MoneyHub NZ
  • Search
  • Investing
    • Investing Platforms >
      • Reviews >
        • Sharesies Review
        • Hatch Review
        • Stake Review
        • InvestNow Review
        • Kernel Review
        • BlackBull Markets Share Trading Platform Review
        • Jarden Direct Review
        • Flint Wealth Review
        • ASB Securities Review
        • Interactive Brokers
        • Tiger Brokers (NZ) Review
        • Smartshares Review
      • Comparisons >
        • Sharesies vs Hatch vs Stake
        • Hatch vs Stake
        • Comparing Sharesies vs Investnow vs Hatch vs Jarden Direct and more
        • Best Investment Apps
        • Virtual Stocks and Shares Trading Games
      • Guides >
        • How to Invest in Shares
        • Investing in the US Stock Market from New Zealand >
          • How To Buy Tesla Shares
          • How To Buy Facebook 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
        • What Happens If Your Investing Platform Shuts Down?
        • Fractional Shares
        • Transferring Share Portfolios
        • How to Read and Understand a Share Chart
        • NZX in a Nutshell
        • Investing in Asian Markets from New Zealand
        • Understand Gross vs Net
    • Introduction to Investing >
      • Guides >
        • Introduction to Investing
        • Index Funds
        • 10 Ways to Invest in New Zealand
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • ETFs (Exchange Traded Funds)
        • Index Funds vs ETFs
        • Shares vs ETFs
        • Dollar-Cost Averaging Guide
        • Passive Income Strategies
        • How Wealthy New Zealanders Invest Their Money
        • The Best Way to Invest Inheritance or a Windfall
        • Barefoot Investor-Friendly Financial Products in New Zealand
        • Investment Terms Glossary
        • IPOs
      • Young People and Investing >
        • Investing for Kids
        • Investing For Grandchildren
        • 10 Top Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
      • Investing Calculators >
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing >
      • Guides >
        • Investing Guide
        • Our Favourite Funds
        • Advisers >
          • Financial Advisers Overview
          • Financial Advisers Auckland
        • Tax on Investments and Savings
        • Capital Gains Tax
        • Bright-Line Test
        • Ethical Investing
        • Best ESG Funds
        • Asset Allocations to Build Wealth
        • Managing Offshore Investments for Returning New Zealanders and Migrants
        • Managed Funds >
          • Booster Private Land and Property Fund Review
        • How to Buy and Sell Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowd Funding Guide
        • REITs Guide
        • Jasper Review
        • Investing & Personal Finance Podcasts
        • Emergency Funds
        • UK Pension Transfer to New Zealand
        • Investment Scams
        • 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
        • Investing Calculators
    • Alternative Investments and Trading >
      • Reviews >
        • CMC Markets Review
        • Plus500 Review
        • IG Review
        • BlackBull Markets Review
        • TMGM Review
        • CMC Markets vs Plus500 vs IG Markets vs BlackBull Markets
      • Guides >
        • How to Invest in Gold
        • Forex Trading Guide
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Forex Trading Tools
        • Forex Trading Platforms Comparison
        • Forex Trading Courses and Education
        • Forex Regulation
        • Copy Trading
    • Cryptocurrency >
      • Reviews >
        • Easy Crypto Review
        • BitPrime Review
        • Swyftx Review
        • Binance Review
        • Easy Crypto vs BitPrime vs Swyftx
        • Independent Reserve Review
        • eToro Review
        • Coinbase Review
        • Kiwi-Coin Bitcoin Exchange Review
        • Vault International Bitcoin Fund Review
      • Guides >
        • How to Buy Bitcoin in New Zealand
        • Beginner's Guide to Bitcoin and Blockchain
        • Guide to NFTs
        • Bitcoin Wallet Guide
        • Bitcoin Mining
        • How to Sell Bitcoin
        • Bitcoin and Crypto Scams
        • 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
      • How to Save for a Car
      • Buying a Car Loan vs Personal Loan - What is Better for Buying a Car?
      • Car Loans and Collateral
      • MBI (Mechanical Breakdown Insurance)
      • GAP (Guaranteed Asset Protection Insurance) Insurance
      • Bad Credit Car Loans
      • Paying Cash for a Car vs Car Finance
      • Car Dealership Finance vs Alternatives
      • Balloon Payments
      • How to Refinance Your Car Loan
      • Simplify Loans Review
      • Car Loan Refinance Calculator
    • Personal Loans >
      • Debt Consolidation Loans
      • Secured Loans
      • Home Renovation Loans
      • Online Loans
      • Bad Credit Loans
      • Beneficiary Loans
      • Payday Loans
      • Cash Advance
      • Low Income Loans
      • Same Day Loans
      • Personal Loan Calculator
      • Debt Consolidation Calculator
      • Refinance Personal Loan Calculator
      • Home Renovation Loan Calculator
      • Interest Calculator
      • Harmoney Loans Review
      • Avanti Finance Review
      • Save My Bacon Review
      • Moola Review
      • Harmoney vs Moola
    • Credit Scores & Interest Rates >
      • Credit Scores and Credit Checks 2022
      • How to Build Credit in New Zealand
      • Baycorp and Debt Collection
      • Interest Rates Guide
      • Interest Rate Comparison
      • Buy Now Pay Later Apps >
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Car Insurance >
      • Guides >
        • How to Get Cheaper Car Insurance
        • Car Insurance Calculator
        • No Claims Bonuses Explained
        • Car Insurance Excess Explained
        • Cheapest Cars to Insure
        • Modifications that Make a Car Uninsurable
        • Car Insurers Directory
        • Car Insurance Glossary
      • Reviews >
        • Tower Car Insurance Review
        • Cove Car Insurance Review
        • Trade Me Car Insurance Review
      • AMI vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
      • Young Driver Car Insurance
      • Third Party Car Insurance
      • Caravan Insurance
    • Home, Contents and Other Insurance >
      • House Insurance
      • House Insurance Calculator
      • Contents Insurance
      • Home and Contents Insurance
      • Renters' Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Motorbike Insurance
      • Insurance Brokers >
        • Trusted Insurance Brokers in Wellington
        • Trusted Insurance Brokers in Christchurch
    • Pet Insurance >
      • Cat and Dog Desexing
      • Getting a Kitten
      • Getting a Puppy
      • Pet Euthanasia
    • Life & Health Insurance >
      • Life Insurance >
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • Life Insurance Calculator
        • Pre-Existing Medical Conditions
        • Buying Life Insurance Direct vs. Using an Insurance Broker
        • Life Insurance Policies - Features and Questions to Ask
        • When To Cancel Or Change a Life Insurance Policy
        • Life Insurance For Smokers and Vapers
      • Health Insurance
      • Income Protection Insurance >
        • ACC vs Income Protection Insurance
        • Income Protection Insurance for Self Employed
      • Mortgage Insurance
      • Trauma Insurance
      • Redundancy Insurance
      • Funeral Insurance >
        • Funeral Costs
  • Credit Cards
    • Best Credit Cards
    • Rewards and Cashback Credit Cards
    • Air New Zealand Credit Cards >
      • ANZ vs AMEX vs Kiwibank vs Westpac Platinum Airpoints Credit Cards
    • Balance Transfer Credit Cards
    • Reviews >
      • American Express Credit Cards Review >
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
      • Wise Debit Card Review
      • Flight Centre Mastercard Review
    • Guides >
      • Pay Off Credit Card Debt
      • Credit Card Basics
      • Mastercard vs Visa
      • Credit Card Minimum Payments
      • Where is Amex Accepted?
      • Credit Card Interest Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards >
      • Travel Money Cards
      • Travelex Money Card vs Wise Debit Card Comparison
      • Best Foreign Currency Debit & Credit Cards
      • Free Credit Cards
