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

Our guide explains everything you need to know to get the best policy at the lowest price.
House Insurance NZ
Updated 19 October 2023
Summary
  • House insurance renewals are going up and up. This is because of increased risk, a 55%+ increase in the EQC (earthquake) levy, increased building costs, higher risks of natural disasters and increased crime which causes property damage. As outlined in this RNZ story in August 2023, "it's as bad as it ever has been to be an insurance buyer" given these costs.
  • New Zealand has many natural hazards, or risks, including floods, earthquakes, and landslips. Some places are riskier to live than others, as they experience more natural hazards. In the past, insurers would price insurance 'equally' based on the property size, regardless of its location. Now, insurers are facing higher costs to insure and are moving to price insurance specific to a property's location and history. These costs are being passed on home owners.
  • Because of recent events, house insurance costs continue to rise, while homeowners in Christchurch and Wellington, in particular, are facing difficulties in getting appropriate insurance for their home given long-standing issues.
  • We have priced home-only insurance, and not included contents cover. We found even $25,000 of contents cover could increase some policies by 15% to 60%. Given house insurance's ongoing price rises, and how a number of New Zealanders are struggling to afford it (as reported in this Stuff article), our focus is on house-only. 
  • We review policies from eight well-known insurers, and compare them side by side. Our House Insurance Quotes show the most attractive policies for example properties in major cities - Auckland, Hamilton, Tauranga, Wellington, Upper Hutt, Lower Hutt, Wellington, Lower Hutt, Nelson, Christchurch and Dunedin.
  • Significant savings can be found by following simple tips, including having an accurate sum-insured amount and an appropriate excess. ​

Know this: Why house insurance increasing

  • Many homeowners in certain parts of New Zealand have seen significant changes in their house insurance policies. While both Earthquake Commission (EQC) and Fire Service levies have increased, this is not causing the reported cases of some policy renewal costs doubling
  • The reason is primarily the risk and occurrence of earthquakes, floods, cyclones, coastal damage and crime. Tower Insurance and AIG (which owns AMI, NZI and State) introduced 'full risk-based pricing'  back in mid-2018. This means that insurers now don't 'share' the risk with less-risky policyholders. Instead, if you own a house in an area with a higher risk of earthquakes, you will pay more for insurance.
  • 2023 has been claim-heavy with floods and cyclone damage throughout highly populated parts of the North Island. If you are in a troubled area (including Christchurch, flooded Auckland suburbs, Kaikoura or Wellington), this may mean insurance is more difficult to obtain and expensive, as outlined by our sample quotes guide and media reports.
To help you compare and make an informed decision, this guide covers:
  • Compare House Insurance Quotes New Zealand-wide
  • House Insurance Must-Know Facts
  • ​Suburbs and Areas of New Zealand Where it's Difficult to Insure Homes (and Ensuring a Home is Insurable)
  • Frequently Asked Questions
  • Ready to Buy House Insurance?
  • How to Make a Claim on Your House Insurance
  • Why Does House Insurance Cost What it Does?

Related resources: Our trusted go-to guides for Insuring an Old House and Difficult Areas for House Insurance explain what you need to know should either of these issues apply to you.

​​Advertising Disclaimer: MoneyHub may earn a referral bonus for anyone that’s approved through some of the below links. Our research and findings are independent of any bank, credit card issuer, or product manufacturer/service provider, and have not been endorsed by any of these entities. Please see our Advertising Policy for more details about how we make money.

Compare House Insurance Quotes With Our Top Insurers

  • Top Picks: Based on our research, Tower and Initio consistently shine with standout cover and competitive pricing. Can they beat your current policy?
  • Quick Quotes: Discover potential savings in just minutes. Stay informed with market rates from industry leaders like Tower and Initio - ensure you don't overpay.
  • Special Mention: Are you a homeowner in a challenging insurance area? Only Initio specialises in delivering instant online quotes with clarity, even for houses in higher-risk zones.
  • Advertising Disclaimer: Clicking and proceeding through any link may earn MoneyHub a referral bonus.
Tower House Insurance
Initio House Insurance
Tower House Insurance
Picture

Are you looking for contents insurance, or insurance for an investment property?
  • This guide is not for you - visit our contents insurance guide or landlord insurance guide.
  • If you are looking to estimate the rebuild cost of your home or an investment property, our house insurance calculator explains everything you need to know.

