      • Impacts of Inflation in New Zealand - 2022 and Beyond
      • Tips for Families on a Single Income
      • Side Hustles
      • Charities in New Zealand
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
  • Trade & Professional Services
    • Auckland Trade & Professional Services
      • Acupuncture Auckland
      • Arborists Auckland
      • Asbestos Removal Auckland
      • Auto Electricians Auckland
      • Bathroom Renovations Auckland
      • Builders Auckland
      • Building Inspectors Auckland
      • Cabinet Makers Auckland
      • Car Detailing Auckland ​
      • Catering Auckland
      • Cattery Auckland
      • Chimney Sweep Auckland
      • Chiropractors Auckland
      • Cleaners Auckland
      • Computer Repair Experts Auckland
      • Concreters Auckland
      • Dentists Auckland
      • Dog Boarding Kennels Auckland
      • Dog Daycare Auckland
      • Dog Grooming Auckland
      • Dry Cleaners Auckland
      • Electricians Auckland
      • Eyelash Extensions Auckland
      • Firewood Auckland
      • Flooring Companies Auckland
      • Fridge Repair Auckland
      • Garage Door Repair Auckland
      • Glaziers Auckland
      • Graphic Design Auckland
      • Gutter Cleaning Auckland
      • Gym Memberships Auckland
      • Hair Salons Auckland
      • Heat Pump & AC Specialists Auckland
      • Home Security Systems Auckland
      • Korean BBQ Auckland
      • Land Surveyors Auckland
      • Landscapers Auckland
      • Lawn Mowing Services Auckland
      • Locksmiths Auckland
      • Mechanics Auckland
      • Makeup Artists Auckland
      • Naturopaths Auckland
      • Optometrists Auckland
      • Painters Auckland
      • Panel Beaters Auckland
      • Personal Trainers Auckland
      • Pest Control Auckland
      • Plumbers Auckland
      • Podiatrists Auckland
      • Puppy School Auckland
      • Roofing Auckland
      • Scaffolding Auckland
      • Screen Printing Auckland
      • Solar Panels Auckland
      • Quality Tyres Auckland
      • Wedding Car Hire Auckland
      • Wedding Celebrant Auckland
      • Wedding Photographers Auckland
      • Wedding Videographers Auckland
      • Window Tinting Auckland
    • Wellington Trade Services
      • Arborists Wellington
      • Bathroom Renovations Wellington
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Compare Broadband - The Best Plans - December 2023: Find the Right Deal for Your Home

We compare and list the best broadband deals, offers and must-know tips so you can find the right high-speed plan for your home.
Compare Fibre and Broadband Plans NZ
Updated 5 December 2023

Know This First: What is a good broadband deal?

  • In a nutshell, a good broadband deal is one that works perfectly for your household. We don't want you sorting through 100 or 250+ plans - our focus is getting you what you need while being backed up by great technical support and paying a fair monthly price.
  • For most people, this will be a great-value unlimited data plan with a trusted provider. Our shortlist helps you find these.
  • In this guide, we outline our favourite broadband plans and why they stand out. We look at different user types and the pros and cons of relevant plans.
  • It's a robust list that we stand by. We're focused on shortlisting broadband deals for those living in cities, towns and rural centres. The deals offered are available nationwide and include best-for-purpose options from 10+ trusted and reliable providers.
  • Right now, 87% of the New Zealand's population has access to fibre so we don't use a 'find my address' tool. Instead, we shortlist based on the merits of each plan. If you're looking for rural broadband, we have a dedicated guide and plan comparison.
  • Please note, 2degrees purchased MyRepublic in early July 2023 - we will be updating the specifics over the month as we review the revised offerings.

In this guide, we outline:
  • The Best Fixed Term Broadband Deals Available Right Now
  • The Best No Contract Broadband Deals Available Right Now
  • ​The Best Hyperfibre Deals Available Right Now
  • How to Compare Broadband Deals - Five Things to Consider
  • What Broadband Speed do I Need?
  • Broadband Plans - Frequently Asked Questions
​
Know This First: Fibre vs Broadband Providers
  1. Chorus and its partners own and manage all the ultra-fast-broadband network, meaning that every broadband provider uses the same infrastructure.
  2. For this reason, monthly broadband plans are differentiated by 1) speed, 2) data usage limits and 3) cost/terms.
  3. To protect yourself from a bad experience we have a simple view - sign up to a provider who offers reliable support, flexibility and market-leading pricing.

