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
      • 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
      • 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
    • 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
    • Kiwi Mobile Review
    • Mobile Data Roaming
    • Saily Review
    • Best iPhone Plans
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The Mechanics of Defaulting on your Mortgage - The Definitive New Zealand Guide

 Mortgage costs are getting higher and higher, and it's getting harder to make repayments after rolling off low-rate deals. Our guide outlines what happens if you cannot pay your mortgage.
Defaulting on a Mortgage NZ
Updated 8 December 2024

Summary
  • With low incomes and relatively high cost of living relative to other developed countries, meeting mortgage repayment schedules in New Zealand can be tough in the best of times. However, it’s a particularly scary time for many New Zealanders at this point of the property/economy cycle.
  • During COVID-19, the Reserve Bank of New Zealand (RBNZ) had to cut the Official Cash Rate (OCR) to record low levels to support the flailing economy. Lowering the OCR led to much lower mortgage interest rates but also had the unavoidable side-effect of inflating house prices. Many hopeful first-home buyers took advantage of these extremely low-interest rates and purchased their homes with 5%-20% deposits (translating to 5X to 20X leverage). 
  • However by late 2024, the cost of living was putting pressure on many New Zealanders which led to mortgage rates skyrocketing and put house prices under pressure - these troubles continue into today as interest rates are now much higher in 2024 than they were in 2022.
  • Many of the first home buyers with low LVRs (and large mortgages) now have to deal with the two-fold effect of rising mortgage interest payments and dropping house prices. Many first-home buyers will be concerned about their options if they can't afford to pay their mortgage. 
  • Our guide explains what happens if you can't afford to meet your mortgage repayments, what options are available to you if you do end up defaulting on your mortgage, and what banks are likely to do if you default on your mortgage. We also explain must-know facts and the most frequently asked questions regarding defaulting on your mortgage.​

Our guide covers:
  • ​What Happens When I Default on My Mortgage?
  • The Mortgage Default Process
  • What are The Top Things to do to Avoid Defaulting? 
  • What are Some of the Other Most Common Causes of Mortgage Default?
  • Must-Know Facts about Defaulting on Your Mortgage
  • Conclusion 
  • Frequently Asked Questions

Your Guide to Mechanics of Defaulting on your Mortgage is Brought to You by LifeDirect Mortgages

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

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

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

Defaulting on a Mortgage NZ

What Happens When I Default on My Mortgage?

​Mortgage default happens when a home owner fails to uphold the agreed-upon terms described in the mortgage contract they signed when taking out their mortgage with a bank or lender. Your bank will set out all the various actions and situations by which you will default on your mortgage in the mortgage contract. However, there are a few common ways to default on your mortgage, including:
  • A homeowner stops making monthly mortgage payments (the most common option).
  • Not paying outstanding council property rates (councils will contact the bank to get this paid).
  • Not paying any relevant lender mortgage insurance (LMI) or other forms of insurance owed to the bank.
  • Transferring the property title to a new owner without the bank's notification (which may impact the lender's claim and right on the property).
  • Damaging the property (and the subsequent value of the home.)

Know This:
​Defaulting on your mortgage can result in one or multiple different processes being started that ultimately lead to the house being repossessed. However, the good news is the bank is unlikely to do so unless there is no other option.

Defaulting on a Mortgage NZ

The Mortgage Default Process

​Once you've defaulted on your mortgage, the formal bank procedure is to go through the process of legally requiring you to pay back the mortgage, and if you're unable to do this, the bank will then look to foreclose on your home to recover the mortgage debt owed. However, this is the "formal" mortgage process, and a bank is likely to follow this process as a last resort. We've listed a few of the steps that mortgage holders may go through if they miss their mortgage payments:
Defaulting on a Mortgage NZ

Step 1 - You start to miss one (or multiple) mortgage payments.

  • Your bank will contact you if you miss one or multiple mortgage payments. Banks usually attempt to work with you at this stage rather than taking formal actions like debt recovery or mortgagee sale auctions.
  • Try to be truthful and open with your bank about your financial situation. It's in the bank's interest for you to continue paying down your mortgage without defaulting. However, the bank won't know your entire financial position given things change between the time they issued the mortgage loan and when you miss your mortgage payments.
  • Generally, it's in your best interest to share your current budget or statement detailing your current income and expenses (and whether this has changed compared to the bank's information from your initial mortgage application). Providing this information to the bank gives them a general indication of what support they can provide you or whether they have any way to adapt your current mortgage to make it easier for you. But, again, talking to a bank's mortgage advisers can help you with this.
  • ​If you and your mortgage lender can arrange to satisfy and make up for your missed mortgage payments, you'll be able to continue with the existing mortgage arrangement with minimal impacts. 
Defaulting on a Mortgage NZ

Step 2 - If you continue to miss payments, the bank may issue a letter of demand.

