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
        • Kernel Shares & ETF Investing Review
        • Interactive Brokers
        • Smart Review
        • Catalist Review
      • Comparisons
        • Best Investment Apps
        • 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
        • How Do I Start Investing?
        • Virtual Stocks and Shares Trading Games
      • Guides
        • How to Invest in Shares
        • Investing 101
        • 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
        • How to Invest in the NASDAQ from New Zealand
        • 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
        • Popular Retirement Income Products in New Zealand
        • Shares vs ETFs
        • Shares vs Property Investment
        • 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 Popular Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
        • Dosh Review
      • Investing Calculators
        • Term Deposit Calculator
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        • Investment Calculator
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    • Managed Funds, Tax & DIY Investing
      • Guides
        • Managed Funds
          • Pie Funds Management Review
          • Booster Private Land and Property Fund Review
          • AMP Managed Funds Review
        • Our Favourite Managed Funds
        • Australian Investment Funds
        • Advisers
          • Financial Advisers Overview
          • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
          • Financial Advisers Auckland
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          • Financial Advisers Tauranga
          • Financial Advisers Napier & Hastings
          • Financial Advisers Palmerston North
          • Financial Advisers Wellington
          • Financial Advisers Lower Hutt & Hutt Valley
          • Financial Advisers Whanganui
          • Financial Advisers Kapiti
          • Financial Advisers Wairarapa
          • Financial Advisers Nelson & Tasman
          • Financial Advisers Christchurch
          • Financial Advisers Dunedin
          • Lighthouse Financial Services Review
        • Bank Credit Ratings
        • Depositor Compensation Scheme (DCS) Explained
        • Tax on Investments and Savings
        • Tax Efficient Investing
        • Capital Gains Tax
        • Bright-Line Test
        • Ethical Investing
        • Leading 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
        • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
        • Returning to the UK from NZ
        • Spending Your Savings in Retirement
        • How to Take Income from Investments
        • 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
        • 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
    • Best Car Finance
      • Loan Types
        • Electric Vehicle Loans
        • Car Loan Refinance
        • Bad Credit Car Loans
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        • Business Vehicle Loans
        • Asset Finance
      • Tools & Calculators
        • Car Finance Calculator
        • Car Loan Amortisation Calculator
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        • Motorcycle and Moped Loan Calculator
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        • Boat Financing Calculator
      • Resources
        • Car Finance Documents Checklist
        • Car Dealership Finance vs Alternatives
        • 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 Loan Brokers vs Direct Car Finance
      • Car Finance Company Reviews
        • Simplify Loans Review
        • Simplify Car Loans - Real Customer Reviews & Facts
        • Toyota Finance Review
        • Mazda Finance Review
        • MTF Finance Review
        • Simplify vs MTF vs UDC vs Heartland
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • Lending People Review
        • Driva Car Loans Review
      • Car Finance by Vehicle
        • Toyota Aqua Financing Guide
        • Toyota Corolla Financing Guide
        • Toyota HiAce Financing Guide
        • Toyota RAV4 Financing Guide
        • Toyota Hilux Financing Guide
      • Car Finance Add-On Insurance
        • Compare Mechanical Breakdown Insurance
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • PPI (Payment Protection Insurance)
    • Best Personal Loans
      • Loan Types
        • Debt Consolidation Loans
        • Secured Loans
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        • Home Renovation Loans
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        • Beneficiary Loans
      • Tools & Calculators
        • Personal Loan Calculator
        • Debt Consolidation Calculator
        • Refinance Personal Loan Calculator
        • Home Renovation Loan Calculator
        • Interest Calculator
      • Lender Reviews
        • Harmoney Loans Review
        • Nectar Review
        • Avanti Finance Review
        • Money Sweetspot Review
        • Save My Bacon Review
      • Credit Health
        • How to Build Credit in New Zealand
        • Credit Scores and Credit Checks
        • Interest Rates Guide
        • Interest Rate Comparison
      • Debt Solutions
        • How to Pay Down Debt Faster
        • Baycorp and Debt Collection
        • The Dangers of Debt Consolidation
        • Using Home Equity for Non-Essential Expenses
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Overview
    • 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
        • Cove Car Insurance - Real Customer Reviews & Facts
        • 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 Insurance
      • House Insurance
      • House Insurance Calculator
      • Home and Contents Insurance
      • Best Holiday Home and Airbnb Insurance Policies
      • Difficult to Insure Areas
      • Compare Auckland House Insurance Policies & Costs
      • Sum Insured Explained
      • Area Replacement vs Sum Insured
      • Natural Disaster House Insurance
      • MAS House Insurance - Real Customer Reviews & Facts
      • Is Your Home an Insurance Risk?
      • Average Cost of Car, House, and Contents Insurance
      • Insuring Old Houses
      • Contents Insurance
      • Renters' Insurance
      • Students Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Insurance Company Financial Strength Ratings
      • Motorbike Insurance
      • Initio Review
    • Life & Health Insurance
      • Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • Life Insurance Explained (Videos)
        • 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
        • Health Insurance Explained (Videos)
        • Going to Australia for Medical Treatment
        • BMI Calculator New Zealand
      • Income Protection Insurance
        • Income Protection Insurance Explained (Videos)
        • 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
    • 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
    • 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
    • Business Insurance
      • Public Liability Insurance
      • Professional Indemnity Insurance
      • Business Interruption Insurance
      • ACC CoverPlus Extra (CPX) Explained
      • Co-Shareholder Insurance Cover
    • Find a Broker
      • Trusted Insurance Brokers in Wellington
      • Trusted Insurance Brokers in Christchurch
  • Credit Cards
    • Best Credit Cards
    • Rewards and Cashback Credit Cards
    • Credit Cards That Earn Business Class Flights
    • The Best American Express Credit Cards
    • Air New Zealand Airpoints Credit Cards
      • Kiwibank Airpoints Cards Have Ended – Best Replacement Options
      • ANZ vs AMEX vs Westpac Platinum Airpoints Credit Cards
      • ANZ Airpoints Visa Platinum vs AMEX Airpoints Platinum
      • Kiwibank Airpoints Platinum Visa vs AMEX Airpoints Platinum
      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
    • Balance Transfer Credit Cards
    • Platinum and Gold Credit Cards
    • Frequent Flyer Credit Cards
    • Travel Credit Cards
    • Interest Free Credit Cards
    • Virtual Debit and Credit Cards
    • Credit Cards That Provide Travel Insurance
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • AMEX Airpoints Platinum - Real Cardholder Reviews & Facts
        • American Express Gold Rewards Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • Where is AMEX Accepted?
        • American Express Free Card vs Airpoints Platinum
        • 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
      • China Travel Money
      • Europe Travel Money
      • Fiji Travel Money
      • Japan Travel Money
      • Rarotonga Travel Money
      • Singapore Travel Money
      • South Korea 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
      • Open a USD Bank Account from New Zealand
      • Sending Money to Australia
    • Savings
      • Best Term Deposits
      • Best Notice Saver Accounts
      • Booster Savvy Review
      • Booster Savvy Analytics Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Wedge Review
      • Best Savings Accounts
      • Term Deposits vs Cash Funds
      • 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
      • Interest Rate Predictions 2025 & 2026
      • 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