Important:
  • If you have gamers living with you and/or use streaming services like YouTube, Spotify, Netflix and others constantly, and/or work from home more frequently, a good broadband plan is likely to be one that offers unlimited data and fast download speeds.
  • Ultimately, the best broadband plan is unique to you. We've presented those we consider to be the best available right now for a range of needs. However, the market is dynamic and you need to take into account the changing needs of your household.
  • When searching for the best plan, don't underestimate your data needs. While optional extras such as landlines and streaming services are easy to decide on, data use is not something to underestimate. If you are a household with children, we strongly suggest considering an unlimited data broadband plan to minimize costs (and frustration) later on, should a fixed-data plan be insufficient.

MoneyHub Founder Christopher Walsh outlines our approach and process for comparing broadband:

"With fibre now rolled out to around 85% of New Zealand's population, we believe that our shortlist of broadband deals will help eliminate price and plan confusion. We don't want you to pick from 100 or 250+ plans - our shortlist focuses on simplicity, trust and accuracy for a range of needs and budgets. We don't ask for your address or phone number either - what we care about is presenting you with the best deals based on your needs".

"If you're a gamer or ultra-high needs user looking for gigabit download speeds, you might be disappointed if your home can't get that speed due to infrastructure limits. For this reason, it's essential to check your preferred plan is available by contacting the provider directly".


"In the video below, I explain how to pick the best broadband plans and what to consider to make the right choice for your needs:"

MoneyHub Founder Christopher Walsh
MoneyHub Founder
Christopher Walsh


Best Unlimited Data (12-Month Contract) Broadband Plans

The Best Fixed-Term Contract Providers and Plans Based on Specific Needs

Important: Broadband is almost always cheaper and faster when you sign up for 12-months. We like fast, reliable plans that offer low or zero setup costs and termination fees (after 12 months). We've shortlisted the top plans which offer excellent pricing for their speed and service.

All the plans below have unlimited data. In selecting the best plans, we have categorised the connection types as follows :
  • ADSL - This category includes ADSL and VDSL, as providers usually charge the same price even if VDSL is much faster than ADSL
  • 4G - This includes 4G connections only
  • 5G - This includes 5G connections, the speed is usually not disclosed by the provider as it's a rather new technology
  • Fibre - These are fibre connections in the range of 30 to 50 Mbps
  • Fibre UFB - These are fibre connections known as 'ultra fast' and have speeds of about 300 Mbps
  • Max - These are fibre connections of about 900 Mbps
  • Hyper - These are fibre connections of 2000+ Mbps

Costs and Freebies: Our table below includes the advertised Monthly Cost. Some plans may charge a connection fee, modem fee and shipping costs. There may also be discounts (such as a sign-up bonus or credit, free months, Netflix subscriptions etc.). We have taken these into account when presenting our results below.

Terms: The contract terms of the plans below are for 12 months, except for Spark Max Wireless Plus (5G plan), which is an open-term term. We have included this plan in the table below because we deem its offering superior to any fixed-term 5G plan available, given the wide network of Spark and that the plan includes Netflix.
Category and Speed
Top Provider & ​Packages
Monthly Cost
Our View:
Learn More and View Alternatives
4G (30Mbps)
Skinny - Wireless Unlimited [4G]
$55
Skinny is value-focused and offers two free months, $10 off per month when bundling with mobile plans (above $27 per month) and no setup costs

Read our Skinny Review for More Details
Skinny
5G
One NZ - Unlimited 5G Wireless broadband
$79
OneNZ and 2degrees offer 5G plans at the same price ($79), Spark offers a slightly more expensive ($85) open-term plan that includes Netflix
Read our One NZ Review for More Details
Read our 2degrees Review for More Details
Read our Spark Review for More Details
One NZ
ADSL (9 Mbps) & VDSL (42 Mbps)
Skinny - ADSL Unlimited
$75
Skinny offers one free month, $10 off per month when bundling with Skinny mobile plans (above $27 per month) and no setup costs

Read our Skinny Review for More Details
Skinny Broadband
Fibre (50 Mbps)
2degrees - Fibre Starter
$60
2degrees offers no setup costs (though you'll need to pay for modem shipping) and if you bundle with a 2degrees mobile there's an additional $10 off per month

