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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Finding a Rental in Auckland - The Definitive Guide to Securing a Home

Find the perfect Auckland rental with ease using our guide. Our guide explains the renting process, rental listing websites and must-know facts and tips to search, and secure the best property.

Renting in Auckland Guide
Updated 19 August 2022

Summary
  • With house prices in New Zealand growing increasingly unaffordable, renting has become a long-term reality for many Aucklanders.
  • Searching, applying and ultimately renting a place is a long-winded, complicated and costly process. Ask any Aucklander and one of the top three biggest criticisms of the city will be the cost of renting. With rent sometimes taking up to 50% of gross salaries in Auckland, it’s no wonder that households are feeling the pressure.
  • Our guide has been published to explain the renting process, cover the top websites to find places to rent and walk through the top facts you need to know when looking to rent in Auckland. We also cover a range of frequently asked questions.

Please note: This guide does not specifically refer to finding a room in a flat, but the principles generally apply. The rights of tenants are not covered in this guide - extensive information can be found on our rights and obligations of tenants, landlords guide.

Our cover covers:
  • Must-Follow Steps for Finding a Rental
  • Securing Your Ideal Rental - Steps to Follow
  • Top Things to do AFTER You've Signed the Lease
  • Must-Know Facts about Renting
  • Frequently Asked Questions

MoneyHub Founder Christopher Walsh shares his experience of flatting in Auckland:

"This guide looks at renting an entire property rather than a room in a flat, which I'll address briefly to help anyone looking for a room".

"I'd strongly suggest anyone looks for a flat that's close to transport connections and close to a good-value supermarket. Driving and food are huge costs - if you use Auckland Transport, you'll save significant money from day one. I couldn't have managed in Auckland without a car due to the nature of my job, always driving around visiting clients, but if you're studying or have a fixed workplace, I'd argue cars are a huge waste of money if you don't need it for work".

"The worse idea is to 'bling' a rental. This is where you pay for a location and a 'feeling' of wealth but have very little spare money to do anything else but stay home and look at the furniture. It's more common than you think". 

"When I moved to Auckland, I probably went too much on the other extreme, living in a somewhat dubious flat share on Richmond Road for an unbelievable $70/week. It was a total dive, but the ten people living there were fantastic. Sadly when they left, some undesirables moved in, prompting me to leave shortly after and pay 'market prices'. It wasn't the most flash place on the block, but it was convenient and close to the CBD". 

"Whatever you do, make sure you find the area convenient. Too many flats are a pain to get to, which you'll feel at the end of a big day at work or a long study day".
Picture
MoneyHub Founder
Christopher Walsh


Renting in Auckland Guide

Must-Follow Steps for Finding a Rental

Our steps are based on the real-life experience of our research team - if you have any suggestions, please contact our research team.

1. Establish a reasonable budget.

The first step in looking for a place is to identify how much you can afford to spend on rent per week. What you can afford each week varies depending on your financial situation, but Aucklanders generally spend 30-50% of their post-tax income on rent. You'll also want to consider additional costs not included in the weekly rent, such as electricity, utilities and phone bills (although some of these can be included in the rent depending on how the landlord structures the lease).

Expect to pay more in some areas than elsewhere in the city. For example, Parnell will be significantly more expensive to rent compared to Manukau or Karaka, given its proximity to the CBD. As a general rule of thumb, the further away you are from the centre of Auckland, the cheaper it will be to rent.
However, that doesn’t mean you can’t set crazy expectations for what you’re willing to pay each month. Listed rental prices can fluctuate wildly even within areas, so it’s important to find the most accurate rental information for each suburb. 

An example of how various suburbs rank by the cost of living includes:
  • High cost of living (urban) = Parnell, Auckland CBD, Orakei, Herne Bay, Mount Eden, Newmarket, Ponsonby, Grafton
  • Medium cost of living (suburbs) = Howick, Pakuranga, Sylvia Park, Onehunga, Takapuna, Avondale
  • Low cost of living (rural) = Karaka, Red Beach, Silverdale, Whitford

As of June 2022, the average weekly rent for a two-bedroom home in Parnell is $690 per this guidance. But rents can range from $620 to $790 depending on the home's style, location, and quality. Whatever the rental cost, you’ll have to put down a bond/rental deposit, the first month’s rent, or potentially more.