      • Low Interest Credit Cards
      • Credit Cards for Bad Credit
  • Banking & Savings
    • Banking >
      • Best Bank Accounts
      • Best Debit Cards
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • International Money Transfers
    • Savings >
      • Best Savings Accounts
      • Best Term Deposits
      • Term Deposit Alternatives
    • Guides and Resources >
      • Open Banking Guide
      • NZ Bank Prefix Codes
    • Reviews >
      • Wise International 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?
      • 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
    • Alternative Mortgage Options >
      • Low-Deposit Home Loans
      • Rent to Own Homes
      • First Home Loan Guide
      • Reverse Mortgages
    • Mortgage Management >
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • Remortgaging Guide
      • Amortisation Calculator
      • Mortgage Refinance Calculator
    • Mortgage Brokers >
      • Mortgage Brokers Explained
      • Mortgage Brokers - Auckland
      • Trusted Hamilton Mortgage Brokers
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers in Christchurch
    • Buying a Home >
      • First Home Buyers Checklist
      • Home Buying Glossary
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
    • Selling a Home >
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment >
      • Investment Property Mortgages
      • Renting Directly to Tenants vs Using an Agent
    • Building a House >
      • Average Building Cost Per Square Metre
      • Buying Land to Build a House
      • Construction Loans
      • Cost to Build a New House
  • KiwiSaver
    • Our Favourite KiwiSaver Funds
    • KiwiSaver Essentials >
      • Switching KiwiSaver Funds
      • KiwiSaver and Tax
      • Is KiwiSaver Safe?
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Choosing Your KiwiSaver Provider
      • KiwiSaver Robo and Digital Advice Tools
      • Opting out of KiwiSaver
      • KiwiSaver Calculator
      • What's My PIR?
      • Contributions >
        • How to Check Your KiwiSaver Contributions
        • KiwiSaver Contributions - Gross or Net?
        • Your KiwiSaver Contributions
        • Employer KiwiSaver Contributions
        • Government KiwiSaver Contributions
        • KiwiSaver Contributions Holiday
        • Voluntary Contributions
    • KiwiSaver Returns Calculator
    • Guides >
      • KiwiSaver Hardship Applications
      • Choosing a KiwiSaver Fund
      • Ethical Kiwisaver Funds
      • KiwiSaver Guide
      • KiwiSaver for Kids
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Private Equity
    • Schemes >
      • Amanah KiwiSaver Scheme
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • MAS KiwiSaver Scheme
      • Pathfinder KiwiSaver Review
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • InvestNow KiwiSaver Scheme
      • JUNO KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • Lifestages KiwiSaver Scheme
      • Kiwi Wealth KiwiSaver Scheme
      • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • Nikko AM KiwiSaver Scheme
      • Westpac KiwiSaver Scheme
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
  • Business
    • Business Essentials >
      • Business Loans
      • Prospa Business Loans Review
      • Business Credit Cards
      • Public Liability Insurance
      • Business Insurance
      • Money Saving Tips For Businesses
      • Get Debtors to Pay Overdue Invoices
      • Liquidations and Receiverships
      • Can't Make Payroll Guide
      • Buying out a Business Partner
      • Business Brokers
    • Business Calculators >
      • Business Loan Calculator
      • ROI Calculator
      • IRR Calculator
      • Internal Rate of Return
      • Percent Off Calculator
      • Profit Margin Calculator
      • Current Ratio Calculator
      • Quick Ratio Calculator
    • Online Services >
      • Domain Names
      • Trusted Web Designers >
        • Auckland Web Designers
        • Hamilton Web Designers
        • Wellington Web Designers
        • Christchurch Web Designers
        • Tauranga Web Designers
        • Lower Hutt Web Designers
        • Dunedin Web Designers
      • Digital Identity Programs and Online Verification Tools
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
    • For Startups >
      • How to Start a Business in New Zealand
      • Raising Capital
      • Product Market Fit
      • Crowdfunding vs Bank Financing
      • Blackbird vs Movac
      • How to Become an Angel Investor
      • How to Raise Money from Angel Investors
      • Alternatives to VC Funding
      • Hiring for a Startup
      • VCFO (Virtual CFO)
      • New Zealand Startup and Founder Incubators
      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
  • Students
    • Scholarships 2022
    • Jobs >
      • Student Jobs Guide
      • Student CV Templates
      • Student Job Cover Letters
      • Student Job Interview Questions and Answers
      • Summer Internships 2022
      • University and Polytechnic Student CV Templates
    • Money Resources >
      • Student Bank Accounts
      • Student Loans & Allowances
      • Year 13 Essential Checklist
      • Student Money Tips
      • Money in a Nutshell for Teenagers
      • Freebies for School Students
      • Money Tips for Kids and Teenagers
    • Education >
      • What to Study in 2023
      • Alternative Study Providers
      • School Holidays 2022
      • Public Holidays 2022
  • Motoring
    • Buying and Selling a Car >
      • Car Valuations
      • Buying a Used Car
      • Selling a Car
      • Top Cars that Hold Their Value
      • Vehicle Leasing
    • Everyday Driving >
      • 20 Ways to Make Driving Cheaper
      • Parking Tickets
      • AA Membership Review
      • Best Car Batteries
      • Best Electric Cars
    • Warrant of Fitness >
      • Guide to Warrant of Fitness
      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
      • Warrant of Fitness Tauranga
      • Warrant of Fitness Lower Hutt
      • Warrant of Fitness Wellington
      • Warrant of Fitness Christchurch
      • Warrant of Fitness Dunedin
  • Law
    • Wills Guide
    • Footprint Online Wills Review
    • Prenuptial Agreements
    • Trusts Guide
    • Divorce Guide
    • Enduring Power of Attorney Guide
    • Living Wills Guide
    • Probate
    • Perpetual Guardian
  • Job Hunting
    • Job Applications >
      • CV Templates & Tips
      • Cover Letters
      • Common Interview Questions
    • Guides & Resources >
      • How to Improve Your LinkedIn Profile
      • Part-Time Jobs Guide
      • Redundancy Payouts and Entitlements
      • How to Get Promoted
      • Self-Employment Guide
      • Workplace Bullying
    • Recruitment Agencies >
      • Recruitment Agencies Auckland
      • Recruitment Agencies Wellington
      • Recruitment Agencies Christchurch
  • Broadband
  • Power
    • Compare Power Companies
    • How to Lower Your Power Bills
    • Fixed Contracts vs Open Power Plans – What You Need to Know
    • Power Companies >
      • Contact Energy Review
      • Ecotricity Review
      • Electric Kiwi Review
      • Flick Electric Review
      • Frank Energy Review
      • Genesis Energy Review
      • Globug Review
      • Mercury Energy Review
      • Meridian Energy Review
      • Nova Energy Review
      • Powershop Review
      • Pulse Energy Review
      • Trustpower Review
  • Financial Independence
    • FIRE Guides >
      • Retirement in a Nutshell
      • How to Retire Early
      • FIRE Explained
      • The Four Percent Rule
      • Five Types of FIRE Plans
      • Getting FIRE’d in New Zealand
      • FIRE and NZ Real Estate
      • Achieving Financial Independence, Faster
    • FIRE Tools >
      • Budgeting Apps
      • Free Financial Literacy Classes
      • Free Financial Products
      • 50/30/20 Budget Calculator
      • Budget Planner
    • Tax >
      • Beginner's Guide to Tax
      • Salary Sacrifice in New Zealand
    • Money Tips >
      • Teaching Kids About Money
      • Single Parenting and Money
      • How to Protect Your Finances from Inflation
      • Tips for Families on a Single Income
      • 20 Ways to Save LOTS on Household Bills
      • Side Hustles
      • Lending Money to Friends & Family
  • Better Living
    • Food & Grocery >
      • My Food Bag vs HelloFresh vs WOOP vs Bargain Box Comparison