      • Self-Employed Mortgage Applications
      • Interest Rate Strategies
      • Saving for a House Deposit
      • Saving for a House Deposit as a Young Professional
      • Top 10 Areas for First Home Buyers 2025
      • 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
      • Every Tax Deduction Property Investors Can Claim
      • Trusts vs LTCs vs Companies
      • Investment Property Mortgages
      • 20 Property Investment Risks You Can't Ignore
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • NZCB Review
      • 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
      • Best Performing KiwiSaver Funds
      • Milford vs ANZ KiwiSaver Growth Funds Comparison
      • Free $500+ Government Money for KiwiSaver
      • 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
      • Investment Traps to Avoid When Accessing Your KiwiSaver Funds at 65
      • Feijoa Review
    • KiwiSaver Schemes
      • 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 Loans & Tools
    • Business Credit Cards
      • American Express Gold Business Card Review
    • Compare Business Loans
      • Small Business Loans
      • Prospa Business Loans Review
      • Business Line of Credit
      • Business Borrowing Options
      • Business Loan Calculator
      • Business Loan Brokers Explained
      • Commercial Vehicle Finance Options
      • Invoice Finance
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Car Loan Repayment Calculator
      • Bizcap Business Loans Review
      • Taxi (Business Funding) Review
    • Wise Business Account Review
    • 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
      • Provisional Tax
      • Lighthouse Accounting Services Review
      • PAYE Tax Rates 2025 & 2026
      • Tax Codes in New Zealand
      • Minimum Wage
    • Business Calculators & Resources
      • GST Calculator
      • GST Due Dates 2025
      • 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
        • Video Production Auckland
        • 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
      • Digital Marketing Agencies Auckland
      • 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
      • Attending the Singapore FinTech Festival
  • 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
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        • Americas & Africa
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      • Essential Information
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        • What is TAANZ?
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    • Pet Insurance
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      • Cat and Dog Desexing
      • Getting a Kitten
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      • Costs of Owning a Cat
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    • Business Insurance
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      • ACC CoverPlus Extra (CPX) Explained
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    • Find a Broker
      • Trusted Insurance Brokers in Wellington
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  • Credit Cards
    • Best Credit Cards
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    • The Best American Express Credit Cards
    • Air New Zealand Airpoints Credit Cards
      • Kiwibank Airpoints Cards Have Ended – Best Replacement Options
      • ANZ vs AMEX vs Westpac Platinum Airpoints Credit Cards
      • ANZ Airpoints Visa Platinum vs AMEX Airpoints Platinum
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      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
    • Balance Transfer Credit Cards
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    • Credit Cards That Provide Travel Insurance
    • Reviews
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        • American Express Airpoints Platinum Review
        • AMEX Airpoints Platinum - Real Cardholder Reviews & Facts
        • American Express Gold Rewards Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • Where is AMEX Accepted?
        • American Express Free Card vs Airpoints Platinum
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
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        • AMEX Dining Collection Program Review
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
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        • Emirates Skywards Credit Cards
        • RewardPay Review
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    • Guides
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  • Travel Money Cards
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      • Wise Debit Card Review
      • Revolut Review
      • Revolut vs Wise - Which Is Better?
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    • Travel Money By Country
      • Top Travel Destinations Where the NZD is Strong Right Now
      • Australia Travel Money
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      • Europe Travel Money
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      • USA Travel Money
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  • Banking & Savings
    • Banking
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    • Savings
      • Best Term Deposits
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      • Booster Savvy Review
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      • Wedge Review
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    • Guides and Resources
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    • Reviews
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  • Mortgages
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      • Revolving Credit Mortgages
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      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
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      • Saving for a House Deposit
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      • Top 10 Areas for First Home Buyers 2025
      • Buying a Home with Family and Friends
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      • 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
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      • Amortisation Calculator
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      • Negative Equity
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      • Mortgage Refinance Calculator
    • Mortgage Brokers
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      • Trusted Auckland Mortgage Brokers
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      • Trusted Mortgage Brokers in Tauranga
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      • LifeDirect Mortgages Review
    • Buying a Home
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      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
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      • Buying an Apartment in New Zealand
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    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • Every Tax Deduction Property Investors Can Claim
      • Trusts vs LTCs vs Companies
      • Investment Property Mortgages
      • 20 Property Investment Risks You Can't Ignore
      • Renting Directly to Tenants vs Using an Agent
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    • Building a House
      • NZCB Review
      • Average Building Cost Per Square Metre
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      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
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      • Our Favourite KiwiSaver Funds
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      • Free $500+ Government Money for KiwiSaver
      • Is KiwiSaver Safe?
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      • Choosing Your KiwiSaver Scheme
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      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
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      • KiwiSaver Withdrawal
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    • KiwiSaver Contributions & Tax
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      • What's My PIR?
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    • KiwiSaver for Life Events and Specific Situations
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      • Investment Traps to Avoid When Accessing Your KiwiSaver Funds at 65
      • Feijoa Review
    • KiwiSaver Schemes
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      • MAS KiwiSaver Scheme
        • MAS Review
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      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
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  • Business Loans & Tools
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      • Bizcap Business Loans Review
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    • Business Essentials
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    • PAYE & Taxes
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    • Online Services
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      • Digital Identity Programs and Online Verification Tools