2. Decide what you want out of your rental and set realistic expectations.

There are plenty of great areas to rent in Auckland. However, each area will have distinct characteristics that make it great for some and not so great for others. Before looking for a place to rent, consider what you’re looking for in your neighbourhood. Top things to consider include:
  • Location: Do you want to have a shorter commute and live nearer to work, be within walking distance for your kids to walk to school, have good access to public transportation or live next to fun activities such as the beach, cafes or restaurants?
  • Length of the tenancy agreement: How long do you want to live in the area/property? Do you want to sign a short or long-term lease? 
  • House elements: Do you want a completely fenced-off property, large storage space or covered parking?

Know This: Many people want to live in Auckland's nicest, safest and trendiest areas. Unfortunately, there’s only a limited number of rentals available in any area, and some areas are smaller than others. The reality is that not everyone will get to stay in their ideal neighbourhood. This lack of housing is especially true in Auckland, New Zealand’s most populous city, where the rental market in Auckland is very competitive. 


With a relatively low supply of housing stock, bidding wars aren’t uncommon in the most popular areas of Auckland. So stay open-minded about where you could live and try not to restrict yourself to one neighbourhood.

3. Do an extensive online search for places to rent.

Searching for places to rent online is the cheapest and easiest way to look for vacant spaces. The top websites to do this are: 
  • Trade Me Property
  • Realestate.co.nz
  • One Roof
  • homes.co.nz
  • Real Estate Agent Websites (Ray White, Barfoot and Thompson, Century 21, Crockers etc.)
  • Facebook groups

The other way to get a feel for a neighbourhood is to walk through it (during the day and night). Walking through neighbourhoods you're looking to rent in can also help you find places for rent that aren't listed online yet. Exploring neighbourhoods can give you a jumpstart on putting a bid in and potentially renting a place without competing with others.

4. Physically view the property in person.

Once you’ve found a property in the right area that you think could be a good fit, it’s key to view the space physically. The landlord should be able to set up a time for you to view the property. When viewing the property, don’t forget to ask some key questions, including:
  • When could you move in once the lease is signed?
  • How long is the lease period?
  • Does the rental come furnished?
  • How many people can stay on the property? Are there any restrictions on flatmates?
  • How quiet is the property? Is it properly insulated?
  • Does a third party maintain the outdoor/garden area? Will you need to pay extra to maintain it? 
  • Is the rental a smoke-free zone? 
  • Are pets allowed?

Renting in Auckland Guide

Securing Your Ideal Rental - Steps to Follow

Once you’ve identified your ideal place, it’s time to try and beat out other prospective renters. The top things to consider when looking to win your target property rental include:

1. Send the rental application form to the landlord as early and as comprehensively as possible.
  • Try to make your case that you’re a great tenant. Explain that you’ll respect their property and won’t cause any trouble. The landlord’s nightmare is to sign a lease agreement with a troublesome tenant. The easier you can convince the landlord you’re an ideal tenant, the more likely the landlord will pick your rental application from the others.  

2. Demonstrate a good Credit Score.
  • You'll want a reasonably high credit score when applying for a rental. A credit score tells potential third parties how good you are at paying off your debts/obligations and whether you're generally good with finances.
  • From the landlord's perspective, the higher your credit score, the more likely you will pay your rent each week. In addition, landlords will typically ask about your savings and spending habits when considering you as a potential tenant. 
  • Our guide to credit scores explains how to get control of your credit history and improve your scoring.