  • If you lag on your mortgage payments, the bank may issue a letter of demand. This letter will outline the key details of your mortgage, the amounts you're behind on your mortgage payments, and a specific timeframe to pay your arrears (plus any interest or fees owing due to falling behind on your mortgage payments). At this early stage of the mortgage default process, it's not too late to start robust conversations with your lender and work out a payment plan to get you back on track.
  • If you can pay the amount outstanding by the due date, let your bank know this is the case. If you can't, tell your bank as quickly as possible and let them know what amount you can pay now and what amount you'll likely need assistance with. You might still come to an arrangement that ensures the bank doesn't proceed with the mortgage default process. Other alternatives include working with other lenders to try and either move your mortgage to another bank or get short-term financing from another debt provider.
  • ​If you don’t pay your arrears, set up a plan with your bank or meet your mortgage repayments by the date on the letter of demand, then the bank will continue the mortgage default process.
Defaulting on a Mortgage NZ

Step 3 - The bank will issue a formal notice under the Property Law Act 2007 (PLA).

  • A PLA notice states that you defaulted on your mortgage loan because you haven't paid the amount listed in the letter of demand. The PLA will explain how much you have to pay on a certain date, which has to be at least 20 working days from the date the PLA notice is issued. The PLA notice has to be given to you in person.
  • If you get issued a formal notice, take it seriously. This notice has serious ramifications, and getting as much advice as possible regarding a formal notice is important. The 20 working days "clock" will begin when the notice is issued, not when you're given the notice.
  • ​You can still have robust conversations with your bank about a viable repayment arrangement if you cannot meet their request by the due date. However, given the bank has issued you a formal notice, the bank can elect not to participate in these negotiations. If this happens, you'll have to meet the criteria detailed in the formal notice.
Defaulting on a Mortgage NZ

Step 4 - The bank/lender triggers an acceleration clause/provision.

  • At the same time that the bank serves you a PLA notice, the bank can also notify you about triggering an acceleration clause in your mortgage contract. An acceleration clause is a provision that allows a bank/lender to require the borrower to repay all of the outstanding mortgage loans if specific requirements (which are set out in the mortgage contract) are not met.
  • Note that a bank can’t demand you pay the mortgage loan balance earlier than the end of the term of the PLA notice (around 20 working days).
Defaulting on a Mortgage NZ

Step 5 - Failure to pay the outstanding amount by the date specified.

  • ​If you don't pay the amount specified in the note by the date outlined, the bank has the right to sell your home to recover the mortgage amount, which is generally the total mortgage balance owed to the bank.
Defaulting on a Mortgage NZ

Step 6 - Your house goes into foreclosure/mortgagee sale.

  • If a bank triggers an acceleration clause and you cannot pay the remaining balance within the stipulated period, the lender's next step is to foreclose on the home. A foreclosure involves the bank taking their legal right to repossess the home and listing it on the open market to find a buyer who intends to pay down the existing mortgage loan balance with the proceeds of the sale of the asset.
  • It's important to note that the foreclosure process typically isn't instantaneous. The mortgage contract (and the law) requires lenders to wait for a certain period before beginning the foreclosure/mortgagee sale process (though this varies from bank to bank).
  • Under the PLA, your lender owes you a duty of reasonable care to get the highest price reasonably attainable when they sell your property. In practice, the bank will get a registered valuer to provide a rough indication of a reasonable mortgagee sale price and contact a real estate agent to market the property for a few weeks.
  • ​Once your lender completes the foreclosure process, they'll take control of the property, and you'll be asked to vacate your home. While this may sound daunting, it's important to reiterate that the bank is unlikely to pursue this course unless necessary. Check out our breakdown here for a more robust rationale for why banks are not keen to foreclose on your home.
Defaulting on a Mortgage NZ

Step 7 - The bank will seek to recover any outstanding debts from you.

  • ​If the mortgagee sale proceeds are less than you owe, including all relevant costs, legal fees, and interest (often at a penalty interest rate), you will still have to pay the remaining debt.

Defaulting on a Mortgage NZ

What are The Top Things to do to Avoid Defaulting?