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    • For Startups
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  • MSD
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    • Super Rates 2025 and 2026
    • NZ Superannuation in a Nutshell
    • Government Departments Helping New Zealanders Directly
    • Food Grants Guide
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      • Food Banks Auckland
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  • Motoring
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      • Turners Cars Review
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    • Car Dealerships Explained
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      • Gaspy App Review
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      • Buyer’s Guide for the 2023 Toyota Hilux
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    • Warrant of Fitness
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      • Warrant of Fitness Auckland
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      • Warrant of Fitness Wellington
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  • Law
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    • 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
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    • Air New Zealand Specific
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      • Best Ways to Redeem Air New Zealand Airpoints Dollars
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      • 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
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    • Foreign Currency Exchange
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  • Mobile & SIM
    • Compare Mobile Plans
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    • Mobile Data Roaming
    • Revolut eSIM – Real User Reviews, Facts & Comparison
    • Saily Review
    • Zeronet Mobile Review
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    • Apple Watch Buying Guide
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    • Best Power Banks
  • Broadband
    • Compare Broadband Plans
    • No Contract Broadband
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    • Internet Speed Test
    • Broadband Provider Reviews
      • 2degrees Broadband Review
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      • Electric Kiwi Broadband Review
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      • NOW Broadband Review
      • One NZ Broadband Review
      • Orcon Broadband Review
      • Spark Broadband Review
      • Skinny Review
      • Starlink Review
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  • Power
    • Compare Power Companies
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    • How to Lower Your Power Bills
    • Fixed Contracts vs Open Power Plans – What You Need to Know
    • Electric Vehicle Power Plans
    • How to Use Less Power
    • Power Companies
      • Contact Energy Review
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      • Genesis Energy Review
      • Globug Review
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      • Powershop Review
  • Essential Money Tips
    • Must-Read Lists & Tips
      • Fleeced Kiwi Awards 2025
      • Best and Worst Loyalty Programmes
      • 10 Things to Do Differently with Money in 2025
      • 10 Signs You’re in Financial Danger
      • 20 Indicators You're Doing Well Financially
      • 20 Things to Stop Buying to Have More Money
      • 20 Must-Know Money Lessons (Learned From Experience)
      • 20 Frugal Decisions That Often Backfire
      • 20 Money Habits that Keep You Poor
      • 20 Supermarket Ripoffs
      • 20 Ways to Save on Household Bills
      • 10 Hidden and Exorbitant Costs of Living in New Zealand
      • 10 Simple Financial Steps with Massive Future Payoffs
    • Money & Relationships
      • Bailing Out Your Partner Financially
      • Financial Red Flags in a Relationship
      • Don’t Let Supporting Your Adult Children Ruin Your Retirement
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
    • Money & Family
      • Teaching Kids About Money
      • Single Parenting and Money
      • Tips for Families on a Single Income
      • Financial Planning for Children With Disabilities
    • Valuable Insights
      • Why Am I Not Wealthy?
      • Can the Average New Zealander Become a Millionaire?
      • Money Habits Keeping You in the Rat Race
      • 15 Great Things New Zealanders Can be Optimistic About
      • How to Survive a Recession
      • How to Handle Rising Interest Rates
      • Stealth Wealth
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      • Average NZ Salary by Age
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      • Dental Costs
      • Charities in New Zealand
      • Trade Me Alternatives
    • Challenging Economic Conditions
      • Financial Support Resources
      • How to Protect Your Finances from Inflation
      • Impacts of Inflation in New Zealand
      • Layoffs, Redundancies and Restructures - Your Rights and Next Steps
      • Graduating Without a Job
      • Should I Stop Contributing to KiwiSaver?
  • Financial Independence
    • FIRE Guides
      • How Much Money Do You Need to Retire Comfortably in New Zealand
      • Retirement in a Nutshell
      • Retirement Money Drawdown
      • 10 Habits of Quiet Millionaires
      • Financial Freedom by 50
      • How to Maximise Income in Retirement
      • 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
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      • SortMe Review
    • Repaying Debt
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      • CAP (Christians Against Poverty) Review
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      • Getting into Debt to Meet Short Term Living Costs
      • Bankruptcy Guide
    • Tax
      • Beginner's Guide to Tax
      • Salary Sacrifice in New Zealand
      • Tax Bracket Creep
      • Choosing an Accountant
      • Accountants in Auckland
      • Tax Refunds
  • Life Essentials
    • Money & Income Ideas
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      • Make Money Online
      • Paid Survey Websites Review
        • Ipsos iSay Review
        • Nielsen Homescan Review
        • Nielsen Online (Computer & Mobile Panel) Review
        • Valued Opinions Review
        • Opinion World Review
        • Triaba New Zealand Review
        • Rewardia New Zealand Review
      • Free Samples
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      • Hosting International Students
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    • Kids Eat Free
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    • Meal Kits & Supermarkets
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      • HelloFresh Review
      • My Food Bag Review
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      • Online Supermarkets
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      • Supermarket Christmas Clubs
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    • Entertainment
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      • Disney+ Review
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    • Consumer Rights
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      • Tenant and Landlord Obligations & Rights
    • School Holiday Activities
      • Auckland School Holiday Activities
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    • Shopping Resources
      • 65+ Best Online Shopping Websites in New Zealand
      • Shoe Size Conversion Guide
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      • Temu Review
      • Affordable Online Clothes Shopping
      • Best Baby Clothes
      • Buy Books Online
      • Black Friday New Zealand Deals
      • Mother's Day Ideas and Gifts
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    • Living Essentials
      • FInding a Rental in Auckland
      • Gym Memberships Guide
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    • Senior Living
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    • Wedding Resources
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    • Home & Kitchen
      • Bathroom Renovations Guide
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      • Best Mattresses
      • Best Slow Cookers
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      • Best Ride-On Lawn Mowers
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      • Best Meat Thermometers
      • Best Printers
      • Best Computer Desks
      • Best Antivirus, Anti-Malware and Internet Safety Habits
      • Best VPN Services
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      • Best Electric Scooters
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      • Blinds, Curtains and Drapes Auckland
    • Health & Personal Care
      • Weight Loss Shakes
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  • Trade Services
    • Auckland Trade Services
      • Acupuncture Auckland
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Digital Marketing Agencies in Auckland - Costs, Best Agencies and What You Need to Know