      • HelloFresh Review
      • My Food Bag Review
      • Bargain Box Review
      • Woop Review
      • Online Supermarkets
      • Save Money on Food
      • Supermarket Christmas Clubs >
        • New World Christmas Club Review
        • PAK'nSAVE Christmas Club Review
        • Countdown Christmas Club Vouchers
      • Coupons & Deals >
        • Kids Eat Free
    • Entertainment >
      • Streaming TV Services
      • Netflix Review >
        • Best Netflix Movies
        • Best Netflix TV Shows
      • Amazon Prime Video Review >
        • Best Amazon Prime Movies
        • Best Amazon Prime TV Shows
      • Disney+ Review
      • Apple TV+ Review
    • Consumer Rights >
      • How to Get a Refund, Repair or Replacement
      • What To Do If You Do NOT Receive Your Refund
      • The Complete Guide to Renting in New Zealand
    • Free Samples
    • Make Money Online
    • Paid Survey Websites Review
    • Nielsen Homescan Review
    • Nielsen Digital Voice Review
    • Valued Opinions Review
    • Opinion World Review
    • Triaba New Zealand Review
    • Rewardia New Zealand Review
    • School Holiday Activities >
      • Auckland School Holiday Activities
      • Wellington School Holiday Activities
      • Christchurch School Holiday Activities
    • 65+ Best Online Shopping Websites in New Zealand
    • Shoe Size Conversion Guide
    • Affordable Online Clothes Shopping
    • Best Baby Clothes
    • Dress Size Conversion
    • New Zealand Fashion Designers
    • Buy Books Online
    • Black Friday New Zealand Deals
    • Mother's Day Ideas and Gifts
    • Father's Day Ideas and Gifts
    • Daycare Checklist
    • How to Sell on Fiverr
    • Computer & Accessories >
      • Best Printers
      • Computer Desks
    • Gym Memberships Guide
    • Retirement Villages
    • Home & Kitchen >
      • Best Vacuum Cleaners
      • Best Coffee Grinders
      • Best Waffle Makers
      • Best Air Purifiers
      • Best Dehumidifiers
      • Best Treadmills
      • Best Washing Machines
      • Best Air Fryers
      • Best Juicers
      • Best Fridge Freezers
      • Best Mattresses
      • Best Ride-On Lawn Mowers
      • Best Pressure Cookers
      • Best Lawn Mowers
    • Blinds, Curtains and Drapes Auckland
    • Bathroom Renovations Guide
    • Weddings on a Budget
    • Wedding Budget Calculator
    • Trade Me Selling Tips
    • Prezzy Cards
    • Health & Personal Care >
      • Weight Loss Shakes
      • Teeth Whitening
      • Anti-Ageing Creams
      • Hair Straighteners
      • Sunscreen
      • Jenny Craig Review
      • Weight Watchers Review
    • Grammarly Review
    • Moving to New Zealand
  • Trade & Professional Services
    • Auckland Trade & Professional Services >
      • Acupuncture Auckland
      • Arborists Auckland
      • Asbestos Removal Auckland
      • Auto Electricians Auckland
      • Bathroom Renovations Auckland
      • Builders Auckland
      • Building Inspectors Auckland
      • Cabinet Makers Auckland
      • Car Detailing Auckland ​
      • Catering Auckland
      • Cattery Auckland
      • Chimney Sweep Auckland
      • Chiropractors Auckland
      • Cleaners Auckland
      • Computer Repair Experts Auckland
      • Concreters Auckland
      • Dentists Auckland
      • Dog Boarding Kennels Auckland
      • Dog Daycare Auckland
      • Dog Grooming Auckland
      • Dry Cleaners Auckland
      • Electricians Auckland
      • Eyelash Extensions Auckland
      • Firewood Auckland
      • Flooring Companies Auckland
      • Fridge Repair Auckland
      • Garage Door Repair Auckland
      • Glaziers Auckland
      • Graphic Design Auckland
      • Gutter Cleaning Auckland
      • Gym Memberships Auckland
      • Hair Salons Auckland
      • Heat Pump & AC Specialists Auckland
      • Home Security Systems Auckland
      • Korean BBQ Auckland
      • Land Surveyors Auckland
      • Landscapers Auckland
      • Lawn Mowing Services Auckland
      • Locksmiths Auckland
      • Mechanics Auckland
      • Makeup Artists Auckland
      • Naturopaths Auckland
      • Optometrists Auckland
      • Painters Auckland
      • Panel Beaters Auckland
      • Personal Trainers Auckland
      • Pest Control Auckland
      • Plumbers Auckland
      • Podiatrists Auckland
      • Puppy School Auckland
      • Roofing Auckland
      • Scaffolding Auckland
      • Screen Printing Auckland
      • Solar Panels Auckland
      • Quality Tyres Auckland
      • Wedding Car Hire Auckland
      • Wedding Celebrant Auckland
      • Wedding Photographers Auckland
      • Wedding Videographers Auckland
      • Window Tinting Auckland
    • Wellington Trade Services >
      • Arborists Wellington
      • Bathroom Renovations Wellington
      • Builders Wellington
      • Building Inspectors Wellington
      • Car Detailing Wellington
      • Catering Wellington
      • Cattery Wellington
      • Dog Boarding Kennels Wellington
      • Dog Daycare Wellington
      • Dog Grooming Wellington
      • Firewood Wellington
      • Glaziers Wellington
      • Gym Memberships Wellington
      • Heat Pump & AC Specialists Wellington
      • Lawn Mowing Services Wellington
      • Mechanics Wellington
      • Panel Beaters Wellington
      • Personal Trainers Wellington
      • Pest Control Wellington
      • Plumbers Wellington
      • Puppy School Wellington
      • Roofing Wellington
      • Wedding Photographers Wellington
    • Christchurch Trade Services >
      • Arborists Christchurch
      • Bathroom Renovations Christchurch
      • Builders Christchurch
      • Building Inspectors Christchurch
      • Car Detailing Christchurch
      • Catering Christchurch
      • Cattery Christchurch
      • Dog Boarding Kennels Christchurch
      • Dog Daycare Christchurch
      • Dog Grooming Christchurch
      • Firewood Christchurch
      • Glaziers Christchurch
      • Gym Memberships Christchurch
      • Heat Pump & AC Specialists Christchurch
      • Lawn Mowing Services in Christchurch
      • Mechanics Christchurch
      • Panel Beaters in Christchurch
      • Personal Trainers Christchurch
      • Pest Control Christchurch
      • Plumbers Christchurch
      • Puppy School Christchurch
      • Roofing Christchurch
      • Wedding Photographers Christchurch
    • Hamilton Trade Services >
      • Arborists Hamilton
      • Bathroom Renovations Hamilton
      • Builders Hamilton
      • Building Inspectors Hamilton
      • ​Car Detailing Hamilton
      • Catering Hamilton
      • Cattery Hamilton
      • Dog Boarding Kennels Hamilton
      • Dog Daycare Hamilton
      • Dog Grooming Hamilton
      • Glaziers Hamilton
      • Gym Memberships Hamilton
      • Heat Pump & AC Specialists Hamilton
      • Lawn Mowing Services Hamilton
      • Mechanics Hamilton
      • Panel Beaters Hamilton
      • Personal Trainers Hamilton
      • Pest Control Hamilton
      • Plumbers Hamilton
      • Puppy Schools Hamilton
      • Roofing Hamilton
    • Tauranga Trade Services >
      • Arborists Tauranga
      • Bathroom Renovations Tauranga
      • Builders Tauranga
      • Building Inspectors Tauranga
      • ​Car Detailing Tauranga
      • Catering Tauranga
      • Cattery Tauranga
      • Dog Boarding Kennels Tauranga
      • Dog Daycare Tauranga
      • Dog Grooming Tauranga
      • Glaziers Tauranga
      • Gym Memberships Tauranga
      • Heat Pump & AC Specialists Tauranga
      • Lawn Mowing Services Tauranga
      • Mechanics Tauranga
      • Panel Beaters Tauranga
      • Personal Trainers Tauranga
      • Pest Control Tauranga
      • Plumbers Tauranga
      • Roofing Tauranga
    • Dunedin Trade Services >
      • Builders Dunedin
      • Building Inspectors Dunedin
      • Car Detailing Dunedin ​
      • Catering Dunedin
      • Firewood Dunedin
      • Gym Memberships Dunedin
      • Heat Pump & AC Specialists Dunedin
      • Mechanics Dunedin
      • Panel Beaters Dunedin
      • Personal Trainers Dunedin
      • Plumbers Dunedin
      • Wedding Photographers Queenstown
    • Lower Hutt Trade Services >
      • Builders Lower Hutt
      • Catering Lower Hutt
      • Mechanics Lower Hutt
      • Panel Beaters Lower Hutt
      • Plumbers Lower Hutt
    • Napier and Hastings Trade Services >
      • Building Inspectors Napier and Hastings
      • Heat Pump & AC Specialists Napier and Hastings
  • Get Our Newsletter