​With the formal mortgage default and foreclosure process outlined above, there are multiple steps you can take to keep this process from happening:
Defaulting on a Mortgage NZ

Evaluate your finances and financial situation before you end up defaulting on mortgage payments.

​As soon as you begin having issues (or predict you'll likely run into issues) meeting your mortgage payments, come up with a potential plan to try and meet these increased mortgage payments. This scenario is an increasingly significant problem, with the official cash rate increasing over the last 12 months, leading fixed and variable mortgage rates to increase from around 3% to north of 7%+. Higher mortgage rates lead to significantly higher mortgage payments each month.

While banks will have stress-tested New Zealand mortgage applicants at around 7% (when rates were 2%) to ensure they could handle mortgage payment increases, other unexpected factors may influence a household's income and expenses.
​
With all this in mind, evaluating your current income and spending habits is important to ensure you don't miss any mortgage payments.
Defaulting on a Mortgage NZ

Look into refinancing your mortgage.

If you think you're likely to miss a few payments and may default on your mortgage, consider refinancing. When you refinance your mortgage, you take out a new mortgage to pay off the old one. Your new loan may come with a lower interest rate if you take advantage of discounted offers or alternative mortgage brokers, but with the rise in the official cash rate, this is unlikely. 
​
However, note that borrowers in mortgage default won't qualify for refinancing. So if you want to refinance your mortgage, you'll have to do so before you miss mortgage payments.
Defaulting on a Mortgage NZ

Work out a plan with your bank or mortgage lender.

​If you can predict you're likely to miss a few payments, contact your lender as soon as you can and let them know what's going on with the financial situation that is likely to cause you to miss your mortgage payments and when you expect to get back on track with your repayment schedule. Almost all lenders will want to work with you to start repayments again if you let them know well in advance. Remember, lenders don't want to foreclose on homes. Most lenders only do so if there are no other alternatives left.
Defaulting on a Mortgage NZ

Talk to your bank or mortgage lender about forbearance.

Your lender might agree to forbearance on your mortgage, meaning you get to keep your home whilst trying to make ends meet. Mortgage forbearance is a binding mortgage settlement made between you and your lender. During a forbearance, the bank/lender promises not to foreclose on your property and will give you a fixed number of days/months where payment is paused or temporarily reduced. After this period, you'll be required to continue your loan payments and repay the balance you would have had to pay before starting the forbearance agreement.
​
This option can be a potential short-term solution for many homeowners if they're either unemployed for a short time or facing a temporary income reduction. Be sure to use the grace period to increase savings and plan how to pay the full amount once the forbearance period ends. There may be payment modifications post-forbearance, so read the forbearance contract closely.
Defaulting on a Mortgage NZ

Decide on a new repayment plan.

Another alternative is to come up with a new repayment plan. Generally, this is different from forbearance, as you won't be granted a grace period where repayments are paused or temporarily reduced. Instead, you'll restart your regular personal loan payments and pay an additional quantity to make up the balance you owe. However, it is also possible to enter a reimbursement plan after forbearance.

To start a prepayment format, look at your finances and decide how much you can afford to pay down in addition to your standard mortgage payment. Then reach out to your bank/lender and discuss how you'll make up the shortfall balance.
​
Your bank/lender will work with you to create a compensation plan that fits your budget.
Defaulting on a Mortgage NZ

Consider a modification to your mortgage.

A mortgage modification is intended to provide permanent relief to Kiwis having trouble making their mortgage payments and is a post-forbearance option that your bank may consider. It can take many different forms:
  • For example, your interest rate could change from fixed to variable or vice versa.
  • The loan length can be extended. Spreading your payments over a longer term will mean you pay more interest and will take longer to pay your mortgage, but your monthly mortgage payments will be reduced in the short term. If you get into a better financial position, you can always pay off more than the minimum mortgage amounts and pay off your mortgage at the same time as your original mortgage with no penalties.
  • Suppose your mortgage is in negative equity/underwater (meaning you owe more through your mortgage than your house is currently worth based on market prices). In that case, your bank can create an offset account to provide a cushion in case of interest and price fluctuations. For more information on negative equity, check out our guide to surviving a recession.
Defaulting on a Mortgage NZ

Consider selling your home to pay off the mortgage.

If you know you can no longer afford your weekly mortgage payments and your outstanding mortgage balance is less than you could currently sell your house for, it could be worth considering selling your property (especially if you think prices will fall in the future, putting your home at risk of entering a negative equity situation). Because your home is worth more than the mortgage, you'll be able to take any additional equity from your home sale in the form of cash/savings to reinvest somewhere else. In addition, selling your home is one way to ensure you don't default on your debt and damage your credit report.