3. Sign the tenancy agreement.
  • Once you’ve sent the rental application and have been successful, the next step is to sign the tenancy agreement. Again, the landlord or real estate agent should send this over relatively soon after selecting you.
  • A tenancy settlement outlines the rights and obligations agreed upon by both the tenant and the landlord. A tenancy agreement will include key provisions such as the contact details, weekly lease amount, frequency of payment, bond amount, the type of tenancy and the start and end date of the tenancy. In addition, any provisions negotiated with the landlord can be added to the tenancy agreement. Examples include the ability to have pets in the rental, waiving of any rights or the ability to sub-lease the property.
  • It’s recommended that you and the landlord communicate clearly and sign the tenancy agreement soon after concluding negotiations to avoid possible misunderstandings in the future. You’ll be given a copy of the signed tenancy agreement for record-keeping. It’s recommended to keep this safe in case of a dispute with the landlord.

Renting in Auckland Guide

Top Things to do AFTER You've Signed the Lease

1. Organise to pay the bond payment.
  • A bond is a requirement to pay money to your landlord upfront as safety in case of unpaid rent or damage caused to their property. The bond can be any quantity the landlord decides up to a legal limit of 4 weeks' worth of rent maximum.
  • All bond cash is lodged and held in escrow/trust with Tenancy Services, a division of the Ministry of Business, Innovation and Employment (MBIE). You'll be given a receipt of the bond, which you should keep in a safe place in case of a dispute. 
  • However, some landlords may not require a bond (although many landlords do). Therefore, whether a landlord requires a bond will depend on the landlord.

2. Extensively document the property before moving in
  • Your landlord should have inspected the property and removed all personal belongings before your tenancy started. However, it pays to have your record of the state of the property before you move in.
  • Take pictures and note the property's condition before properly moving in. Then, in case of a dispute, you have documentation of what the property was like before you moved in as proof in case the landlord tries to take you to court for alleged damages you've made. In addition, you can prove they existed before you occupied the space.
  • After moving into the property, if you find any required repairs or renovations, it's recommended to contact your landlord early and notify them of the situation. Notifying the landlord of any issues ensures you aren't liable for any damage, and the landlord can repair/renovate the property before settling in.

3. Find roommates (if applicable). 
  • Most of the time, unless explicit in your tenancy agreement, your landlord can't increase the rent when you get a roommate. Finding roommates can be a great way to reduce renting costs while also making your place more lively.

4. Move into the rental.
  • With the documentation finished and the bond/rent paid, you can now move into your new home

Renting in Auckland Guide

Must-Know Facts about Renting

1. Be diligent and apply to rent out places you like as early as possible.
  • Timing is essential when it comes to renting out your dream place. When a property is in hot demand, it’s typically either the person willing to pay the most or the person who’s the most persistent/first who wins the rental.
  • To get a headstart on the other people looking at renting your target property, try to scout new properties as soon as they’re listed.
  • If you’ve found one that you’re keen on that hasn’t come onto the market yet, try and reach out to the landlord and see if you can view the property early. Then, if you’re happy with it, you can pay to apply for the place early. Sometimes the landlord may accept if it’s within their expected rent range, as each week it sits vacant is money the landlord isn’t getting.

2. Know your rights as a tenant.
One of the most difficult situations for renters is a dispute with their landlord. If this happens (and it happens more often than people think), make sure you understand your contractual and legislative rights (through the Residential Tenancies Act) given to you as a renter. Under the legislation, landlords are responsible for providing certain minimum things to renters. Some of the key things the landlord must do can include:
  • Ensure the property is well maintained and in a reasonable condition.
  • Ensure all building regulations and health/safety standards are met
  • Ensuring the tenant has quiet enjoyment of the property (which includes reasonable notice if they intend to inspect the property).
  • Let the tenant know if the property is being listed for sale.
  • Give reasonable notice if the landlord looks to increase the rent rate or end the tenancy agreement.
  • Meet the legislative obligations around  Healthy Homes Standards and insurance.
  • To not interfere with a tenant’s belongings. 
  • More details: You can find more about tenant rights through our comprehensive guide here or here at Tenancy Services. 

3. Be careful of evictions.
  • You can get evicted for various things, including a failure to pay the rent, unlawful use of the property, public nuisance (such as too much noise) or damage to the property. For more information on evictions, see the Tenant Protection Association’s discussion and what tenants should know here.