Read our 2degrees Review for More Details
2degrees Broadband
Fibre UFB (300 Mbps)
2degrees - Unlimited [UFB]
$97
2degrees offers 4 months of free broadband on a 12 month plan, 6 months of Prime Video  ($8 per month), $10 off per month when bundling with a 2degress mobile and no setup costs (only shipping for modem)

Read our 2degrees Review for More Details
2degrees Broadband
Fibre Max (900 Mbps)
2degrees -Ultimate Unlimited [Max]
$109
2degrees offers 4 months of free broadband on a 12 month plan, 6 months of Prime Video  ($8 per month), $10 off per month when bundling with a 2degress mobile and no setup costs (only shipping for modem)

Read our 2degrees Review for More Details
2degrees Broadband
Our pricing assumptions:
  1. We have assumed in all cases that a modem is being purchased, but some providers let you bring your modem. If you have a modem you can use, you can avoid the modem cost and shipping fee.
  2. When a provider offers a bundle with mobile, we have assumed that you would switch mobile providers to use the bundled discount.
  3. We have taken benefits in kind at the value advertised by the providers. Still, you might not consider these valuable if you have no use for a Prezzy card, an antivirus or a particular streaming service like Netflix or Prime Video.
  4. Please note we have not included discounts for bundling broadband with energy. We consider this a big commitment and think you should evaluate energy providers on their merit. We have, however, included the discounts from bundling broadband with mobile as these can deliver good monthly savings, and mobile services are largely interchangeable.
  5. We have only included discounts advertised on the provider's website. Still, you might find additional discounts through broadband comparison sites or when you contact the broadband sales team to inquire about their plans.
  6. When plans had names we considered were not descriptive enough, we added our category in brackets at the end of the plan's name, for example, [UFB].

Know This: Fixed-term contracts are not for everyone. Our guide to the Best Unlimited Data Plans (No Contract) has more plans if you're happy to pay a higher setup cost upfront for flexibility. We have noticed that more providers are moving away from fixed contracts and offering open plans. We see this is a benefit for everyone who wants good value broadband without being tied in to a provider.

Best No Contract Broadband Plans

The Best Open (No Contract) Providers and Plans Based on Specific Needs

All the open/no contract plans below have unlimited data. In selecting the best plans, we have categorised the connection types as follows :
  • ADSL - This category includes ADSL and VDSL, as providers usually charge the same price even if VDSL is much faster than ADSL
  • 4G - This includes 4G connections only
  • 5G - This includes 5G connections, the speed is usually not disclosed by the provider as it's a rather new technology
  • Fibre - These are fibre connections in the range of 30 to 50 Mbps
  • Fibre UFB - These are fibre connections known as 'ultra fast' and have speeds of about 300 Mbps
  • Max - These are fibre connections of about 900 Mbps
  • Hyper - These are fibre connections of 2000+ Mbps

Costs and Freebies: Our table below includes the advertised Monthly Cost. Some plans may charge a connection fee, modem fee and shipping costs. There may also be discounts (such as a sign-up bonus or credit, free months, Netflix subscriptions etc.). We have taken these into account when presenting our results below.

Terms: The below plans are open plans, meaning there is no contract and you can cancel anytime.
Category and Speed
Top Provider & ​Packages
Monthly Cost
Our View:
Learn More and View Alternatives
4G (30Mbps)
Spark - Everyday Wireless Plus (4G Unlimited)
$65
Spark offers great value by including subscriptions to Netflix and excellent coverage

Read our Spark Review for More Details
Spark
5G
Spark - Max Wireless Plus (5G Unlimited)
$85
Spark dominates with great value by including Netflix with excellent 5G coverage

Read our Spark Review for More Details
Spark
ADSL (9 Mbps) & VDSL (42 Mbps)
Skinny - ADSL Unlimited
$75
Skinny offers the lowest cost overall because even though the setup costs are similar to other providers, their monthly fee is lower

Read our Skinny Review for More Details
Skinny
Fibre (50 Mbps)
One NZ Fibre Starter [Fibre]
$60
One NZ has no setup costs and lets you bring your own mobile, which would be the most cost-effective option for open-term fibre broadband

Read our One NZ Review for More Details
One NZ
Fibre UFB (300 Mbps)
Skinny - Fibre Unlimited [UFB]
$75
Skinny offers the lowest cost overall because even though the setup costs are similar to other providers, their monthly fee is lower