If your house is worth less than you owe (meaning you're underwater and in negative equity), you can still consider selling your home. However, you'll be selling your home for less than the amount owed to your bank/lender, meaning you'll still owe an outstanding balance. If you pursue this, you'll need to get your bank/lender to agree to these terms and create an additional loan (with new interest rates and loan terms) after the house sale is completed.
​
While not ideal, selling your property early can be one way to get out of a sticky situation if you know you likely won’t earn enough income to service the rising mortgage interest payments in future.

Your Guide to Mechanics of Defaulting on your Mortgage is Brought to You by LifeDirect Mortgages

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

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

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

Defaulting on a Mortgage NZ

What are Some of the Other Most Common Causes of Mortgage Default?

​Aside from struggling to meet rising mortgage payments due to increasing interest payments, there are other situations where mortgage defaults occur. The three most common causes of mortgage default (unrelated to meeting rising mortgage interest payments) include:
Defaulting on a Mortgage NZ

Divorce or separation.

Divorce or relationship breakdown with a de facto partner is a common reason for New Zealanders defaulting on their mortgage. This scenario is because a divorce can be extremely expensive, involving thousands of dollars of legal expenses involved in the process, taking on half of any joint debts, liability for any unpaid payments in your name and taking on fees like insurance that a partner may have until now covered.
​
Children make divorce significantly more expensive and can further increase mortgage default risk. Maintenance payments can also greatly impact the financial position of the spouse that doesn't have custody of the kids. Meanwhile, the partner who has custody faces the added cost of providing for these children on their current income. Additionally, applying for single-parent benefits takes time to get approved.
Defaulting on a Mortgage NZ

Involuntary unemployment or sudden illness.

Involuntary unemployment or sudden illness (something that stops you from working unexpectedly) can lead to mortgage default. Finding an alternative income source can be extremely difficult when your income suddenly drops overnight. Regardless of your employment, the bank that lent you money will still expect you to meet your weekly or monthly mortgage payments.
​
In particular, New Zealanders that live in non-urban areas (such as Auckland or Wellington) are the most at risk of default because those areas typically have fewer employers, which may mean it takes longer to find another job.
Defaulting on a Mortgage NZ

A death in the family.

A significant financial burden often accompanies the life-changing grief that comes from a death in the family (either through a loss of income or increases in expenses due to the deceased person not covering these costs anymore). In addition, the increased costs of things like a funeral carrier, burial or cremation will also impact your finances. Finally, household income may drop by half or more, for example, shifting a double-income household into a single-income household if the person who passed away was a partner. This shift to a single-income household can mean you cannot meet the mortgage's interest payments.
​
If this has happened, you should get in touch with your bank/lender as soon as possible and explain the situation to them.

Defaulting on a Mortgage NZ

Must-Know Facts about Defaulting on Your Mortgage

Defaulting on a Mortgage NZ

Given increases in the OCR, banks will be much stricter on stress tests and lending.

Banks typically have to meet strict responsible lending regulations when they lend money. As part of these regulations, they factor in possible interest rate increases into their lending decisions. The more likely the Reserve Bank of New Zealand is to raise interest rates, the higher the artificial interest rate a bank will "stress test" a mortgage applicant.

For example, if a mortgage lender approved your mortgage application when interest rates were around 2%, they would have stress tested your income levels and ability to pay off your hypothetical mortgage if interest rates rose to 6% to 7%. The bank would need certainty that you would still be able to cover your mortgage repayments if interest rates were much higher than the current carded rates.
​
Whilst there's no "one standard" stress test that all banks use, the interest rate used to test mortgage applicants is always considerably higher than the current market interest rate. For example, current interest rates are sitting at around 6% - 8% for both floating and variable rates, meaning a bank assessing mortgage applications now will likely stress test at closer to around 10%. Generally, this will lead to a significant drop in the number of mortgage approvals, given how much income you'll need to earn to afford 10% interest rates on mortgages.
Defaulting on a Mortgage NZ

Higher OCR rate hikes don’t always lead to 100% higher mortgage rates.

While OCR hikes almost always lead to higher mortgage rates, banks may not pass on 100% of the rate hike to end-consumers. For example, if the OCR was increased by 75 basis points (0.75%), this doesn't mean that banks will raise all rates instantly by 75 basis points. Some banks will pass on the full increase, but others may not do this (or they may raise more than the amount the RBNZ has raised).