Expanding Offshore - The Definitive Guide for New Zealand Businesses

Our guide outlines the global expansion potential for startups, the reasons to expand globally, the challenges and tips to ensure a profitable outcome.

Expanding Offshore (Guide for New Zealand Businesses)
Updated 16 March 2022

Summary
  • There comes an inflexion point in the lifecycle of most startups where a founder must decide whether to expand into new markets.
  • Maybe they've saturated the home market they sell into, or competition becomes too fierce. In addition, regulation may restrict certain industry operations, which has made the sector unprofitable.
  • For whatever reason – offshore markets present a blue sky opportunity for many startups to not only increase their customer base but diversify their business away from any geopolitical impacts that might happen as a result of only selling into one country.
  • However, launching operations into other countries too early or without performing the right due diligence can ultimately risk your capital, brand and potentially the entire company.
  • On the other hand, if you wait too long and competitors entrench themselves before you can expand, you'll lose out on chances to scale and build your brand.

This guide breaks down why companies expand offshore, the pros and cons for doing so, and the top tips New Zealand startups can do to succeed at international expansion. We cover:
  • Global Expansion Potential for Startups
  • Why Should New Zealand Startups Expand Internationally?
  • Biggest Challenges for New Zealand Startups Expanding Offshore
  • Top Tips for New Zealand Startups Going Global

MoneyHub Founder Christopher Walsh shares his comments on expanding overseas:

Expanding overseas is risky. Many successful New Zealand companies have thrived locally and died in similar markets like the UK, USA and Australia. The effects are often catastrophic, and a wrong move overseas can bankrupt the whole company.

There are many examples - Pumpkin Patch, Kathmandu founder Jane Cameron, and My Food Bag (which shut down in Australia in 2016) are just a fraction of real cases. Australia can be challenging (as this Stuff.co.nz article outlines), meaning the UK and the USA are likely even tougher.

As a background, MoneyHub started its expansion into Australia in late 2020 - by mid-2021, we're still to launch. Regulation, licencing and hiring the right team all take time. I believe even expanding into Australia without proper consideration is dangerous. To help, we've put together this guide so that business owners can avoid the mistakes of those that came before them. 
Christopher Walsh MoneyHub

Expanding Offshore (Guide for New Zealand Businesses)

Global Expansion Potential for Startups

Even if a startup is new and small, it can still have enormous global expansion potential. Here are a few common signs that this is the right time for your startup to expand internationally:
Expanding Offshore (Guide for New Zealand Businesses)

Global Focus

While your startup's initial target market could be in New Zealand, many problems that exist here will also exist in other markets (if not even worse of an issue – think healthcare, inequality or access to financial advice). If you think you will expand your startup internationally at some point, having a global focus allows you to deeply understand your new customer base. You can then tailor your initial strategies to make the transition easier once you get there.
Expanding Offshore (Guide for New Zealand Businesses)

Solid Revenue Base

If you decide to expand internationally, you will need money (and a substantial amount of it). While some startups raise capital from external investors specifically to tackle offshore markets, it can be a long and drawn-out battle to compete with existing incumbents that may have been around longer, have entrenched themselves or have more cash to fight with. 

You may have a product you think offshore markets will love, but it can be more complex than initially thought to sell into a different consumer group. Not all countries are the same, and you may have to spend a significant amount of time and money to understand your new customer base.
Expanding Offshore (Guide for New Zealand Businesses)

Back-end Processes

Having the tools and foresight to make your back-end processes robust is essential. Expanding internationally has many different issues to think about. These can include navigating other laws and regulations, optimising products to suit the new market, hiring local sales teams, and solving problems such as recruiting, paying, and providing staff benefits.
Expanding Offshore (Guide for New Zealand Businesses)

Forward-looking fiscal planning

Make reliable budgets for international expansion is a critical step to succeeding in offshore development. Expanding efficiearly can help keep competitors from squeezing you out of offshore markets. If you're able to plan ahead and develop early before competition can entrench itself will help you to gain a leading edge in the market.

Expanding Offshore (Guide for New Zealand Businesses)

Why Should New Zealand Startups Expand Internationally?

International expansion for startups offers many opportunities and benefits. Here are a few of the advantages that New Zealand startups expanding internationally are likely to see:
Expanding Offshore (Guide for New Zealand Businesses)

Larger Profits

The top reason startups expand internationally is to extend their runway and increase their revenue. It's never been easier to research and understand an offshore market – with easy access to market research and analysis on competitors. Startups can map out their game plan and expand to the most prosperous countries. Successful international expansion can help startups continue their revenue growth and set themselves up for steady profits for several years to come.
Expanding Offshore (Guide for New Zealand Businesses)

Global Brand Recognition

Focusing on the New Zealand market involves less risk than international expansion. However, expanding globally can help to create a powerful global brand. When this happens, audiences everywhere around the globe recognise your brand, and this is where word of mouth can become explosive for your future growth.
Expanding Offshore (Guide for New Zealand Businesses)

Increased Long-Term Success

The increased growth that comes from offshore expansion can dramatically improve a startup's long-term success. While most startups don't grow to become billion-dollar companies, expanding internationally can help New Zealand startups to grow faster and improve the likelihood their company will survive for decades to come.
Expanding Offshore (Guide for New Zealand Businesses)

Access to Global Talent

Finding skilled talent is essential for any startup, but ,it is more complex than ever to find the best-suited candidates at a reasonable salary level in today's labour market. In addition, as business becomes increasingly interconnected across the planet, tapping into these new job markets will help establish a competitive advantage compared to your competition. Unfortunately, however, COVID-19 has severely restricted the amount of foreign talent that used to be able to be hired.

Expanding Offshore (Guide for New Zealand Businesses)

Biggest Challenges for New Zealand Startups Expanding Offshore

Expanding offshore is not easy. During international expansion, New Zealand startups can expect to face many different challenges detailed below:
Expanding Offshore (Guide for New Zealand Businesses)

Language Barriers

Language barriers when expanding offshore can cause several issues, such as miscommunication, loss of nuance and provocation during essential dialogues. While English is the primary language spoken in many countries and is common in most business situations, many international markets will not use English. These markets typically make up a significant portion of the offshore market (think Asia, Africa, or South America).

As a result, most startups will need to deal with local languages, whether that includes hiring your own talent that speaks the language of learning the language yourself. Try your best to communicate in the local language where possible - it shows that you care about and respect the local culture. Hiring professional translators and employees who are fluent in the local language can help to simplify conversations.

Expanding Offshore (Guide for New Zealand Businesses)

Cultural Differences

Successful global expansion requires that you pay attention to the organisation's culture — both the business culture of your startup and your new commercial partners that you're hiring offshore. The local social and cultural differences may significantly impact cross-border culture. International growth is probably going to affect your startup's business culture:
  1. The vision, philosophy, and key objectives of your company will gradually evolve as you spend more time and energy building a global brand and creating products/services with a global reach.
  2. Your overseas employees will tend to reflect the values of their local culture, which will help conduct business more effectively in those countries. However, it will also mean that you must ensure that your startup continues to hold a shared vision and a set of core principles across different countries.

A significant focus for startup founders should be to make sure that solid relationships can form organically within your new markets. Your goal should be to find meaningful and authentic connections that facilitate successful working partnerships within the local culture. Make sure you are doing your research by learning about the requirements of the local market (and the relevant values and habits of the local people). This will require translating your products and marketing messages into local languages and ensuring that meaning isn't lost along the way. It can help to get some local talent to help with this. Determining the extent to which foreign markets expect your business to adapt to local customs and values is also essential.

Expanding Offshore (Guide for New Zealand Businesses)

Logistical Challenges

Initially, the logistical challenges of expanding internationally can be daunting. Startups will need a reliable way to move their products (if they sell physical items) and strategies for navigating bureaucratic and legal processes like taxation, rules and regulations and banking.

A large number of developing countries have less robust legal processes, and corruption may be something you have to deal with. It's essential to research and understand what each potential country is like before expanding there. Additionally, startups may not always have sufficient staff to tackle these challenges – but ensure you can hire a relevant, experienced and knowledgeable team to handle situations like this – this will set you up the best to tackle global markets.