How Much Should I Insure My House For?
In the video below, MoneyHub Founder Christopher Walsh explains how house insurance calculators work and why you must ensure you have enough coverage every time you renew or switch insurers:

Compare House Insurance NZ

Compare House Insurance Quotes New Zealand-Wide

  • ​Well known insurers such as AA Insurance, AMI, AMP, Initio, State, Trade Me and Tower all sell house insurance. 
  • Each policy referenced below is "home only", no contents are included. The quotes are for a single-story, brick and tile roof property with a sum insured value of $700,000
  • We obtained quotes for nine properties in locations all over New Zealand.
  • For an easy-to-follow policy comparison between all house insurance providers, download our PDF table.

Property specifics:
  • Owner-occupied
  • Policy holder age = 40 years
  • Free standing home, concrete slab foundations, built 1980
  • Flat/gentle slope of land
  • 1 Story
  • Standard construction
  • No previous claims in the last three years
  • Double brick exterior with terracotta tiles
  • Floor area of 180 metres squared
  • Standard security with a monitored burglar alarm
  • Four bedroom, one bathroom, one deck, one kitchen and a two car garage
Disclaimer: Specific House Insurance policies and their terms and conditions differ between insurers. We make no representation that the quotes below imply that the policies are the same in form and substance. Please review policies in detail before making any decision.

Auckland Home Insurance Price Comparison - August 2023

Location
Initio
Excess: $400
Tower
Excess: $500
AA Insurance
Excess: $500
AMP
Excess: $500
AMI
Excess: $500
State
Excess: $550
TradeMe
Excess: $500
Takapuna
$1,848.80
$2,001.91
$2,072.09
$1,914.00
$2,643.40
$2,952.38
$2,130.72
Mt Wellington
$1,848.80
$1,825.23
$1,802.76
$1,850.71
$2,235.17
$2,777.85
$1,950.80
Mangere
$1,703.05
$1,901.52
$1,814.53
$1,850.71
$2,650.22
$2,885.44
$1,858.60

Waikato Home Insurance Price Comparison - August 2023

Location
Initio
Excess: $400
Tower
Excess: $500
AA Insurance
Excess: $500
AMP
Excess: $500
AMI
Excess: $500
State
Excess: $550
TradeMe
Excess: $500
Hamilton
$1,848.80
$1,840.97
 1,929.03
$1,855.49
$2,416.38
$2,745.33
$1,966.04
Tauranga
$1,960.53
$2,215.64​
 $2,095.12
$1,839.89
$2,310.17
$2,567.46
$2,153.83

Wellington Home Insurance Price Comparison - August 2023

Location
Initio
Excess: $400
Tower
Excess: $500
AA Insurance
Excess: $500
AMP
Excess: $500
AMI
Excess: $500
State
Excess: $550
TradeMe
Excess: $500
Wellington
$4,062.84
$3,240.13
-
$​2,180.53
-
-
$3,387.52
Upper Hutt
 $4,214.26
$3,873.67
-
$2,357.09
-
-
$4,047.54

South Island Home Insurance Price Comparison - August 2023

(Nelson, Dunedin and Invercargill are being finalised before 15 August 2023)
Location
Initio
Excess: $400
Tower
Excess: $500
AA Insurance
Excess: $500
AMP
Excess: $500
AMI
Excess: $500
State
Excess: $550
TradeMe
Excess: $500
Christchurch
$2,258.28
$2,936.28
-
-
-
-
$3,387.52
Nelson
​ $2,016.40
$2,714.01
$1,905.36
$​2,418.13
$2,863.91
$3,237.55
Dunedin
$1,848.80
$2,024.02
$2,211.27
$1,858.53
$2,163.20
$2,504.49​
$2,728.31
Invercargill
$1,848.80
​$2,476.03
$​2,634.77
​$1,899.32
$2,434.29
$2,820.09
$2,953.99
Summary
  1. If you're serious about switching insurers, or want to negotiate a better deal with your existing one, compare compare compare. It's the only way to have any bargaining power when it comes to bringing down the cost of house insurance. 
  2. If you live in Christchurch or the Wellington region, insurers will generally take longer to come back with a quote, but persist and compare, and if required, talk to an insurance broker specialises in house insurance
  3. We expect house insurance prices to change in 2024 and beyond as insurers charge natural disaster-prone areas more, (as announced in this Stuff.co.nz article) relative to low-risk areas. This means low-risk areas will pay relatively less, as is already being seen in the sample quotes above. 