Additionally, the timing of when the banks pass on the OCR hikes will also vary from bank to bank. For example, some banks preempt what the RBNZ will likely do in the upcoming meeting and will either raise or lower mortgage interest rates in anticipation of this announcement.

With this in mind, it's important to forecast where mortgage rates are likely to sit in 12-24 months and whether your income and financial situation can handle these increases in mortgage payments. If you're having trouble with your current financial obligations (such as paying off your mortgage), you'll need to prepare and plan ways to meet the anticipated increases in mortgage rates. Our guide to how to pay your mortgage faster has more details. For our definitive guide on how to deal with increasing interest rates and mortgage payments, visit our guide here.
Defaulting on a Mortgage NZ

Don’t be blindsided by all the other ways you can technically default on your mortgage.

​As we've listed above, several ways you can default on your mortgage aren't always obvious. However, educating yourself about the situations where you might be at risk and planning in advance for them will make you far less likely to default on your mortgage accidentally.
Defaulting on a Mortgage NZ

While banks may not inherently try to force a mortgagee sale, that doesn’t mean you shouldn’t be prepared.

​Banks will try to avoid a mortgagee sale at all costs, but that doesn't mean they don't do them. So ensure you're prepared when they start the formal mortgage default process listed above. 
Defaulting on a Mortgage NZ

If in doubt, contact your bank immediately to ensure that they don’t start a formal mortgagee process.

​The earlier you contact the bank, the more likely they'll be able to provide help and clarity. For example, if you know you'll be late/miss a mortgage payment, you should contact your bank immediately. If you start discussions with your bank in advance (before you default on your mortgage) and work on a design to get your payments up-to-date, you'll be able to manage their expectations and get back on track before your lender accelerates the debt.
Defaulting on a Mortgage NZ

Any defaults or modifications to an existing mortgage or debt will impact your credit score.

​Any mortgage default or modification will show up on your credit score, impacting your ability to refinance or buy property. Whilst defaults, and modifications to existing mortgages look far better on your credit report than a foreclosure, it's best to try and avoid these things altogether. 

Defaulting on a Mortgage NZ

Our Conclusion

  • We are in unsettling times and many New Zealanders will be anxious about rising interest rates, especially at this point in the property cycle and economy.
  • To provide more clarity and hopefully ease some concerns, this guide has explained what happens if you can't afford to meet your mortgage repayments, what options are available to you if you do end up defaulting on your mortgage and what banks are likely to do if you end up defaulting on your mortgage.
  • Defaulting should be avoided at all costs where possible. While banks are likely to be slow to go through the mortgage default process, that doesn’t mean they won’t do so if the conditions present themselves. All New Zealand homeowners with mortgages should be aware of what happens in the unfortunate event that a bank starts the formal mortgage default process.
  • The best approach is to keep communicating with your lender - they need to hear from you and you'll need to be honest. Don't hide from any issues - be upfront and own the situation and work with your lender to get back on track.

Defaulting on a Mortgage NZ

Frequently Asked Questions

What can I do if the mortgage default process has been started/issued?

​If you're at any stage of the process, the first step should always be to contact your bank to explain your situation and understand your options. Your bank will want to try and assist you in any way possible, as it's in their interest for you to continue paying off your mortgage. So you must not ignore the problem - it won't go away and will only get worse.

What are some signs that I might get into mortgage stress and need to reassess my options?

While there's not a single definition for mortgage stress, some generalised figures are floating. However, some signs that you could be under mortgage stress include the following:
  • More than 50% of your pre-tax income is going towards your mortgage.
  • You live paycheque to paycheque and struggle to cover your bills and mortgage payments at the end of the month.
  • You've recently lost your job or are about to lose your job (either through a fixed-term contract ending or redundancy/layoffs).
  • You've had to borrow, take out a personal loan or use credit cards to cover living expenses.
  • Your mortgage is interest only, and you have minimal equity in the property.
  • Financial stress is actively impacting your mental health, relationships and professional life.

What will happen if I miss a mortgage repayment?

If you think you might miss an upcoming mortgage payment (and it's a non-systemic one-off scenario), it's likely not the end of the world. The best thing to do is contact your lender, let them know your situation and discuss options. They'll likely be supportive and get you to cover the payment in the following months. A bank will unlikely start the mortgage default process over one missed mortgage payment.