Read our Skinny Review for More Details
Skinny
Fibre Max (900 Mbps)
Fibre Ultra Unlimited [MAX]
$90
Skinny offers one free month, $10 off per month when bundling with Skinny mobile plans (above $27 per month) and no setup costs

Read our Skinny Review for More Details

Skinny
Our pricing assumptions:
  1. We have assumed in all cases that a modem is being purchased, but some providers let you bring your modem. If you have a modem you can use, you can avoid the modem cost and shipping fee.
  2. When a provider offers a bundle with mobile, we have assumed that you would switch mobile providers to use the bundled discount.
  3. We have taken benefits in kind at the value advertised by the providers. Still, you might not consider these valuable if you have no use for a Prezzy card, an antivirus or a particular streaming service like Netflix or Prime Video.
  4. Please note we have not included discounts for bundling broadband with energy. We consider this a big commitment and think you should evaluate energy providers on their merit. We have, however, included the discounts from bundling broadband with mobile as these can deliver good monthly savings, and mobile services are largely interchangeable.
  5. We have only included discounts advertised on the provider's website. Still, you might find additional discounts through broadband comparison sites or when you contact the broadband sales team to inquire about their plans.
  6. When plans had names we considered were not descriptive enough, we added our category in brackets at the end of the plan's name, for example, [UFB].

Best Hyperfibre Plans

The Best Hyperfibre Plans for Gamers and Homes Who Demand Speed and Power

  • We have excluded hyperfibre plans from our fixed contract and no contract analysis above given their niche appeal.
  • If you need to load ultra-high-definition video and eliminate latency in gaming, Hyperfibre plans offer the power to run the most demanding applications on multiple devices simultaneously.
  • However, Hyperfibre is suitable only for a small minority of the population. It costs more than a regular unlimited data broadband plan, has speeds of 10X to 200X regular fibre plans and is now available in more than 75% of New Zealand towns and cities, with more locations coming online monthly.

2Degrees Hyperfibre

Currently, the only provider to offer Hyperfibre  is 2degrees (Orcon  and MyRepublic no longer have hyperfibre plans).
  •  2degrees offers good value because of the perks it gives you when joining a fixed term contract (6 moths free of Amazon Prime and a Prezzy card as a welcome gift)

Orcon Hyperfibre Plans

Best Hyperfibre and Gamer Plans:

  • 2degrees offers two Hyperfibre plans - '2' and '4'  with speeds estimated at 2000/4000 respectively, pricing at $139 and  $169, when joining on an open term, the setup and modem fees are really expensive (around $600) but on a fixed term contract all these are included for free plus you receive a prezzy card and 6 months of Amazon Prime.
  • Pros: 2degrees offers perks when joining on a fixed term contract
  • Cons: Contracts, early termination fees, setup fees (on open term contract) and higher monthly costs for 2000 and 4000 Mpbs plans.
  • Best for: Anyone needing a Hyperfibre connection.
  • Our View: Hyperfibre isn't competitive given it is only offered by 2degrees at the moment.
  • More details: 2degrees Hyperfibre (external site) and our 2degrees Review for More Details

Best Broadband NZ Review

​How to Compare Broadband Deals - Five Things to Consider

We believe that what matters most is reliability, speed, cost and technical support. There's no point saving a few dollars a month and being stuck in a 12-month contract with a poor-performing provider who you can't talk to. Before making any decision about what provider to choose, the following considerations should be made:

1. Check the monthly price

Price is a big factor, but it shouldn't be the only consideration. We don't suggest switching to a provider for free credit or a free month if the plan is more expensive overall. To help you decide what's best for you, the prices in our best broadband deals reflect the best-value options currently available, and we review and update this monthly.

2. Compare download/upload speeds and data limits

Speed is very important, and many broadband providers charge more for plans with higher download and upload speeds. The greater the speed, the more you can do online simultaneously - stream TV, play games and browse as per usual. If you need faster speeds later on, you can usually upgrade with the provider (but not always, so check before signing up). Generally, most plans offered by broadband providers list 'best-available' speeds - actual speed can differ although usually it's not by much. 

When it comes to data, plans are either unlimited or capped. Arguably the best plans are unlimited and we have covered these as a priority, but if you don't plan to use 40+ or 60+ GB of data every month, having an unlimited plan means you may be overpaying when there are better value options.