Compare Policy Details

We've compared house insurance policies side-by-side to make it easier to see where you're covered, and where you're not. Download our comparison table in PDF or JPEG format. 
Compare Home Insurance
Click to enlarge (downloads as a PDF)
Disclaimer: This policy comparison is not intended to be financial or insurance advice. It is a summary of the various policy terms of coverage only. For full details of policy coverage, terms, benefits and exclusions please refer to the specifc policy wording document.

Compare House Insurance Quotes With Our Top Insurers

  • Top Picks: Based on our research, Tower and Initio consistently shine with standout cover and competitive pricing. Can they beat your current policy?
  • Quick Quotes: Discover potential savings in just minutes. Stay informed with market rates from industry leaders like Tower and Initio - ensure you don't overpay.
  • Special Mention: Are you a homeowner in a challenging insurance area? Only Initio specialises in delivering instant online quotes with clarity, even for houses in higher-risk zones.
  • Advertising Disclaimer: Clicking and proceeding through any link may earn MoneyHub a referral bonus.
Tower House Insurance
Initio House Insurance
Tower House Insurance
Picture

Home Insurance Compare NZ

House Insurance Must-Know Facts

Compare House Insurance NZ

A house insurance policy covers everything 'fixed' to your home and property

House insurance covers everything fixed to your property, so having the right level of cover is important, as is understanding the differences in policies. 
  • Basic policies may only cover major events such as fire, theft or flood.
  • Comprehensive policies offer more protection and cover you for major events, accidental damage caused, and other benefits such as alternative accommodation and cases of gradual damage. Our review of popular house insurance policies is in the 'Comprehensive' category.
  • Insurers will pay a maximum of the 'sum insured' - having the right level of cover is important. If disaster strikes and the rebuild cost exceeds the sum insured, you will have to meet this cost.
​
​Your home includes all of the following items which are owned by you:
  • Residential buildings, sheds, garages, carports, greenhouses, decks, verandahs, balconies, patios, etc.
  • Paths, paving, driveways, sports courts, fences, gates and free-standing garden walls
  • Letterboxes, exterior blinds and awnings, fixed clotheslines and built-in BBQs
  • Fixed water tanks, septic tanks and their systems, fixed or built-in swimming pools, spa pools and saunas and their systems
  • Solar panels
  • Internal or external appliances and fixtures that are permanently built-in, attached, plumbed into or wired into the building
  • Carpets and fixed floor coverings
  • Drains, pipes, gas lines, cables and poles 
  • Aerials and satellite dishes that are attached to your home
Compare House Insurance NZ

Know what house insurance doesn't cover

  • Acts of terrorism are not covered 
  • Damage due to wear and tear is not covered
  • If your home is unoccupied for more than 30 or 60 consecutive days during the year, your cover may be limited and/or an extra excess will apply. 
  • Damage by pets is rarely covered
  • Accidental damage may be covered, but there are often limits. 
  • If you work from home, the legal liability cover probably won't apply to a claim that arose in your course of business.

We strongly suggest checking the small print carefully before you buy any policy.
Compare House Insurance NZ

If how you 'use' your house changes, it may be a 'change of circumstances' and the insurer will need to know

Insurers are constantly assessing their risk, and an event or decision you make may constitute a 'change in circumstance'. If this is the case, your insurance company may need to know. This can include:
  • If the use or occupation of your house or land at the situation changes to include any business use - for example, you start to see clients at your home. 
  • If any structural alteration or addition is made to your house - for example, if you add an extension or permanent feature
  • If your house becomes tenanted or becomes a holiday home
  • If you, or any person who may occupy your house are charged with, or convicted of, or commit any criminal (offence other than traffic offences).

It is always smart to be on the same page as your insurer - if one of the above applies, a quick phone call will let you know where you stand. Be sure to take a note of the outcome and confirm it in an email to your insurer. 
​
Since 2020 there has been a rise in 'working from home' - house insurance policies cover this in most cases. However, here's what you need to know about 'material changes' to home use:
  1. No material change to home use: If customers and/or workmates come to the home for meetings or pickups, this won't concern the insurance if it's non-regular. The existing home insurance policy remains valid.
  2. Material change to home use: Non ‘home office’ functions are performed at the home.  For example, an owner-operated retailer of shoes, with no staff, moves their business and their stock home to become purely an online retailer. In such a case, this would need to be disclosed to the insurer. The presence of stock stored in the home or functions over and above ‘home office (e.g. computer work, phone calls etc) may change the risk to the insurer, and they will want to know about it. 
 