However, if you miss a mortgage payment (or several) without explanation, your lender will typically try to get in contact and understand why you've missed your monthly payments. If they don't hear back from you after repeated attempts to contact you, they'll likely proceed with the technical mortgage default process.
​
Even if you catch up with your missed mortgage payments, you may be charged various fees for missing the mortgage payment (or your credit score may be impacted).

What should I do if I can’t pay my mortgage?

​If you're concerned that you can no longer pay your mortgage, get in touch with your bank or lender. Contact them as quickly as possible, as this will mean they are more likely to support you and provide you with a wider range of options (before the mortgage default process is started). Some potential options may include the following:
  • Extending the life of the mortgage to reduce repayment amounts: some banks will allow you to add additional years to the mortgage resulting in a reduced repayment amount each month. This switch can ease pressure on you in the short run but result in you paying more interest in the long run.
  • Access excess funds in an offset account: if you have an offset account (a bank account set aside to support your mortgage loan), it could be possible to use these funds to increase repayments. However, this could make the term of your loan bigger and the amount of interest you may have to pay.
  • Ask for a repayment holiday: you may also be able to put your mortgage repayments on hold. This option was particularly popular (and banks were very lenient) during COVID-19 when the economy shut down overnight, and many employers had to deal with volatile payrolls. However, ultimately, this can substantially increase the amount of interest you pay over the life of the mortgage.
  • Swapping to interest-only repayments: For those that aren't already on interest-only repayments, switching to interest-only repayments for a short period can substantially reduce the amount of money you need to pay each month. However, there may be fees associated with this, and the amount of interest you pay on the life of the mortgage will be higher.
  • Refinance your mortgage with a new lender: another alternative could be to refinance your existing mortgage with a new lender. This scenario means that the new lender will pay off the old lender, and you'll owe the new lender the balance by which the new lender paid the old lender. Many New Zealanders do this if they get a more competitive interest rate on the new mortgage. However, it's important to remember that fees are likely associated with refinancing with another lender. Your bank may also charge break costs if you choose to swap lenders.

​The above are some examples of solutions the bank may provide to you. But ultimately, it will come down to the risk appetite and flexibility of your bank/lender and their policies around mortgage flexibility. Additionally, most of the above options have the negative impact of increasing the interest you'll likely pay on the life of the mortgage. 

Will the banks sell my house if I can't pay my mortgage?

​In the worst-case scenario where you and the bank aren't able to agree, the answer is yes; your lender may force you into a sale via mortgagee sale for them to get the value of the mortgage back. If the mortgagee sale doesn't satisfy the mortgage balance, you'll be liable to make up the shortfall, resulting in additional debt. However, it's important to note that this is likely a resort for the bank. As mentioned above, plenty of viable solutions and compromises can be found. The most important thing is establishing a dialogue with your bank as early as possible.

I've been through the mortgagee sale process, and my real estate agent/bank got far less in the sale than it should have. Is this legal for them to undersell the house?

Generally, a bank is aligned with your interests and wants the highest price possible on the mortgagee sale (so they can get the initial mortgage amount back). However, a bank is only contractually and legally obligated to get a "reasonable" price for the property relative to the valuation. This valuation is subjective and likely volatile, depending on what the current property market is doing.

If you feel you’ve been short-changed, you can file a formal complaint against the registered valuer of your property to the Valuers Registration Board. Generally, the bank that pushes on with the mortgagee sale doesn't have to wait for the "ideal time" to sell the property, as they've already triggered the legal mortgage default process. Therefore, a mortgagee sale that generates proceeds less than the current market value of the property usually doesn't result in a breach of the bank's obligation to get the best "reasonable" price possible.

Your Guide to Mechanics of Defaulting on your Mortgage is Brought to You by LifeDirect Mortgages

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

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

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

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  • Loans & Finance
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  • Credit Cards
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    • Travel Money By Country
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  • Banking & Savings
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      • LifeDirect Mortgages Review
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  • KiwiSaver
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    • For Startups
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  • MSD
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  • Motoring
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  • Law
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  • Travel
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    • Best of New Zealand
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    • Foreign Currency Exchange
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  • Travel Insurance
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  • Mobile & SIM
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  • Power
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    • Power Companies
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  • Essential Money Tips
    • Must-Read Lists & Tips
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      • 10 Signs You’re in Financial Danger
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      • 20 Things to Stop Buying to Have More Money
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      • 20 Frugal Decisions That Often Backfire
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      • 20 Supermarket Ripoffs
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      • 10 Hidden and Exorbitant Costs of Living in New Zealand
      • 10 Simple Financial Steps with Massive Future Payoffs
    • Money & Relationships
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