3. Check the length of any contract

This is very important - open plans have no contract, meaning you can quit any time, whereas the standard contract term is 12 months. If you cancel before the 12 months, you'll be liable to pay a range of fees (depending on the provider), which can include a modem fee (if the modem was provided for free upfront) and/or an early disconnection fee. These costs can add up, whereas the monthly cost difference between an open plan and 12-month contract can be quite small for some providers.

Students and renters - Your flatmates may not be reliable in helping you pay the bill, and your credit history may be suffer if you get behind in paying. For this reason, an open plan is, more often than not, the best way to go. You'll get complete flexibility and freedom to cancel anytime. Best of all, all the connection and modem costs are paid upfront and your ongoing cost is fixed so you can budget accordingly.

4. Understand the setup costs

Setup costs (modem and connection fees) are usually added to open plans but rarely to 12-month contracts. Before signing up to any broadband plan, check the setup costs as they can offset some of the savings you make from a low monthly price. Setup costs will be highlighted before you sign up and will include modem, connection, delivery and other related costs.

5. Be aware of perks, extras, add-ons and bundles

Some broadband providers include add-ons such as Netflix, landline rental, mobile phone contracts and other services. While these can seem attractive, the total cost usually increases if you select them. For example, Netflix costs around $18 a month (see our Netflix review), and you can cancel anytime you stop watching it, whereas, with a bundle deal, you'll indirectly pay for it whether or not you use it.

Know This - Consider deals with free months, reward cards and cashback (but always challenge their 'value')
  • In order to make their deals stand out, some broadband providers often advertise rewards or incentives, usually in the form of a free month or discounted initial months.
  • Before signing up, quickly add up the 'value' of these incentives - they may not be that worthwhile and they definitely shouldn't rush your decision-making. 

Sharing a flat? Don't get caught out by contracts, cancellations and unpaid bills

If you're getting broadband installed into a flat, the best thing you can do is protect yourself from being caught out with big bills and bad credit. We suggest:
  1. Picking the cheapest and most reliable broadband provider with no contract term - this way, you can disconnect any time without penalty. Flatting situations change, people don't pay and friends move out, and all these things frustrate and/or hurt the account holder directly.
  2. If your name is on the broadband bill, don't let anyone else have access to the account. Otherwise extra data, upgrades and contract changes could be ordered and leave you liable for the costs.
  3. It's best to stay on top of payments - it's easy to get behind and stay behind, which costs more with late charges and interest. The broadband provider may also report your credit history; if you miss payments, your credit history will reflect that and it may be harder to get loans, credit cards and even a mortgage later on.

Best Broadband Plans NZ

What Broadband Speed Do I Need?

Checking your broadband speed is easy and fast, and important to make sure you have the advertised speed you signed up for and pay for. Our speed test takes less than a minute to complete and you can do it from any browser and device - computers, tablets and phones work equally well. No matter your broadband connection, be it ADSL VDSL, 3G, 4G and fibre, you'll get two numbers - a Download Speed and an Upload Speed. You can make sense of your results using the guide below: 
​
Please be aware:
  • Any Fibre 100/20 plan will usually be sufficient for the activities below in a small household (with 100 = 100 Mbps for downloads, and 20 = 20 Mbps for uploads),
  • 200/20 plans should be sufficient for larger households. Mobile data plans (i.e. 4G and 5G), such as 30/10 plans, will also be sufficient for most activities although simultaneous use may be an issue
  • Gamers and stream-heavy households may need a 900/450 plan, but it does depend on the demands of the users.

Broadband Download Speeds:
  • 0.5 Mbps (Mega bits per second) - good for audio streaming, email and very basic web browsing
  • 1 Mbps - basic video streaming should work and standard web pages
  • 2 Mbps - standard definition (SD) video from YouTube should be possible
  • 5 Mbps - High Definition (HD - 1080p) video streaming to run smoothly.
  • 8 Mbps - Should be able to support video streaming and other activities at the same time without buffering.
  • 15 Mbps - video streams and other activity at the same time.
  • 25 Mbps- stream pre-recorded Ultra HD video (UHD - 4k) smoothly.
  • 40 Mbps - stream live Ultra HD video (UHD - 4k) smoothly.
  • 100+ Mbps - gaming

Broadband Upload Speed
  • 0.1 Mbps - send simple text emails.
  • 0.4 Mbps - online gaming should be possible
  • 0.8 Mbps -  video streams over Skype etc should be reasonable quality
  • 2 Mbps - HD Webcam streaming may be possible.
  • 10 Mbps - uploading 200MB of holiday videos to the cloud will take around 4 to 5 minutes.