Expanding Offshore (Guide for New Zealand Businesses)

Inexperience

It can be helpful to have at least one person in the startup to have experience in starting and running companies. Veterans of the startup world can offer crucial advice on various parts of offshore expansion – including specific target markets. While this isn't a hard prerequisite, it's a good idea to seek assistance from seasoned mentors and founders – and this is where being part of specific startup communities can help immensely.
Expanding Offshore (Guide for New Zealand Businesses)

Marketing

Marketing issues in international markets are often closely aligned with language and cultural barriers. Techniques that work great in one market can seem overbearing in another, or the values that a marketing strategy is trying to appeal to may not work in other markets. Marketing research is essential in international markets where language and culture differ from those within the home market. Marketing research allows startups to tailor their strategies to the unique requirements and desires of their new audience.
Expanding Offshore (Guide for New Zealand Businesses)

Failing to Find Product Market Fit

One of the main things preventing firms from succeeding abroad is wrong Product Market Fit (PMF). So many founders work hard to create perfect products for their home markets, only to realise that they do not translate well to other markets with entirely different consumers. 

In contrast, if startups develop more generic products to appeal to many consumers, the products may become commoditised in the home market as they're not differentiated enough compared to competitors. Startups can help themselves resolve this paradox partially by performing market research and determining which potential markets share common traits and needs.

Expanding Offshore (Guide for New Zealand Businesses)

Staffing Challenges

Staffing an offshore startup office comes with its own set of challenges. Startups expanding globally will need to deal with recruiting, onboarding, training, payroll, benefits and terminations – all while trying to devote their focus to core areas like sales, marketing, and research and development.

One method to tackle this challenge is to accumulate the required knowledge and skills to handle international human resources. It is typically cheaper to do all of this in-house, but both can be a drain on your time. Outsourcing this task and partnering with a local HR manager can be an effective, reliable, and cost-effective way to staff offshore offices and allow you to focus on what you may be more effective at – building the business.

Expanding Offshore (Guide for New Zealand Businesses)

Top Tips for New Zealand Startups Going Global

Expanding Offshore (Guide for New Zealand Businesses)

Start Small

When you first start expanding your startup into international markets, it can be tempting to draft big, ambitious growth plans and to take over the world in two years. However, it is often better to take a few small, measured, manageable steps first — perhaps by experimenting with a few offshore sales clients before opening an enormous office in the new country.

Staffing a new office involves many logistical challenges – from coordinating with remote employees, working across different time zones, and negotiating other management practices and rules. It's likely to be best to start out with a few employees first so you can learn and iterate the best techniques you'll need to scale before hiring more substantial staff offshore.
Expanding Offshore (Guide for New Zealand Businesses)

Conduct Initial Research

Expanding overseas requires taking a comprehensive look at your target marketplace, and you're your startup could sit within it.
This means looking at factors like:
  • Your business's strengths and weaknesses within the specific region.
  • The various strengths and weaknesses of the competition in the region.
  • Product differences will need to be made to support international customers.
  • The total available market (TAM) vs the serviceable available market (SAM).

The main reason for conducting market research is to get an accurate picture of what demand is tangibly there for your startup - this means thoroughly utilising every available avenue to learn about your target market and competition. The key ways to conduct global market research are:

Online Databases
While you can pay for paid research, a wide variety of comprehensive databases are available for free. You can never have too much information – your ultimate goal is to find all available public input on a target market to understand what your competitors do deeply, their main competitive strategies and what they're likely to do if you enter their market. Some critical databases include Pitchbook, Factset and Bloomberg.

On The Ground Research
There is no substitute for getting up close to your target market and doing in-person research. Meeting face-to-face with the customers, you would like to sell to can provide invaluable feedback on how you would potentially modify your product or adapt your international expansion strategy. Cultural values, innate preferences and social protocol can vary widely depending on the country. Without a strong understanding of your offshore target market, you allow an outsized margin for costly mistakes. Once you've got an idea of product-market fit, begin communicating your expansion strategy to the broader team.
Expanding Offshore (Guide for New Zealand Businesses)

Choose Your Target Market

Once you've narrowed down your options, it's time to choose the first offshore market you'd like to break into. Often, tech startups start with a larger market that has enough of a Total Addressable Market (TAM) to justify expansion. Popular countries that fit these criteria are usually the UK, the US, Canada, Australia, France, Germany, and Japan. With that said, many other countries that have specific niche consumers are also popular. In contrast, The BRICs (Brazil, Russia, India and China) have a reputation for being more challenging to expand into than others.

Ultimately, countries that have the following will (generally) make good markets:
  • Strong mobile penetration
  • Stable political environments
  • Accessible payment infrastructures
  • Favourable regulatory and tax laws
Expanding Offshore (Guide for New Zealand Businesses)

Understand the Specifics

Most offshore expansion plans run into problems when unfortunate oversights happen during the initial planning phase. Each country has its own flair when it comes to investment, legal, marketing, and other factors.

It is vital to plan for all potential courses of action (regardless of probability) when planning for international expansion. The founder should be asking questions such as:
  • What will your supply chain and logistics look like?
  • Are you looking at a neighbourhood within a city, a specific country itself, or multiple countries?
  • How much capital will you need for marketing, translation, redesign and legal work?

Consulting with experienced international startup advisors or other New Zealand founders who have successfully expanded offshore and who can support you through the design process from start to finish. Check out the top New Zealand startups resource pa
ge here to find companies that may have expanded offshore.
Expanding Offshore (Guide for New Zealand Businesses)

Protect Your IP

Another critical player you'll need to support your international expansion strategy might be a lawyer. Local representation in your target country can guide you through the paperwork and help lay the groundwork for a seamless launch – whether that's in regards to setting up your company offshore, dealing with litigation issues or protecting your unique IP in that market.
Expanding Offshore (Guide for New Zealand Businesses)

Understand Team Strategy

It can help to determine what new hires you'll need to make for offshore expansion and in what capacity (or which team members will focus on the latest market or relocate to a new country). If your startup sells physical goods, you'll need significantly more team members in the new region to handle manufacturing, distribution, and warehousing.

It's an added benefit if the individuals you hire will fully immerse themselves in the local culture and can speak with overseas partners and customers. This is one of the core reasons why it is so important to visit a particular country and spend time making face-to-face connections.

Expanding Offshore (Guide for New Zealand Businesses)

Study the Local Culture

Understanding the nuances of the local culture is one of the most critical steps on the road to international growth success for your startup. Different cultures have different ways of working, communicating, and interacting – learning how to adapt your management techniques to meet their preferences is crucial for maintaining a happy and effective global workforce. Training your international team leaders to deeply understand their workers' unique cultural differences is a great way to show you're a startup that cares for its employees, helping to make a culture of unity and dedication.
Expanding Offshore (Guide for New Zealand Businesses)

Understand the Local Rules and Regulations

Laws and regulations in your target market are likely to be intricate, complex, and different from the system you're familiar with. Taxes will also differ, and if you fail to understand the local tax codes and regulations, you may face severe penalties and bad PR. Getting help from knowledgeable, experienced professionals who can navigate the regulatory frameworks is crucial to success.
Expanding Offshore (Guide for New Zealand Businesses)

Learn From Your Mistakes

When it involves offshore expansion, some bumps in the road are to be expected, especially for early-stage startups. When things fail, try to remain optimistic and flexible. Frame mistakes as opportunities to find out and grow – you will always come up against tough challenges as your startup ages. By doing this, you'll help shape your company into a more resilient organisation with the adaptability and know-how to succeed internationally.