4. Try leaving the rental in the same condition before you moved in.
  • Whether the landlord wants to move back into the property or your situation changes resulting in you needing more space and upgrading to a larger property, leases inevitably end.
  • If you want the full amount of your bond back (initially paid upfront at the start of the lease agreement), you don't want the landlord to have any claims against you that could reduce this amount. Therefore, it's important to try leaving the property close to the same state as you found it. Ensuring the property is in good condition gives you the best chance of getting your bond back in full.

Renting in Auckland Guide

Frequently Asked Questions

Where can I find the most up-to-date renting data? What should I pay?

The top place to find renting data is ENZ. ENZ is an independent real estate and rental data provider to help New Zealanders make more informed decisions. The majority of rental information detailed in this guide is sourced from Tenancy Services, a subsidiary of the Ministry of Business, Innovation and Entrepreneurship (MBIE).

How does rent control work? Is there rent control in New Zealand?

  • Rent-controlled properties limit how much landlords can raise the rent each year. Rent controls protect tenants and prevent landlords from manipulating tenants to act as a quasi-eviction without going through the proper procedures.
  • While popular in other countries abroad, the New Zealand does not have laws implementing rent controls. In other words, landlords in New Zealand can increase rents to anything they want without limit.
  • Despite media reports of landlords wanting to increase rents, exorbitant rent hikes shouldn't be too concerning, as landlords will likely still need to stay competitive with the broader area/market. If they hike rents by 15% or 25%+, prospective tenants would just rent the another property at a substantial discount. Other media stories suggested rents were decreasing throughout 2022 which arguably limits the need to legislate for rent control or rent caps.

What happens to the bond I paid at the start of my lease when my lease ends?

When you move on from the property at the end of your tenancy, the bond is refunded in full by Tenancy Services. 

Alternatively, your landlord may contact you regarding any reduced bond payments if there are claims against you (for example, damage to the property, unpaid water bills, cleaning costs etc.). Leave the property in as clean a state as you can when leaving and pay off any final bills to avoid any additional costs.

What are the best places to rent in Auckland?

There are many different suburbs in Auckland, each with distinct flair, uniqueness and relative cost. There isn't one "best" place to rent. However, a couple of factors you should consider when choosing an area to rent include:
  • Closeness to public transport connections
  • Typical demographic in the area (heavily young professionals, families, retirees etc.)
  • Number and type of stores (supermarkets, malls, restaurants, gyms, beaches, clubs, etc.)
  • Proximity to your workplace
  • Cultural diversity and depth of history

Know This: It can also help to ask if you have contacts who have lived or are currently living in the area you’re considering. They will typically know the best things to do in the area, what the neighbourhood is like and whether they recommend you live there. Before you move somewhere, we suggest walking around it to make sure you're comfortable and enthused with the area.

Should I go through a real estate agent to find a rental?

Typically, you won’t need one. This is because there are enough vacant places for rent that you should be able to find a place without having to work with a real estate agent. However, in extremely popular areas with very little inventory space (such as areas surrounding the Auckland CBD), it may make sense to reach out to one if you cannot find many places online.

You don’t want to work with a real estate agent because it adds another layer of cost to rent out a place. Suppose you successfully sign a lease from a lead generated by a real estate agent. In that case, you will likely have to pay a success fee (typically a % of the first month’s rent) to the real estate agent for finding and facilitating the rental deal.

Our view:
If possible, it’s much cheaper and easier to just “DIY” search for rentals.

Do rentals allow pets?

It depends. Some landlords are comfortable with all types of pets. Some will only allow certain types (such as cats or dogs), while others rule out having pets. Whether the rental is pet-friendly should be on the listing information. For most people, this is a dealbreaker, so it's best to reach out to the lister as soon as possible before applying for the place if you have a pet.

What do I do if I have a dispute with my landlord about the rental?

  1. Try to contact your landlord and resolve the dispute verbally in the first instance. Then, you can escalate the issue by issuing a remedy letter. A remedy letter is a way of formalising complaints in writing for the landlord to take action. Again, if this doesn't work, you can contact Tenancy Services.
  2. The Residential Tenancies Act outlines your landlord’s responsibilities concerning you as a tenant. If your landlord fails to meet his responsibilities by law, you may have a strong case and can claim damages.
  3. Make sure to document and record all your interactions with your landlord, including what was discussed and any actions both parties said they would undertake (and whether they did those things). 
  4. You can find out more information on disputes with landlords here.