What is my current broadband speed?

Check our Internet Speed Test tool; it will tell you the upload speed and download speed. The time of day affects this - for example, it will likely be faster at 4am (when New Zealand is asleep) than 4pm (when school is out and people are at work). As fibre is rolled out to more of New Zealand, the average connection speed at any home or business continues to increase.

What can affect your broadband speed?

There are many factors what affect the broadband speeds. We outline these below:
  1. Do you have a usage limit? You may have exceeded it and your provider has decreased your speed. Find out for sure by logging into your account and seeing the usage, and make adjustments accordingly.
  2. Make sure your WIFI is secure - neighbours will be too eager to tap into a free network given half the chance and use your data allowance in the process. There are also security issues with this. So password protect your WIFI network if you currently have an open network. 
  3. Position your router as close to the phone socket as possible - invest in the best quality phone wire available if you have an old cheap existing wire, as high quality wiring can greatly improve speeds.
  4. Give your WIFI signals space to travel - the nearer you are to the router, the better your signal and the faster the broadband. WIFI signals like open spaces so make sure you remove obstructions between where you access the internet and your router. A central point in your home is a good idea as you'll have the greatest radius. Don't hide the router away or cover it - it needs to be visible so that it can do its job. 
  5. Wires beat WIFI - it may not be as flexible but poor speeds can be improved by using an old-school ethernet cable. Ethernet cables are secure and transfer data faster because, unlike WIFI routers, they don't need to encrypt the data they transmit. 
  6. Electrical interference - routers and WIFI signals don't mix well with other appliances and electrical equipment. To see if your signal is being interfered with, switch everything off except the router and do a speed test. If your speeds go up, electrical devices will need to be moved. Cordless phones, stereos, baby monitors and microwaves can all interfere so , so try to place these away from your router.
  7. Weak router signals need to be boosted - often the issue comes from the antenna being unsuitable for the shape and size of a house. Get a better antenna or replace the router altogether if it is old, or buy a wireless booster. All of these options extend and sharpen up the signal which can improve the speed. 
  8. Clean the hard drive of your computer, phone and/or tablet - slow internet is often due to slow device and slow devices more often than not are slow because the amount of files on them. If you have a PC, look at installing a trusted anti-virus to make sure spyware isn't sitting on your computer eating up data and slowing your connection down. 
  9. Upgrade your web browser - Internet Explorer, Google Chrome, Mozilla Firefox, Opera and Safari are updated frequently and chances are you're running an old version. Download the latest version. Readers have reported that switching to Google Chrome has greatly improved speeds. 

Know this: To advertise a broadband speed in New Zealand, it only has to be 'experienced' by at least 10% of the people with the same plan. This means 90% can get legally get something lower. In saying this, fibre is a lot more reliable and consistent in speed than VDSL and ADSL so advertised speeds should be more accurate ongoing. As fibre is now available to close to 90% of New Zealand's population, we believe slow speeds and disruptions for non-mobile internet will gradually be a thing of the past for the majority of users.

Compare Fibre and Broadband Plans NZ

Best Broadband Plans - Frequently Asked Questions

We've listed a number of common questions to help you understand the important aspects of signing up or switching to a broadband plan. If you would like to know something we've not covered, please contact our research team.

What types of broadband are available?

There are several to choose from: 
  1. Fibre - the ultimate broadband technology, with speeds up to 900 Mbps. Unlike relying on telephone lines like ADSL and VDSL, Fibre uses fibre optic cable. This means the distance you are to a cabinet or exchange won't affect the download/upload speed. Fibre also includes hyper fibre which is a faster connection (as our hyperfibre guide outlines).
  2. ​Mobile broadband (3G, 4G and 5G): Mobile broadband runs off mobile networks, meaning you can connect at home or on the go. It’s very convenient and doesn’t require installing a landline. You can pay-as-you-go by buying a set amount of data or sign up to monthly plans. While it’s convenient, the monthly costs can be a lot higher than broadband plans.