Our guide covers the best Digital Marketing Agencies in Auckland, the costs, service types, what to expect, and how to choose the right agency for your business.
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Updated 2 November 2025
Summary:
  • Digital marketing has become non-negotiable for Auckland businesses. Whether you're competing for local search rankings, running e-commerce campaigns, or building brand awareness, the right agency partnership can transform your results.
  • Auckland's digital marketing scene is saturated - over 400 agencies compete for your business. You'll find everything from one-person SEO consultants to full-service agencies managing million-dollar budgets. The challenge isn't finding an agency - it's finding one that delivers actual results without bleeding your budget dry.
  • This guide cuts through the marketing speak. We break down real costs (not the ones on websites), explain which services actually matter, and show you how to spot agencies worth their fees. We've done the research so you don't waste time and money finding out the hard way.

​Our guide covers:
  • What Digital Marketing Agencies Actually Do
  • Digital Marketing Agency Costs in Auckland
  • Types of Agencies (and Which One You Need)
  • Core Services Explained
  • What to Expect From Your Agency
  • How to Choose the Right Agency
  • Red Flags to Avoid
  • ​MoneyHub's Top Auckland Digital Marketing Agencies
  • Frequently Asked Questions

Know This First:
  • Most Auckland businesses pay $3,000-$8,000 monthly for comprehensive digital marketing
  • SEO takes 3-6 months minimum to show results - anyone promising faster is lying
  • Agencies typically require 3-6 month minimum contracts
  • You'll pay 20-30% more for CBD-based agencies versus suburban ones
  • Package deals often include services you don't actually need

MoneyHub's Trusted Auckland Digital Marketing Agency

  • Our research highlighted one of Auckland’s most trusted digital marketing agencies, known for delivering measurable results and tailored strategies that help local businesses grow online.
  • We recommend reaching out to Fabric Digital - this highly rated agency has a proven track record of driving real business growth through SEO, Google Ads and website design, all backed by transparent communication and strong client relationships.
Fabric Digital

What Digital Marketing Agencies Actually Do

What Digital Marketing Agencies Actually Do

  • Think of digital marketing agencies as your online growth department. While you focus on running your business, they handle everything from getting you found on Google to converting visitors into customers. Good agencies don't just run ads - they build systems that generate consistent, measurable results.
  • The work changes based on your goals: agencies boost your Google rankings when customers can't find you, fix conversion problems when visitors aren't buying, manage social media when you need brand awareness, and run paid campaigns when you need leads fast. Most Auckland businesses need a combination of services working together.
  • Digital marketing solves the problems that kill business growth: invisible websites that competitors outrank, wasted ad spend with poor targeting, social media that doesn't convert, websites that visitors abandon, and marketing efforts that can't prove ROI.