Related Guides
  • ​The Definitive Guide to Renting in New Zealand - our guide explains the right and obligations of tenants, landlords and what happens if something goes wrong
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        • Top Personal Finance Books for New Zealanders
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      • Reviews
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      • Guides
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      • Cryptocurrency
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        • Guides
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          • Decentralised Finance
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          • Other Coins
            • How to Buy Ripple in New Zealand
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  • Loans & Finance
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      • Car Finance Company Reviews
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      • Credit Health
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  • Insurance
    • Overview
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      • Reviews & Policy Comparisons
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      • Health Insurance
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        • Americas & Africa
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      • Essential Information
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    • Pet Insurance
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      • Cat and Dog Desexing
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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
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  • Credit Cards
    • Best Credit Cards
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      • Kiwibank Airpoints Cards Have Ended – Best Replacement Options
      • ANZ vs AMEX vs Westpac Platinum Airpoints Credit Cards
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      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
    • Balance Transfer Credit Cards
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    • 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
        • Valuing AMEX Membership Rewards Points
        • AMEX Dining Collection Program Review
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
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        • RewardPay Review
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    • Guides
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    • Other Credit Cards
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      • Q Card & Q Mastercard Review
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  • Travel Money Cards
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      • 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
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      • USA Travel Money
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      • United Arab Emirates Travel Money
  • Banking & Savings
    • Banking
      • Best Bank Accounts
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      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
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      • Sending Money to Australia
    • Savings
      • Best Term Deposits
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      • Booster Savvy Review
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      • Best PIE Term Deposits
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      • Wedge Review
      • Best Savings Accounts
      • Term Deposits vs Cash Funds
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    • Guides and Resources
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      • NZ Bank Prefix Codes
    • Reviews
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      • Heartland Bank Review
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      • NZCU Baywide Review
      • The Co-operative Bank NZ Review
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  • Mortgages
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      • Mortgage Options
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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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      • Rent to Own Homes
      • First Home Loan Guide
      • Reverse Mortgages
      • Lifetime Home Review
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      • Interest Rate Strategies
      • Saving for a House Deposit
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      • 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
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      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
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      • 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
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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
      • 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
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      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
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      • KiwiSaver First Home Grant Guide
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      • Investment Traps to Avoid When Accessing Your KiwiSaver Funds at 65
      • Feijoa Review
    • KiwiSaver Schemes
      • AMP KiwiSaver Scheme
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      • Pie KiwiSaver Scheme Review
      • Kernel KiwiSaver Review
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      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
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      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
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      • New Zealand Defence Force KiwiSaver Scheme
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      • Pathfinder KiwiSaver Review
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      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