Related Guides
  • How to Start a Business
  • 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
  • Invoice Templates
  • Business Podcasts
EXPLORE
Top Performing KiwiSaver Funds
Best Credit Cards
Sharesies vs Hatch vs Stake
Student Jobs
and Scholarships
Compare Car Finance
LEGAL
How this Website Works
Advertising Policy
Terms & Conditions
Cookies & Data FAQs
Privacy Policy

ABOUT
Contact Us
About MoneyHub

Join our Newsletter
Media and Press Information
Make a Complaint
MEMBERSHIPS
InsurTech NZ
fintechnz member
  • Search
  • Investing
    • Investing Platforms >
      • Reviews >
        • Sharesies Review
        • Hatch Review
        • Stake Review
        • InvestNow Review
        • Kernel Review
        • BlackBull Markets Share Trading Platform Review
        • Jarden Direct Review
        • Flint Wealth Review
        • ASB Securities Review
        • Interactive Brokers
        • Tiger Brokers (NZ) Review
        • Smartshares Review
      • Comparisons >
        • Sharesies vs Hatch vs Stake
        • Hatch vs Stake
        • Comparing Sharesies vs Investnow vs Hatch vs Jarden Direct and more
        • Best Investment Apps
        • Virtual Stocks and Shares Trading Games
      • Guides >
        • How to Invest in Shares
        • Investing in the US Stock Market from New Zealand >
          • How To Buy Tesla Shares
          • How To Buy Facebook 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
        • What Happens If Your Investing Platform Shuts Down?
        • Fractional Shares
        • Transferring Share Portfolios
        • How to Read and Understand a Share Chart
        • NZX in a Nutshell
        • Investing in Asian Markets from New Zealand
        • Understand Gross vs Net
    • Introduction to Investing >
      • Guides >
        • Introduction to Investing
        • Index Funds
        • 10 Ways to Invest in New Zealand
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • ETFs (Exchange Traded Funds)
        • Index Funds vs ETFs
        • Shares vs ETFs
        • Dollar-Cost Averaging Guide
        • Passive Income Strategies
        • How Wealthy New Zealanders Invest Their Money
        • The Best Way to Invest Inheritance or a Windfall
        • Barefoot Investor-Friendly Financial Products in New Zealand
        • Investment Terms Glossary
        • IPOs
      • Young People and Investing >
        • Investing for Kids
        • Investing For Grandchildren
        • 10 Top Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
      • Investing Calculators >
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing >
      • Guides >
        • Investing Guide
        • Our Favourite Funds
        • Advisers >
          • Financial Advisers Overview
          • Financial Advisers Auckland
        • Tax on Investments and Savings
        • Capital Gains Tax
        • Bright-Line Test
        • Ethical Investing
        • Best ESG Funds
        • Asset Allocations to Build Wealth
        • Managing Offshore Investments for Returning New Zealanders and Migrants
        • Managed Funds >
          • Booster Private Land and Property Fund Review
        • How to Buy and Sell Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowd Funding Guide
        • REITs Guide
        • Jasper Review
        • Investing & Personal Finance Podcasts
        • Emergency Funds
        • UK Pension Transfer to New Zealand
        • Investment Scams
        • 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
        • Investing Calculators
    • Alternative Investments and Trading >
      • Reviews >
        • CMC Markets Review
        • Plus500 Review
        • IG Review
        • BlackBull Markets Review
        • TMGM Review
        • CMC Markets vs Plus500 vs IG Markets vs BlackBull Markets
      • Guides >
        • How to Invest in Gold
        • Forex Trading Guide
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Forex Trading Tools
        • Forex Trading Platforms Comparison
        • Forex Trading Courses and Education
        • Forex Regulation
        • Copy Trading
    • Cryptocurrency >
      • Reviews >
        • Easy Crypto Review
        • BitPrime Review
        • Swyftx Review
        • Binance Review
        • Easy Crypto vs BitPrime vs Swyftx
        • Independent Reserve Review
        • eToro Review
        • Coinbase Review
        • Kiwi-Coin Bitcoin Exchange Review
        • Vault International Bitcoin Fund Review
      • Guides >
        • How to Buy Bitcoin in New Zealand
        • Beginner's Guide to Bitcoin and Blockchain
        • Guide to NFTs
        • Bitcoin Wallet Guide
        • Bitcoin Mining
        • How to Sell Bitcoin
        • Bitcoin and Crypto Scams
        • 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
      • How to Save for a Car
      • Buying a Car Loan vs Personal Loan - What is Better for Buying a Car?
      • Car Loans and Collateral
      • MBI (Mechanical Breakdown Insurance)
      • GAP (Guaranteed Asset Protection Insurance) Insurance
      • Bad Credit Car Loans
      • Paying Cash for a Car vs Car Finance
      • Car Dealership Finance vs Alternatives
      • Balloon Payments
      • How to Refinance Your Car Loan
      • Simplify Loans Review
      • Car Loan Refinance Calculator
    • Personal Loans >
      • Debt Consolidation Loans
      • Secured Loans
      • Home Renovation Loans
      • Online Loans
      • Bad Credit Loans
      • Beneficiary Loans
      • Payday Loans
      • Cash Advance
      • Low Income Loans
      • Same Day Loans
      • Personal Loan Calculator
      • Debt Consolidation Calculator
      • Refinance Personal Loan Calculator
      • Home Renovation Loan Calculator
      • Interest Calculator
      • Harmoney Loans Review
      • Avanti Finance Review
      • Save My Bacon Review
      • Moola Review
      • Harmoney vs Moola
    • Credit Scores & Interest Rates >
      • Credit Scores and Credit Checks 2022
      • How to Build Credit in New Zealand
      • Baycorp and Debt Collection
      • Interest Rates Guide
      • Interest Rate Comparison
      • Buy Now Pay Later Apps >
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Car Insurance >
      • Guides >
        • How to Get Cheaper Car Insurance
        • Car Insurance Calculator
        • No Claims Bonuses Explained
        • Car Insurance Excess Explained
        • Cheapest Cars to Insure
        • Modifications that Make a Car Uninsurable
        • Car Insurers Directory
        • Car Insurance Glossary
      • Reviews >
        • Tower Car Insurance Review
        • Cove Car Insurance Review
        • Trade Me Car Insurance Review
      • AMI vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
      • Young Driver Car Insurance
      • Third Party Car Insurance
      • Caravan Insurance
    • Home, Contents and Other Insurance >
      • House Insurance
      • House Insurance Calculator
      • Contents Insurance
      • Home and Contents Insurance
      • Renters' Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Motorbike Insurance
      • Insurance Brokers >
        • Trusted Insurance Brokers in Wellington
        • Trusted Insurance Brokers in Christchurch
    • Pet Insurance >
      • Cat and Dog Desexing
      • Getting a Kitten
      • Getting a Puppy
      • Pet Euthanasia
    • Life & Health Insurance >
      • Life Insurance >
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • Life Insurance Calculator
        • Pre-Existing Medical Conditions
        • Buying Life Insurance Direct vs. Using an Insurance Broker
        • Life Insurance Policies - Features and Questions to Ask
        • When To Cancel Or Change a Life Insurance Policy
        • Life Insurance For Smokers and Vapers
      • Health Insurance
      • Income Protection Insurance >
        • ACC vs Income Protection Insurance
        • Income Protection Insurance for Self Employed
      • Mortgage Insurance
      • Trauma Insurance
      • Redundancy Insurance
      • Funeral Insurance >
        • Funeral Costs
  • Credit Cards
    • Best Credit Cards
    • Rewards and Cashback Credit Cards
    • Air New Zealand Credit Cards >
      • ANZ vs AMEX vs Kiwibank vs Westpac Platinum Airpoints Credit Cards
    • Balance Transfer Credit Cards
    • Reviews >
      • American Express Credit Cards Review >
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
      • Wise Debit Card Review
      • Flight Centre Mastercard Review
    • Guides >
      • Pay Off Credit Card Debt
      • Credit Card Basics