Digital Marketing Agency Costs in Auckland

Digital Marketing Agency Costs in Auckland

Auckland agencies quote one price, but your actual cost depends on multiple factors. CBD agencies charge premium rates, specialists cost more than generalists, and complex campaigns require bigger budgets.
Typical Monthly Retainer Costs:
Service Level​
Monthly Cost ($)
What You Get​
Basic Package​ 
$1,500 - $3,000​
SEO basics, social media posting, monthly reports
Growth Package
$3,000 - $6,000
SEO, PPC management, content creation, bi-weekly reports
Comprehensive
$6,000 - $12,000
Full-service marketing, dedicated team, weekly meetings
Enterprise
$12,000+
Custom strategies, multiple specialists, daily management
Individual Service Costs:
Service​
Monthly Retainer ($)​
One-off Project ($)​
SEO
$1,500 - $4,000 ​
$5,000 - $15,000 (audit & setup)​
Google Ads Management
$1,000 - $3,000​
Plus 10-20% of ad spend monthly​
Social Media Management​
$1,500 - $3,500​
$2,000 - $5,000 (strategy)​
Content Marketing
$2,000 - $5,000
$500 - $2,000 per piece
Email Marketing
$1,000 - $2,500
$3,000 - $8,000 (automation setup)
Website CRO
$2,000 - $4,000 
$5,000 - $15,000 (audit & testing)
Hidden costs to watch for:
  • Setup fees: $1,000-$5,000 in your first month
  • Ad spend: Not included in management fees
  • Content creation: Often charged separately
  • Tools and software: Some agencies pass these costs on
  • Performance bonuses: Common with results-based pricing

Types of Agencies and Which One You Need

Types of Agencies and Which One You Need

Full-Service Agencies
  • These agencies employ 50+ specialists across every digital marketing discipline from a single location, typically in Auckland's CBD. They provide integrated teams of SEO experts, paid media managers, content creators, designers, and strategists working on unified campaigns. Monthly retainers range from $8,000-$15,000, with enterprise clients paying substantially more.
  • You need this if: You want comprehensive marketing without managing multiple vendors, have complex needs across multiple channels, or prefer dealing with one agency for everything.
Specialist Agencies
  • Focus on one area like SEO or PPC with deep expertise. Best for businesses needing specific problems solved. Costs vary by specialty: $2,000-$6,000 monthly.
  • You need this if: You know exactly what service you need, want the best in a specific area, or already have other marketing covered.
Boutique Agencies
  • Small teams (5-15 people) offering personal service. Best for SMEs wanting direct access to senior staff. Usually $3,000-$8,000 monthly.
  • You need this if: You value relationships over size, need flexible, customised approaches, or want to work directly with agency owners.
Performance Agencies
  • Payment tied to results with heavy focus on ROI. Best for e-commerce and lead generation. Base fee plus performance bonus typical.
  • You need this if: You want accountability for results, have clear conversion goals, or prefer paying for outcomes, not activities.

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Core Services Explained

Search Engine Optimisation (SEO)
  • The process of earning Google rankings without paying for placement. Agencies fix technical problems blocking your site, develop content that matches what customers search for, and build authority through quality backlinks. Expect minimal movement for 3-6 months, then steady climbing if done correctly. The payoff: sustainable traffic that doesn't disappear when you stop paying.
Pay-Per-Click Advertising (PPC)
  • Paid placement at the top of Google and across social platforms. You're charged each time someone clicks, plus agency management fees (typically 10-20% of spend). Traffic starts immediately, making PPC ideal for launches, seasonal pushes, or testing new markets. The catch: costs add up quickly in competitive Auckland markets.
Social Media Marketing
  • Building your presence where customers spend their time online. Agencies handle everything from content calendars to community responses, plus paid promotion to expand reach. Organic posts barely get seen anymore, so budget for advertising. Works best for brands with visual appeal or strong customer communities.
Content Marketing
  • Developing articles, videos, guides and resources that pull in your target market. Quality content serves double duty - it attracts Google traffic through SEO while establishing your expertise with potential customers. Expensive to do properly but essential for long-term growth. One excellent piece outperforms ten mediocre ones.
Conversion Rate Optimisation (CRO)
  • Systematically improving your website's ability to turn visitors into customers. Agencies run split tests comparing different layouts, analyse user behaviour through heatmaps, and remove friction from checkout processes. Most sites convert 2-3% of visitors - good CRO can double or triple that without increasing traffic.

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What to Expect From Your Agency

First Month (Discovery Phase)
Agencies spend week one examining your existing marketing, analysing competitors, and documenting current performance. You'll hand over logins, explain past efforts, and clarify business objectives. By week four, they'll deliver their strategy document with specific targets and measurement benchmarks. Skip this properly and everything that follows falls apart - decent agencies never rush discovery.

Months 2-3 (Implementation)
This is when campaigns actually launch. Technical SEO problems get fixed, Google Ads go live, social media calendars activate. Agencies typically schedule weekly updates during implementation. Results lag behind activity - you'll see plenty happening but leads take time to materialise. Normal timeframe: traffic improves first, engagement second, conversions last.