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  • Business Loans & Tools
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    • Compare Business Loans
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      • Bizcap Business Loans Review
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    • Business Essentials
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      • Get Debtors to Pay Overdue Invoices
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      • Business Brokers
    • PAYE & Taxes
      • PAYE Calculator
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      • Lighthouse Accounting Services Review
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    • Business Calculators & Resources
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    • Online Services
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      • Digital Identity Programs and Online Verification Tools
      • Trusted Auckland SEO Companies
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      • PayPal NZ Account Fees
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    • For Startups
      • How to Start a Business in New Zealand
      • Raising Capital
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      • Crowdfunding vs Bank Financing
      • Blackbird vs Movac
      • How to Become an Angel Investor
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      • Alternatives to VC Funding
      • Hiring for a Startup
      • VCFO (Virtual CFO)
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      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
      • Attending the Singapore FinTech Festival
  • MSD
    • Navigating Work and Income Benefits
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    • Jobseeker Support Guide
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    • 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
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  • Motoring
    • Buying and Selling a Car
      • Car Valuations
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      • Turners Cars Review
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
      • Car Registration in New Zealand
      • The Women's Guide to Buying a Car
    • Car Dealerships Explained
    • Everyday Driving
      • Costs of Owning a Car
      • 20 Ways to Make Driving Cheaper
      • Gaspy App Review
      • Parking Tickets
      • AA Membership Review
      • Best Car Batteries
      • Best Electric Cars
      • Buyer’s Guide for the 2023 Toyota Hilux
      • Buyer’s Guide for the 2023 Toyota RAV4
      • Buyer’s Guide for the 2023 Ford Ranger
    • Warrant of Fitness
      • Guide to Warrant of Fitness
      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
      • Warrant of Fitness Tauranga
      • Warrant of Fitness Lower Hutt
      • Warrant of Fitness Wellington
      • Warrant of Fitness Christchurch
      • Warrant of Fitness Dunedin
  • Law
    • Wills Guide
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    • Divorce Guide
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    • Living Wills Guide
    • Probate
    • Agreeable Review
    • Footprint Online Wills Review
    • Perpetual Guardian
  • Travel
    • Moving Overseas
      • Working Holiday Visas
      • Working Holiday Visas for 30+ Year-Old New Zealanders
      • Moving to Australia
      • Moving to London
    • Air New Zealand Specific
      • Air NZ Upgrade Guide
      • Best Ways to Redeem Air New Zealand Airpoints Dollars
      • Fastest Way To Earn Air NZ Status Points
      • Air New Zealand Koru Membership Review
      • Airpoints Flexipay Guide
      • Air New Zealand Travel Tips
      • Air New Zealand Refunds & Credits
    • Lounges, Upgrades, Car Hire & More
      • How to Get Access to Airport Lounges
      • Air New Zealand Skycouch Review
      • No Nonsense Upgrade Guide
      • Car Rental Hire
      • Auckland Airport Car Parking
    • Best of New Zealand
      • Auckland Travel for Less
      • 100+ Free Things to do in Auckland
      • Queenstown Like a Local
    • Hotels & Dining
      • Accor Plus Review
      • First Table Guide
      • Hotel Booking Sites Compared
    • Foreign Currency Exchange
      • Currency Converter
      • Australian Dollars Exchange Rate
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      • Fijian Dollars Exchange Rate
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      • Thai Baht Exchange Rate
      • Chinese Yuan Exchange Rate
  • Mobile & SIM
    • Compare Mobile Plans
    • eSIM Plans
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    • Mobile Data Roaming
    • Revolut eSIM – Real User Reviews, Facts & Comparison
    • Saily Review
    • Zeronet Mobile Review
    • Spark Mobile Review
    • 2degrees Mobile Review
    • One NZ Mobile Review
    • Kiwi Mobile Review
    • Apple Watch Buying Guide
    • Best iPhone Plans
    • Best Power Banks
  • Broadband
    • Compare Broadband Plans
    • No Contract Broadband
    • Rural Broadband Plans
    • Internet Speed Test
    • Broadband Provider Reviews
      • 2degrees Broadband Review
      • Bigpipe Broadband Review
      • Zeronet Broadband Review
      • Contact Broadband Review
      • Electric Kiwi Broadband Review
      • Farmside Broadband Review
      • Mercury Broadband Review
      • NOW Broadband Review
      • One NZ Broadband Review
      • Orcon Broadband Review
      • Spark Broadband Review
      • Skinny Review
      • Starlink Review
      • Voyager Broadband Review
      • Wireless Nation Broadband Review
  • Power
    • Compare Power Companies
    • Power and Broadband Bundles
    • How to Lower Your Power Bills
    • Fixed Contracts vs Open Power Plans – What You Need to Know
    • Electric Vehicle Power Plans
    • How to Use Less Power
    • Power Companies
      • Contact Energy Review
      • Electric Kiwi Review
      • Genesis Energy Review
      • Globug Review
      • Mercury Review
      • Meridian Energy Review
      • Powershop Review
  • Essential Money Tips
    • Must-Read Lists & Tips
      • Fleeced Kiwi Awards 2025
      • Best and Worst Loyalty Programmes
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