Regions without fibre and mobile will have access to ADSL or VDSL:
  1. ADSL: The slowest broadband, download and upload speeds vary but are usually around 10Mbps and 1Mbps respectively. ADSL is suitable for web browsing, emailing, and social media - streaming can be a challenge.
  2. VDSL: this stands for 'Very-high-bit-rate digital subscriber line', which is digital and runs faster than ADSL with download/upload speeds of 60-70Mbps and 5-10Mbps respectively.

How fast will my broadband speed be?

As fast as the plan you sign up for, although speeds are not guaranteed and at time of high usage it may be slower.

Should I get a broadband plan that includes phone and TV?

It’s up to you. With Netflix, Amazon Prime and Disney+ leading the way with content, it’s worthwhile looking at bundle options. Usually, a combo plan is cheaper than separate providers and easier to pay in only one bill. However, you may pay for things you don’t need or use, and/or be tied in to something you no longer need. Our streaming guide has dozens of options that many broadband providers don't offer, many of which are free.

How do I get an open plan/no contract and not over-pay per month for broadband?

A good starting point is choosing an open plan provider that suits your budget. You can then source a compatible modem via Trade Me or Facebook Marketplace and then sign up. This way you limit your upfront cost and can cancel your ongoing costs by giving around 30 days notice.

Can I save money switching provider?

We are committed to making broadband ​costs transparent. Switching may, and often does, mean you will pay less for your broadband especially if you are currently paying for a service you don't need or isn't suitable.

​However, not every decision should be based around price - broadband plans especially. Data speeds, reliability, customer service, data allowances and perks are all significant when deciding whether to switch. MoneyHub is focused on presenting each broadband plan as clearly as possible so you can understand what you're getting and what you'll pay.

Can I keep my email address if I change provider?

This depends entirely on who your current email provider is. If your email address is from Spark/Xtra or Orcon for example, you'll still have access to your emails up until you switch providers. After that, the email account will likely close (although there are exceptions). To avoid any issues, we suggest registering with a free service, such as Gmail or Outlook, which isn't tied to your broadband provider.

Which broadband provider is the best?

There is no one answer for this question - a broadband provider that is best for you may not be best for your neighbour. It all comes down to your budget, location, and what you want from your broadband plan. For this reason, switching providers needs careful consideration.

Can I get broadband without a phone line?

Yes - Many providers offer "naked" broadband. You can also consider mobile broadband, but the data caps may make it inconvenient or restrictive if you're a regular user. Our guide to naked broadband has more details.

Can I switch at any time? Are there any restrictions and will I pay a penalty?

if you're out of contract on your existing plan, you can switch to a new provider without any hassle. Best of all, there is usually no technical setup - all you need to do is follow the instructions by plugging in the new provider's set. As more and more of New Zealand is fibre-ready, this is a simple process. Cancelling any existing provider is easy - just contact your current provider. Sometimes the new provider will take care of this for you, but as broadband is a contract you're best to make sure your old account is cancelled. Asking for confirmation is a good idea to  avoid any billing disputes later on.

Understand Setup and Termination Fees
  • Some providers charge a setup fee, as well as a penalty fee if you leave before your contract ends. The termination fees range from around $50 to $299 which is significant, so picking a provider that suits your budget and delivers a service you're comfortable with is essential.
  • If you are flatting and don't plan to live at the address for longer than a year, make sure you get a plan that has a shorter contract or no contract at all. You may pay more upfront, but no one will be left with an ugly termination fee at the end.

How do I know if I’m out of my existing broadband contract?

Log in to your broadband provider's website and view your account details. You'll then see what your current plan is, and whether or not you're out of contract. If it's not clear, contact your provider and ask if you're under contract, and, if so, when your contract ends.

Does my home have access to fibre?

New Zealand is fairly progressive when it comes to installing fibre, and now close to every home in main centres is fibre-ready. Enter your address in to the Chorus map - you may see that fibre is "planned" but not yet available in your area. You'll also see if you can get VDSL and/or ADSL. ​If fibre is not available as part of the Government-sponsored UFB programme, you can still get a custom install to your property which you will need to pay for personally.

Related Guides
  • 2degrees Broadband Review
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  • Mercury Broadband Review
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  • Orcon Broadband Review
  • One NZ Review

  • Slingshot Broadband Review
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  • Skinny Broadband Review
  • Wireless Nation Broadband Review
  • Voyager Broadband Review
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