      • Mastercard vs Visa
      • Credit Card Minimum Payments
      • Where is Amex Accepted?
      • Credit Card Interest Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards >
      • Travel Money Cards
      • Travelex Money Card vs Wise Debit Card Comparison
      • Best Foreign Currency Debit & Credit Cards
      • Free Credit Cards
      • Low Interest Credit Cards
      • Credit Cards for Bad Credit
  • Banking & Savings
    • Banking >
      • Best Bank Accounts
      • Best Debit Cards
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • International Money Transfers
    • Savings >
      • Best Savings Accounts
      • Best Term Deposits
      • Term Deposit Alternatives
    • Guides and Resources >
      • Open Banking Guide
      • NZ Bank Prefix Codes
    • Reviews >
      • Wise International 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?
      • 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
    • Alternative Mortgage Options >
      • Low-Deposit Home Loans
      • Rent to Own Homes
      • First Home Loan Guide
      • Reverse Mortgages
    • Mortgage Management >
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • Remortgaging Guide
      • Amortisation Calculator
      • Mortgage Refinance Calculator
    • Mortgage Brokers >
      • Mortgage Brokers Explained
      • Mortgage Brokers - Auckland
      • Trusted Hamilton Mortgage Brokers
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers in Christchurch
    • Buying a Home >
      • First Home Buyers Checklist
      • Home Buying Glossary
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
    • Selling a Home >
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment >
      • Investment Property Mortgages
      • Renting Directly to Tenants vs Using an Agent
    • Building a House >
      • Average Building Cost Per Square Metre
      • Buying Land to Build a House
      • Construction Loans
      • Cost to Build a New House
  • KiwiSaver
    • Our Favourite KiwiSaver Funds
    • KiwiSaver Essentials >
      • Switching KiwiSaver Funds
      • KiwiSaver and Tax
      • Is KiwiSaver Safe?
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Choosing Your KiwiSaver Provider
      • KiwiSaver Robo and Digital Advice Tools
      • Opting out of KiwiSaver
      • KiwiSaver Calculator
      • What's My PIR?
      • Contributions >
        • How to Check Your KiwiSaver Contributions
        • KiwiSaver Contributions - Gross or Net?
        • Your KiwiSaver Contributions
        • Employer KiwiSaver Contributions
        • Government KiwiSaver Contributions
        • KiwiSaver Contributions Holiday
        • Voluntary Contributions
    • KiwiSaver Returns Calculator
    • Guides >
      • KiwiSaver Hardship Applications
      • Choosing a KiwiSaver Fund
      • Ethical Kiwisaver Funds
      • KiwiSaver Guide
      • KiwiSaver for Kids
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Private Equity
    • Schemes >
      • Amanah KiwiSaver Scheme
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • MAS KiwiSaver Scheme
      • Pathfinder KiwiSaver Review
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • InvestNow KiwiSaver Scheme
      • JUNO KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • Lifestages KiwiSaver Scheme
      • Kiwi Wealth KiwiSaver Scheme
      • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • Nikko AM KiwiSaver Scheme
      • Westpac KiwiSaver Scheme
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
  • Business
    • Business Essentials >
      • Business Loans
      • Prospa Business Loans Review
      • Business Credit Cards
      • Public Liability Insurance
      • Business Insurance
      • Money Saving Tips For Businesses
      • Get Debtors to Pay Overdue Invoices
      • Liquidations and Receiverships
      • Can't Make Payroll Guide
      • Buying out a Business Partner
      • Business Brokers
    • Business Calculators >
      • Business Loan Calculator
      • ROI Calculator
      • IRR Calculator
      • Internal Rate of Return
      • Percent Off Calculator
      • Profit Margin Calculator
      • Current Ratio Calculator
      • Quick Ratio Calculator
    • Online Services >
      • Domain Names
      • Trusted Web Designers >
        • Auckland Web Designers
        • Hamilton Web Designers
        • Wellington Web Designers
        • Christchurch Web Designers
        • Tauranga Web Designers
        • Lower Hutt Web Designers
        • Dunedin Web Designers
      • Digital Identity Programs and Online Verification Tools
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
    • For Startups >
      • How to Start a Business in New Zealand
      • Raising Capital
      • Product Market Fit
      • Crowdfunding vs Bank Financing
      • Blackbird vs Movac
      • How to Become an Angel Investor
      • How to Raise Money from Angel Investors
      • Alternatives to VC Funding
      • Hiring for a Startup
      • VCFO (Virtual CFO)
      • New Zealand Startup and Founder Incubators
      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
  • Students
    • Scholarships 2022
    • Jobs >
      • Student Jobs Guide
      • Student CV Templates
      • Student Job Cover Letters
      • Student Job Interview Questions and Answers
      • Summer Internships 2022
      • University and Polytechnic Student CV Templates
    • Money Resources >
      • Student Bank Accounts
      • Student Loans & Allowances
      • Year 13 Essential Checklist
      • Student Money Tips
      • Money in a Nutshell for Teenagers
      • Freebies for School Students
      • Money Tips for Kids and Teenagers
    • Education >
      • What to Study in 2023
      • Alternative Study Providers
      • School Holidays 2022
      • Public Holidays 2022
  • Motoring
    • Buying and Selling a Car >
      • Car Valuations
      • Buying a Used Car
      • Selling a Car
      • Top Cars that Hold Their Value
      • Vehicle Leasing
    • Everyday Driving >
      • 20 Ways to Make Driving Cheaper
      • Parking Tickets
      • AA Membership Review
      • Best Car Batteries
      • Best Electric Cars
    • Warrant of Fitness >
      • Guide to Warrant of Fitness
      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
      • Warrant of Fitness Tauranga
      • Warrant of Fitness Lower Hutt
      • Warrant of Fitness Wellington
      • Warrant of Fitness Christchurch
      • Warrant of Fitness Dunedin
  • Law
    • Wills Guide
    • Footprint Online Wills Review
    • Prenuptial Agreements
    • Trusts Guide
    • Divorce Guide
    • Enduring Power of Attorney Guide
    • Living Wills Guide
    • Probate
    • Perpetual Guardian
  • Job Hunting
    • Job Applications >
      • CV Templates & Tips
      • Cover Letters
      • Common Interview Questions
    • Guides & Resources >
      • How to Improve Your LinkedIn Profile
      • Part-Time Jobs Guide
      • Redundancy Payouts and Entitlements
      • How to Get Promoted
      • Self-Employment Guide
      • Workplace Bullying
    • Recruitment Agencies >
      • Recruitment Agencies Auckland
      • Recruitment Agencies Wellington
      • Recruitment Agencies Christchurch
  • Broadband
  • Power
    • Compare Power Companies
    • How to Lower Your Power Bills
    • Fixed Contracts vs Open Power Plans – What You Need to Know
    • Power Companies >
      • Contact Energy Review
      • Ecotricity Review
      • Electric Kiwi Review
      • Flick Electric Review
      • Frank Energy Review
      • Genesis Energy Review
      • Globug Review
      • Mercury Energy Review
      • Meridian Energy Review
      • Nova Energy Review
      • Powershop Review
      • Pulse Energy Review
      • Trustpower Review
  • Financial Independence
    • FIRE Guides >
      • Retirement in a Nutshell
      • How to Retire Early
      • FIRE Explained
      • The Four Percent Rule
      • Five Types of FIRE Plans
      • Getting FIRE’d in New Zealand
      • FIRE and NZ Real Estate
      • Achieving Financial Independence, Faster
    • FIRE Tools >
      • Budgeting Apps
      • Free Financial Literacy Classes
      • Free Financial Products
      • 50/30/20 Budget Calculator
      • Budget Planner
    • Tax >
      • Beginner's Guide to Tax
      • Salary Sacrifice in New Zealand
    • Money Tips >
      • Teaching Kids About Money
      • Single Parenting and Money
      • How to Protect Your Finances from Inflation
      • Tips for Families on a Single Income
      • 20 Ways to Save LOTS on Household Bills