Ongoing (Optimisation)
After month three, it's about refinement and growth. Monthly reports track performance against initial benchmarks. Campaigns get adjusted based on data - killing underperformers, scaling winners. Quarterly reviews assess whether strategies need major changes. Competent agencies bring fresh ideas without being asked. Key metrics should trend upward consistently: more qualified traffic, lower acquisition costs, higher conversion rates.
​
Communication Expectations
  • Weekly or fortnightly WIP meetings
  • Monthly performance reports
  • Quarterly strategic reviews
  • 24-48 hour email response times
  • Direct access to account managers

Christopher Walsh, MoneyHub Founder, Shares His Comments on Hiring a Marketing Agency

"Let me be brutally honest - nobody cares about your business success more than you do. Not your agency, not your consultants, nobody. That's not cynicism - it's the foundation of smart marketing decisions.

Yes, we list trusted agencies, and they can add value. But after building MoneyHub to millions of users yearly - most of what agencies charge for, you can learn yourself. Google AdWords? YouTube has free tutorials rivalling any paid course. SEO? The basics aren't rocket science - check Brian Dean's Backlinko.

Before Hiring Any Agency, Do This:
  1. Create your Google My Business listing - takes 30 minutes, puts you on Google Maps
  2. Set up Facebook business page and systematically request customer reviews
  3. These alone outperform most $2,000/month packages
​
Write detailed 2,000+ word guides about your industry. Be radically transparent about pricing, process, problems and solutions. One comprehensive guide generates more qualified leads than six months of generic social posts.

Marketing isn't complicated - agencies make it seem that way. When they present 40-page reports full of jargon, ask: 'How many customers did this bring me?' If they can't answer clearly, they're hiding behind complexity.
​
​My Trusted DIY Marketing Plan:
  • YouTube: Every marketing skill taught free
  • Mailchimp: Build email lists, stay connected
  • Reddit: Find customer communities, genuinely contribute
  • Content: Write one helpful article weekly
  • Direct contact: Call five customers monthly

If you hire an agency, never go autopilot. Many put you on autopilot after month three. Demand weekly evidence of actual work. If they can't show exactly what they did, they did nothing. Many agencies win awards for flashy campaigns while small clients go broke. Your boring, consistent, self-managed efforts outperform their 'creative genius' every time. Master basics yourself first. Then if you need specialist help, you'll spot what's true versus shady. Real experts explain exactly how they'll make you money. The rest talk about 'synergy' and 'brand elevation.' Your business deserves better than autopilot marketing at premium prices."
Christopher Walsh MoneyHub Founder
Christopher Walsh
MoneyHub Founder


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How to Choose the Right Agency

Check Their Own Marketing
  • If an agency can't market themselves, they can't market you. Check their Google rankings, social media engagement, and website conversion elements. Red flag: SEO agencies not ranking for "SEO Auckland".
Examine Case Studies
  • Look for detailed case studies with real numbers, not vague "increased traffic 300%" claims. Best case studies show the problem, solution, and specific results over time. Ask for examples similar to your business.
Understand Their Process
  • Good agencies have clear processes they can explain. Ask about their first 90 days, how they measure success, and their communication schedule. Vague answers mean they're winging it.
Meet Your Actual Team
  • Don't let senior staff sell you then hand you to juniors. Meet the people who'll actually work on your account. Ask about their experience and how many other accounts they manage.
Review Contracts Carefully
  • Contract length (3-6 months is standard)
  • Termination clauses (30 days notice is reasonable)
  • Who owns the work (you should)
  • Performance guarantees (be suspicious of these)
  • Scope clarity (what's included/excluded)
Start Small
  • Consider a project or trial before committing to a long-term retainer. Many agencies offer audits or single campaigns that let you test the relationship.

Red Flags to Avoid

Red Flags to Avoid

Guarantee Specific Rankings
  • No legitimate agency guarantees #1 Google rankings. Google's algorithm has 200+ factors that change constantly. Anyone making guarantees is either lying or using dodgy tactics that'll get you penalised.
Won't Share Their Methods
  • "Proprietary methods" usually means they're hiding something. While agencies protect some IP, they should explain their general approach. Black-box strategies are risky.
Require Long Lock-ins
  • Demanding 12-month contracts upfront suggests they can't retain clients on merit. Good agencies earn loyalty through results, not contracts.
Offshore Everything
  • Some offshore work is normal, but your primary team should understand Auckland's market. Agencies routing everything through India or the Philippines often deliver generic, ineffective campaigns.
Own Your Assets
  • Never let agencies own your Google Ads account, website, or content you've paid for. You should have admin access to everything. Agencies holding assets hostage is surprisingly common.
Promise Instant Results
  • SEO takes months. Brand building takes time. Even paid ads need optimisation. Agencies promising immediate transformation are overselling. Real growth follows predictable timelines.
Communication Red Flags
  • Take days to respond during pitch process
  • Can't explain strategies in plain English
  • No regular reporting schedule
  • Hide behind jargon and buzzwords
  • Won't provide references

MoneyHub's Trusted Auckland Digital Marketing Agency

  • Our research highlighted one of Auckland’s most trusted digital marketing agencies, known for delivering measurable results and tailored strategies that help local businesses grow online.
  • We recommend reaching out to Fabric Digital - this highly rated agency has a proven track record of driving real business growth through SEO, Google Ads and website design, all backed by transparent communication and strong client relationships.
Fabric Digital

MoneyHub's Top Auckland Digital Marketing Agencies

MoneyHub's Top Auckland Digital Marketing Agencies

Our list below covers Central, East, West, North and South Auckland. We have selected these based on their established presence, specialisation areas, and data from Google Business reviews, professional directories, and client testimonials. Beyond basic website management, the agencies below have proven experience with e-commerce, lead generation, multi-channel campaigns, and complex digital transformations for Auckland businesses.​
Fabric Digital