Know this:
  • If in doubt, simply disclose your situation to the insurer. In the shoe example, it may seem harmless to most people, and they would not usually think to disclose. However, what is happening here is that the stock of shoes is charging the use of the home (and also its fire load).
  • Different types of stock create different fire risks. There will be many online businesses that have not disclosed this to their insurers are at risk should something happen to the home – especially if it was caused or related to the business side of things.
  • There is also the fact that the stock assets will not be covered under the home or home/contents policies; a separate business policy is required.
  • If the homeowner discloses to their insurer, the insurer will not modify the policy to provide a special type of cover. Instead, its simply a binary decision on whether they will continue to provide that person with insurance or not.
Compare House Insurance Quotes
Compare House Insurance NZ

​You’ll save the most by prepaying house insurance annually

Insurers love being paid upfront, so if you know your living situation won't change in 12 months, you can likely save 10%-20% by paying upfront. It may be a cash hit but it's free money by way of savings, and if you do cancel the policy later on the unused months are fully refundable. 

Some policies allow situation changes, such as moving property, if you have prepaid for a year. In such instances, the insurer will usually either quote an additional amount to pay or issue a refund if the new premium is lower. 
Compare House Insurance NZ

Many factors affect what your policy costs

There are a number of factors which insurers take into account when pricing house insurance. This includes home-specific and applicant-specific information:
Home-specific:
  • Your address and location: Wellington and Christchurch are particularly troublesome for house insurance. All insurers assess certain cities or areas to be riskier.
  • Sum insured: How much you insure your home for is a major factor - our house insurance calculator has more details.
  • Whether you live in a house or an apartment: house insurance for apartments can be cheaper (but not always).
  • Use of home: Do you own and live in the home, or is it a holiday home?  
  • Building type: Is it a freestanding home, unit or lifestyle block?
  • Wall and roof material: What the walls and roof is made of affects insurance premiums.
  • Year of construction: The age of your home factors into the insurance quote.
  • Home security: Do you have a burglar alarm, deadlocks, and 24/7 monitoring by a security provider? If so, your insurance costs can be lower.
  • Construction standard: The 'quality' of your home also influences the policy cost.
  • Slope of land: Is your home built on a flat piece of land, or is sloping?
  • The number of levels, bedrooms, bathrooms and garage/car spaces: all of these influence the policy cost.
  • Number of dwellings: Is there a granny flat or self-contained unit on your property? If so, the insurance cost can be higher.
  • Outbuildings and features: If you have exterior buildings like garages and sheds, this can also influence the insurance cost.

Applicant-Specific
  • Your age - generally (but not always), the younger you are, the more expensive your policy - so a 25-year-old can pay more than someone who is 50. 
  • If you have existing house insurance - insurers like to see a history of behaviour, so if you have had insurance before, some insurers offer lower quotes compared to someone taking out house insurance for the first time. 
  • Your claims history - if you've been unlucky and submitted claims in the last few years, your premium may be higher.
Compare House Insurance NZ

Get other quotes BEFORE you renew every year

Insurers, like many electricity companies and broadband providers, often offer the best deals to new customers. Loyal customers are punished with higher rates, which usually increase each year. Our guide to House Insurance Quotes has current prices for a range of sample properties all over New Zealand - get your own quotes and see how much you can save. You can then contact your insurer and tell then you plan to switch. 

The New Zealand house insurance market has three dominant players - IAG (which owns AMI, NZI, State and Lumley), Tower and Vero. Despite that, independents such as Initio and Trade Me (which is a Tower product) are challenging the insurance market despite having a small market share.​
Compare House Insurance Quotes
Compare House Insurance NZ

Know the seven ways to save on house insurance

  1. Compare and switch for the best deal - always shop around and compare, especially when it comes to renewal time.
  2. Avoid cover you do not need - don't take out optional extras if you don't need them - doing so will add a chunk of cost to the policy. 
  3. Pay annually for your policy - as mentioned above, this can save up to 20%.
  4. Do not over insure - make sure your sum insured is reasonable but not overly generous. Be aware that some policies will pay 10% more than the sum insured if a total rebuild is needed after a covered natural disaster. 
  5. Increase the excess - Being willing to accept a higher excess will result in a lower premium, so adjust the excess level to see how the policy price changes.
  6. Secure your home - help prevent burglaries by installing a burglar alarm and consider installing deadlocks on doors and windows.
  7. Build up your no claims bonus - many policies offer a no-claims bonus, which you will be entitled to if you don't claim during the year.
Compare House Insurance NZ

Understand EQC (Earthquake Commission) cover and its limits

All house insurance policies include a fee that is paid to the Earthquake Commission (EQC). The EQC provides insurance cover, known as EQCover, which applies when an earthquake or other natural disaster occurs. Cover includes:
  • Damage to your home: Limited to $300,000 + GST (from October 2022 onwards).
  • Damage to your land: Not capped, but is limited to damage to land less than eight metres from your house.