      • Side Hustles
      • Lending Money to Friends & Family
  • Better Living
    • Food & Grocery >
      • My Food Bag vs HelloFresh vs WOOP vs Bargain Box Comparison
      • HelloFresh Review
      • My Food Bag Review
      • Bargain Box Review
      • Woop Review
      • Online Supermarkets
      • Save Money on Food
      • Supermarket Christmas Clubs >
        • New World Christmas Club Review
        • PAK'nSAVE Christmas Club Review
        • Countdown Christmas Club Vouchers
      • Coupons & Deals >
        • Kids Eat Free
    • Entertainment >
      • Streaming TV Services
      • Netflix Review >
        • Best Netflix Movies
        • Best Netflix TV Shows
      • Amazon Prime Video Review >
        • Best Amazon Prime Movies
        • Best Amazon Prime TV Shows
      • Disney+ Review
      • Apple TV+ Review
    • Consumer Rights >
      • How to Get a Refund, Repair or Replacement
      • What To Do If You Do NOT Receive Your Refund
      • The Complete Guide to Renting in New Zealand
    • Free Samples
    • Make Money Online
    • Paid Survey Websites Review
    • Nielsen Homescan Review
    • Nielsen Digital Voice Review
    • Valued Opinions Review
    • Opinion World Review
    • Triaba New Zealand Review
    • Rewardia New Zealand Review
    • School Holiday Activities >
      • Auckland School Holiday Activities
      • Wellington School Holiday Activities
      • Christchurch School Holiday Activities
    • 65+ Best Online Shopping Websites in New Zealand
    • Shoe Size Conversion Guide
    • Affordable Online Clothes Shopping
    • Best Baby Clothes
    • Dress Size Conversion
    • New Zealand Fashion Designers
    • Buy Books Online
    • Black Friday New Zealand Deals
    • Mother's Day Ideas and Gifts
    • Father's Day Ideas and Gifts
    • Daycare Checklist
    • How to Sell on Fiverr
    • Computer & Accessories >
      • Best Printers
      • Computer Desks
    • Gym Memberships Guide
    • Retirement Villages
    • Home & Kitchen >
      • Best Vacuum Cleaners
      • Best Coffee Grinders
      • Best Waffle Makers
      • Best Air Purifiers
      • Best Dehumidifiers
      • Best Treadmills
      • Best Washing Machines
      • Best Air Fryers
      • Best Juicers
      • Best Fridge Freezers
      • Best Mattresses
      • Best Ride-On Lawn Mowers
      • Best Pressure Cookers
      • Best Lawn Mowers
    • Blinds, Curtains and Drapes Auckland
    • Bathroom Renovations Guide
    • Weddings on a Budget
    • Wedding Budget Calculator
    • Trade Me Selling Tips
    • Prezzy Cards
    • Health & Personal Care >
      • Weight Loss Shakes
      • Teeth Whitening
      • Anti-Ageing Creams
      • Hair Straighteners
      • Sunscreen
      • Jenny Craig Review
      • Weight Watchers Review
    • Grammarly Review
    • Moving to New Zealand
  • Trade & Professional Services
    • Auckland Trade & Professional Services >
      • Acupuncture Auckland
      • Arborists Auckland
      • Asbestos Removal Auckland
      • Auto Electricians Auckland
      • Bathroom Renovations Auckland
      • Builders Auckland
      • Building Inspectors Auckland
      • Cabinet Makers Auckland
      • Car Detailing Auckland ​
      • Catering Auckland
      • Cattery Auckland
      • Chimney Sweep Auckland
      • Chiropractors Auckland
      • Cleaners Auckland
      • Computer Repair Experts Auckland
      • Concreters Auckland
      • Dentists Auckland
      • Dog Boarding Kennels Auckland
      • Dog Daycare Auckland
      • Dog Grooming Auckland
      • Dry Cleaners Auckland
      • Electricians Auckland
      • Eyelash Extensions Auckland
      • Firewood Auckland
      • Flooring Companies Auckland
      • Fridge Repair Auckland
      • Garage Door Repair Auckland
      • Glaziers Auckland
      • Graphic Design Auckland
      • Gutter Cleaning Auckland
      • Gym Memberships Auckland
      • Hair Salons Auckland
      • Heat Pump & AC Specialists Auckland
      • Home Security Systems Auckland
      • Korean BBQ Auckland
      • Land Surveyors Auckland
      • Landscapers Auckland
      • Lawn Mowing Services Auckland
      • Locksmiths Auckland
      • Mechanics Auckland
      • Makeup Artists Auckland
      • Naturopaths Auckland
      • Optometrists Auckland
      • Painters Auckland
      • Panel Beaters Auckland
      • Personal Trainers Auckland
      • Pest Control Auckland
      • Plumbers Auckland
      • Podiatrists Auckland
      • Puppy School Auckland
      • Roofing Auckland
      • Scaffolding Auckland
      • Screen Printing Auckland
      • Solar Panels Auckland
      • Quality Tyres Auckland
      • Wedding Car Hire Auckland
      • Wedding Celebrant Auckland
      • Wedding Photographers Auckland
      • Wedding Videographers Auckland
      • Window Tinting Auckland
    • Wellington Trade Services >
      • Arborists Wellington
      • Bathroom Renovations Wellington
      • Builders Wellington
      • Building Inspectors Wellington
      • Car Detailing Wellington
      • Catering Wellington
      • Cattery Wellington
      • Dog Boarding Kennels Wellington
      • Dog Daycare Wellington
      • Dog Grooming Wellington
      • Firewood Wellington
      • Glaziers Wellington
      • Gym Memberships Wellington
      • Heat Pump & AC Specialists Wellington
      • Lawn Mowing Services Wellington
      • Mechanics Wellington
      • Panel Beaters Wellington
      • Personal Trainers Wellington
      • Pest Control Wellington
      • Plumbers Wellington
      • Puppy School Wellington
      • Roofing Wellington
      • Wedding Photographers Wellington
    • Christchurch Trade Services >
      • Arborists Christchurch
      • Bathroom Renovations Christchurch
      • Builders Christchurch
      • Building Inspectors Christchurch
      • Car Detailing Christchurch
      • Catering Christchurch
      • Cattery Christchurch
      • Dog Boarding Kennels Christchurch
      • Dog Daycare Christchurch
      • Dog Grooming Christchurch
      • Firewood Christchurch
      • Glaziers Christchurch
      • Gym Memberships Christchurch
      • Heat Pump & AC Specialists Christchurch
      • Lawn Mowing Services in Christchurch
      • Mechanics Christchurch
      • Panel Beaters in Christchurch
      • Personal Trainers Christchurch
      • Pest Control Christchurch
      • Plumbers Christchurch
      • Puppy School Christchurch
      • Roofing Christchurch
      • Wedding Photographers Christchurch
    • Hamilton Trade Services >
      • Arborists Hamilton
      • Bathroom Renovations Hamilton
      • Builders Hamilton
      • Building Inspectors Hamilton
      • ​Car Detailing Hamilton
      • Catering Hamilton
      • Cattery Hamilton
      • Dog Boarding Kennels Hamilton
      • Dog Daycare Hamilton
      • Dog Grooming Hamilton
      • Glaziers Hamilton
      • Gym Memberships Hamilton
      • Heat Pump & AC Specialists Hamilton
      • Lawn Mowing Services Hamilton
      • Mechanics Hamilton
      • Panel Beaters Hamilton
      • Personal Trainers Hamilton
      • Pest Control Hamilton
      • Plumbers Hamilton
      • Puppy Schools Hamilton
      • Roofing Hamilton
    • Tauranga Trade Services >
      • Arborists Tauranga
      • Bathroom Renovations Tauranga
      • Builders Tauranga
      • Building Inspectors Tauranga
      • ​Car Detailing Tauranga
      • Catering Tauranga
      • Cattery Tauranga
      • Dog Boarding Kennels Tauranga
      • Dog Daycare Tauranga
      • Dog Grooming Tauranga
      • Glaziers Tauranga
      • Gym Memberships Tauranga
      • Heat Pump & AC Specialists Tauranga
      • Lawn Mowing Services Tauranga
      • Mechanics Tauranga
      • Panel Beaters Tauranga
      • Personal Trainers Tauranga
      • Pest Control Tauranga
      • Plumbers Tauranga
      • Roofing Tauranga
    • Dunedin Trade Services >
      • Builders Dunedin
      • Building Inspectors Dunedin
      • Car Detailing Dunedin ​
      • Catering Dunedin
      • Firewood Dunedin
      • Gym Memberships Dunedin
      • Heat Pump & AC Specialists Dunedin
      • Mechanics Dunedin
      • Panel Beaters Dunedin
      • Personal Trainers Dunedin
      • Plumbers Dunedin
      • Wedding Photographers Queenstown
    • Lower Hutt Trade Services >
      • Builders Lower Hutt
      • Catering Lower Hutt
      • Mechanics Lower Hutt
      • Panel Beaters Lower Hutt
      • Plumbers Lower Hutt
    • Napier and Hastings Trade Services >
      • Building Inspectors Napier and Hastings
      • Heat Pump & AC Specialists Napier and Hastings
  • Get Our Newsletter