Fabric Digital

Areas served: Auckland-wide
Base: Rosedale, Auckland
Hours: Mon to Fri 8 am–5 pm 
Google Review rating: 5.0/5 (30+)
Email: [email protected]
Phone: 0800 032 248
Website: Fabric Digital
​

​Core Services:
  • Search Engine Optimisation (SEO) 
  • Google Ads Management/Pay‑Per‑Click (PPC) 
  • Social Media Marketing & Advertising 
  • Email Marketing Automation
  • Website Conversion Optimisation/Web Design & Development
  • Content Marketing

What Clients Say:
  • ​Friendly, approachable, and easy to communicate with throughout projects​
  • Highly professional and collaborative, integrating seamlessly with client teams
  • Delivers user-focused, well-designed, and highly functional websites
  • Transparent, honest, and keeps clients informed at every stage
  • Experienced in website builds, ecommerce, and improving online reach

Pure SEO

Pure SEO

Areas served: Auckland-wide
Base: Northcote, Auckland
Hours: Mon to Fri 8:30 am–5:30 pm
Google rating: 4.4/5 (90+) 
Email: [email protected]
Phone: 09 950 3888
Website: Pure SEO

​Core Services:
  • Search Engine Optimisation (SEO)
  • Google Ads / Search Engine Marketing (SEM) 
  • Social Media Marketing & Advertising 
  • Email Marketing Automation
  • Website Conversion Optimisation (CRO) 
  • Content Marketing (content creation & marketing) 

​What Clients Say:
  • ​Highly knowledgeable and skilled team with expertise across SEO strategy and execution
  • Delivers measurable results, including strong growth in organic search traffic and top Google rankings
  • Excellent communication, guidance, and client-focused approach
  • Creative, detail-oriented, and strategic in planning and follow-through

Numero

numero®

Areas served: Auckland-wide
Base: Takapuna, Auckland
Hours: Mon to Fri 8 am–5:30 pm
Google rating: 4.9/5 (110+)
Email: [email protected]
Phone: 09 390 3997
Website: numero 

​​Core Services:
  • Search Engine Optimisation (SEO) 
  • Google Ads Management/Paid Search (Google Ads) 
  • Social Media Marketing & Advertising (Facebook/Instagram ads) 
  • Email Marketing Automation
  • Website Conversion Optimisation / Website Build & Conversion Focus
  • Content Marketing

What Clients Say:
  • Knowledgeable and skilled team, taking time to understand each business and its needs
  • Streamlines processes and improves efficiency, such as booking systems and Google advertising
  • Delivers measurable results, including increased leads and improved online presence
  • Quick to respond, professional, and easy to work with
  • Provides seamless project support from initial consultation to implementation

FireFly

FireFly Digital

Areas served: Auckland-wide
Base: Ellerslie, Auckland 
Hours: Mon-Fri 8:30 am–5:30 pm 
Google rating: 4.9/5 (50+)
Email: [email protected]
Phone: 0800 736 736 
Website: Firefly Digital

​Core Services:
  • Search Engine Optimisation (SEO) 
  • Google Ads Management (Paid search & related) 
  • Social Media Marketing & Advertising
  • Email Marketing Automation
  • Website Conversion Optimisation
  • Content Marketing

What Clients Say:
  • ​Expert digital marketing team with strong knowledge and proactive approach
  • Delivers measurable business growth and improved ROI across campaigns
  • Professional, transparent, and highly communicative with clients
  • Provides strategic guidance, helping businesses refine their unique value propositions
  • Friendly, supportive, and collaborative team, easy to work with remotely or locally

The Web Guys

The Web Guys

Areas served: Auckland-wide
Base: Parnell, Auckland
Hours: Mon to Fri 8:30 am–5 pm 
Google rating: 4.5/5 (140+)
Email: [email protected]
Phone: 09 390 8909
Website: The Web Guys

Core Services:
  • Search Engine Optimisation (SEO) 
  • Google Ads Management (Paid Search/SEM) 
  • Social Media Marketing & Advertising 
  • Email Marketing Automation 
  • Website Conversion Optimisation
  • Content Marketing

​What Clients Say:
  • Highly skilled and knowledgeable SEO and web development team
  • Friendly, approachable, and professional throughout the entire process
  • Provides clear guidance and support, making clients feel confident and informed
  • Delivers high-quality websites and branding that exceed expectations
  • Reliable and trustworthy team, always available to answer questions and assist

MoneyHub's Trusted Auckland Digital Marketing Agency

  • Our research highlighted one of Auckland’s most trusted digital marketing agencies, known for delivering measurable results and tailored strategies that help local businesses grow online.
  • We recommend reaching out to Fabric Digital - this highly rated agency has a proven track record of driving real business growth through SEO, Google Ads and website design, all backed by transparent communication and strong client relationships.
Fabric Digital

FAQs

Frequently Asked Questions


How much should I really budget for digital marketing in Auckland?

Allocate 5-10% of gross revenue if you're chasing growth, 2-5% if you're protecting market share. An Auckland SME turning over $2 million needs $8,000-$16,000 monthly to gain ground, or $3,000-$8,000 to hold position. Start-ups should invest 15-20% of revenue since they're starting from nothing. Competition drives costs - targeting "plumber Auckland" requires triple the budget of "plumber Papakura". Remember to calculate both agency fees and advertising spend. Most businesses start with insufficient budgets and wonder why nothing happens. Pick one channel and fund it properly rather than attempting everything on a shoestring.