Other covered events
​For other covered events, such as floods and storms, EQCover will only cover damage to your land. 

Direct EQCover
  • If you are unable to obtain EQCover for your residential building in the usual way (i.e. through the purchase of standard house insurance), you can apply for Direct EQCover against natural disaster damage.
  • Direct EQCover is the same as the EQCover anyone with a private insurance policy receives automatically. 
  • To get EQCover, you will need to apply for insurance through the private market before applying for Direct EQCover. EQCover will consider all applications on a case by case basis where customers would otherwise be unable to obtain natural disaster insurance because of factors not relevant to natural disaster risk.
  • More details are on the EQC website.
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Reduce the risk of theft and home damage with these easy-to-implement tips...

  1. Hide expensive items like phones and laptops from plain sight.
  2. Avoid leaving a spare key hidden near your front door.
  3. Buy a light timer and schedule it for when you are going away on holiday.
  4. Join a neighbourhood watch group and be aware of any problems in the area before they potentially happen to you.
  5. Install smoke alarms throughout your home.
  6. If you live in the South Island, or in places prone to frosts, consider insulating water pipes so they do not freeze in winter (which can cause significant flooding).
  7. Maintain your home by keeping the guttering clean, as well as inspecting for problem trees that could fall in a storm.
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Always check the policy's cover, terms and conditions carefully before signing up

It's important you understand the policy, what it covers and what it doesn't. If you are unsure, contact the insurer and ask them to explain it. Additionally, we suggest the following:
  • Double-check the quotes - make sure the quote you see on screen is the final quote.
  • Make a note of the renewal date and remind yourself to look again at insurance 11 months after it starts to see if better deals are out there.
  • You can adjust the excess and sum insured level to get the price that suits your budget. It's not a good idea to lower the sum insured amount below what the estimate replacement cost is, but you can raise the excess to see how much of a difference it makes. 

Compare House Insurance Quotes With Our Top Insurers

  • Top Picks: Based on our research, Tower and Initio consistently shine with standout cover and competitive pricing. Can they beat your current policy?
  • Quick Quotes: Discover potential savings in just minutes. Stay informed with market rates from industry leaders like Tower and Initio - ensure you don't overpay.
  • Special Mention: Are you a homeowner in a challenging insurance area? Only Initio specialises in delivering instant online quotes with clarity, even for houses in higher-risk zones.
  • Advertising Disclaimer: Clicking and proceeding through any link may earn MoneyHub a referral bonus.
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​Suburbs and Areas of New Zealand Where it's Difficult to Insure Homes

​Suburbs and Areas of New Zealand Where it's Difficult to Insure Homes

Our trusted go-to guides for Difficult Areas for House Insurance explains what you need to know should this issue apply to you. A summary is below:

Across New Zealand, there are now specific areas and regions where insuring homes isn't always straightforward, particularly when trying to secure coverage instantly online. Our research highlighted several regions and cities where getting home insurance is difficult. We list these and explain the reasons that contribute to the difficulty below:
  1. Wellington: As the capital city located near major fault lines, Wellington faces significant seismic risks. The city's hilly terrain and coastal exposure also contribute to its susceptibility to landslides and tsunamis, which increase the already significant risk to home insurers.  It can cost up to four times more to insure an identical house in Wellington as it does in Auckland. 
  2. Porirua: Similar to Wellington, Porirua is located near active fault lines, making earthquake risk a primary concern. Its coastal areas are also prone to sea-level rise and storm surges.
  3. Lower Hutt & Upper Hutt: Being part of the wider Wellington region, these areas are also vulnerable to earthquakes. Moreover, river flooding due to the Hutt River poses an additional threat, especially during heavy rainfall.
  4. Marlborough Sounds: This region has intricate waterways, peninsulas, and islands. Its topography and relative isolation make accessibility a challenge, increasing the risk of delayed assistance during emergencies and unknown rebuilding costs. Add in coastal nature and flood risks, and it can be a problem to insure in general. 
  5. Whangarei: Whangarei and some areas of Northland face risks associated with coastal hazards, including rising sea levels and storm surges. However the biggest risk concern are the slope severity hazards (landside and instability) that makes insuring houses on the outskirts of Whangarei sometimes difficult to insure.  In addition its tropical climate also makes it susceptible to cyclones and intense rainfall.
  6. Westport: Houses in Westport township face heightened flood risks due to its precarious position between the Orowaiti Lagoon to the Buller River. Investment by Council in the local flood protection infrastructure is necessary before insurers will adjust their risk appetite here. The remoteness of the West Coast also poses access issues which insurers take into account. 
  7. Hawkes Bay: Pockets of the Hawkes Bay including Eskdale, Wairoa and Fernhill recently suffered major flood damage.  Many areas have been re-classified by Council.  Houses throughout the Hawkes Bay have come under increased scrutiny by insurers when accepting new policies.  The area also has a history of earthquakes and this is also a major factor in the assessment of risk.
  8. Christchurch's Eastern Suburbs: Southshore and New Brighton: The 2010 and 2011 Canterbury earthquakes left an indelible mark on Christchurch, with the eastern suburbs being some of the hardest-hit areas. The repercussions of these events have led to significant insurance challenges in regions like Southshore and New Brighton.