What's the difference between cheap and expensive agencies - is it worth paying more?

Budget agencies at $1,500 monthly and premium firms at $10,000+ operate completely differently. Budget operations run template strategies with junior staff using basic tools. They'll maintain your social presence, handle simple SEO tasks, and produce standard reports. Premium agencies bring senior strategists, channel specialists, and enterprise-grade technology. They create custom frameworks, constantly test and refine, and deliver sophisticated insights. Consider what your involvement costs - budget agencies need constant input and direction. Premium firms operate independently and deliver faster growth. Companies exceeding $5 million revenue typically see premium agencies pay for themselves through superior performance.

How quickly will I see results from digital marketing?

Immediate (Week 1): Paid ads generate traffic instantly, though conversions need 2-4 weeks of optimisation. Short-term (Months 1-3): Social media engagement improves, email campaigns show results, website issues get fixed. Medium-term (Months 3-6): SEO starts showing movement, content marketing builds momentum, conversion rates improve through testing.
Long-term (6+ months): Organic rankings solidify, brand awareness compounds, customer acquisition costs decrease. Anyone promising overnight SEO success or instant viral content is lying. Google needs time to trust your site. Even paid campaigns need 4-6 weeks to properly optimise. Plan for 6-12 months to see meaningful ROI, though you should see positive indicators within 60-90 days.

Should I hire multiple specialist agencies or one full-service agency?

Depends on your size and complexity. Businesses under $2 million revenue: stick with one agency to reduce management overhead. Businesses $2-10 million: consider one main agency plus a specialist for your biggest channel. Over $10 million: multiple specialists often deliver better results if you have someone managing them internally. The coordination tax is real - managing three agencies takes 3x the meetings, approvals, and strategy sessions. Full-service agencies cost more but save management time. Specialists deliver better channel-specific results but need coordination. Most Auckland SMEs are better with one good agency than three average ones.

What happens if I want to leave my agency - will I lose everything?

Properly structured contracts protect your assets. You retain: account credentials, Google Ads/Analytics ownership, created websites and content, historical campaign data, design files, and subscriber databases. Agencies retain: internal processes and methodologies, proprietary software, and strategic templates. Verify admin access before signing anything. Watch for agencies creating accounts under their ownership, hosting websites on their infrastructure, or controlling your advertising history. Document everything in contracts. Expect 30-60 day notice requirements. Agencies creating exit barriers rely on imprisonment rather than performance. Quality agencies retain clients through results, not contractual handcuffs.

How do I know if my agency is actually doing anything?

​Demand transparent reporting that shows: work completed (not just "SEO optimisation" but specific tasks), metrics movement (traffic, rankings, conversions - with screenshots), ad spend efficiency (cost per click, conversion rates), and ROI calculations. Good agencies provide access to live dashboards, detailed monthly reports with commentary, and regular strategy adjustments based on data. Warning signs they're coasting: recycled reports, vague descriptions of work, no proactive recommendations, metrics that don't tie to business goals, or reluctance to show specific deliverables. You should see constant testing and optimisation, not set-and-forget campaigns. If you can't clearly articulate what your agency did last month, something's wrong.

Related guides:
  • ​SEO Experts in Auckland - The Definitive Guide to Finding an SEO Provider for Your Business Website
  • Top Rated Web Designers in Auckland

⚠️​ Disclaimer: MoneyHub.co.nz may have financial relationships with some businesses listed on this page due to their acceptance of our invite for additional promotion. We stand by the businesses we work with and believe them to be among the best. The pricing information provided is for informational and guidance purposes only and may not accurately represent the actual quotes or final bills for individual services. Our list should not be considered comprehensive. Please research and obtain quotes directly from a range of businesses to ensure accurate pricing and suitability for your needs.​​
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  • Search
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  • Credit Cards
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    • Reviews
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        • Qantas Credit Cards
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    • Travel Money By Country
      • Top Travel Destinations Where the NZD is Strong Right Now
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  • Banking & Savings
    • Banking
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    • Savings
      • Best Term Deposits
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      • Booster Savvy Review
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    • Guides and Resources
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    • Reviews
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  • Mortgages
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    • Alternative Mortgage Options
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      • Top 10 Areas for First Home Buyers 2025
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      • 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
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      • Mortgage Break Fees
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      • Mortgage Refinance Calculator
    • Mortgage Brokers
      • Mortgage Brokers Explained
      • Trusted Auckland Mortgage Brokers
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      • 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
      • Every Tax Deduction Property Investors Can Claim
      • Trusts vs LTCs vs Companies
      • Investment Property Mortgages
      • 20 Property Investment Risks You Can't Ignore
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • NZCB Review
      • 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
      • Best Performing KiwiSaver Funds
      • Milford vs ANZ KiwiSaver Growth Funds Comparison
      • Free $500+ Government Money for KiwiSaver
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
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      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
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      • KiwiSaver Withdrawal
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      • Feijoa Review
    • KiwiSaver Schemes
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      • MAS KiwiSaver Scheme
        • MAS Review
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      • Summer KiwiSaver Scheme
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      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
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  • Business Loans & Tools
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    • For Startups
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  • MSD
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  • Motoring
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      • Turners Cars Review
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