Be Aware: Houses built before 1935 in Wellington, Christchurch, North Canterbury, and Marlborough: As a background, before 1935, New Zealand had no set of building standards, which means older homes, especially those constructed before 1935, may not have been built to the same structural standards as newer buildings. This makes them more vulnerable to damage from earthquakes and other natural disasters, and many insurers won't cover them, as first reported in this 2012 Stuff.co.nz article. 

Know This: While the above regions are some of the most well-known areas with insurance complexities, hundreds of other pockets around the country present unique risk layers. 

Checklist for Potential Buyers: Ensuring a Home is Insurable

If you're considering purchasing a home anywhere in New Zealand, it's essential to understand the insurance complexities in various regions. Before making an offer, determine whether the home is insurable and at what cost. To help you proceed with confidence and efficiency, our step-by-step checklist covers what you need to be aware of:

​1. Location Evaluation:
  • Research the suburb/area: Does it fall into any regions listed with insurance complexities?
  • Even if a suburb isn't listed in the high-risk areas, there are hundreds of other pockets around the country with unique risk layers. 
  • If it's high risk, home insurance will be more problematic to secure. 

2. Historical Assessment:
  • Check the construction year of the house: If built before 1935, especially in Wellington, Christchurch, North Canterbury, or Marlborough, it may be more challenging to get insurance.
  • Understand the historical events of the region: Has the area experienced significant natural disasters in the past?
  • If the home is pre-1935 and/or in a natural disaster area, home insurance will be more problematic to secure. 

3. Use Technology to Cover the Unknown:
  • We suggest inputting the address into initio to get instant feedback on potential insurance concerns - initio's database is unrivalled and a strong starting point to unearth any issues. Please be aware that initio is a partner of MoneyHub and if you purchase a policy we may receive a referral fee. 
  • If you are looking to purchase a new property we suggest not only getting an instant quote from Initio (to see if there are any red flags, e.g. a slope severity warning), but spending a couple of minutes getting to the payment page. If you make it there you will be able to download a certificate confirming your ability to get insurance.  This is something Banks are requiring of certain properties. 

If there are no red flags by completing the above, there are still other in-personal and third-party checks to complete:

​1. On-site Visit:
  • Check for visible signs of structural damage or repairs.
  • Evaluate the home's positioning in relation to potential flood zones, landslide areas, or proximity to the coast.

2. Consultation:
  • Spot-check other properties in the same street using initio to understand if other homes have faced issues. Are there any common issues they encounter?
  • Facebook groups of local community members are useful resources for asking about street or neighbourhood-specific home insurance experiences.

3. Environmental Risks:
  • Review geological reports: Look for potential seismic activities, landslide risks, and flooding patterns.
  • Assess the vulnerability to coastal hazards, such as rising sea levels, storm surges, and cyclones.
  • As an example, Auckland Council launched a tool in August 2023 for anyone to check the flood risks of an address per this RNZ article . 

If there are no red flags at this point, more checks are needed:

Inspection:
  • A Building Inspector report will assess the home's structural integrity, the current condition, susceptibility to regional risks, and any recommended fortifications or repairs.
  • Ensure the home complies with the latest safety and structural standards.
  • Inquire if the home has ever been denied insurance coverage and, if so, why.

Final Decision:
  • Weigh the pros and cons of purchasing the home based on its insurability.
  • Consider future resale potential - if the house is challenging to insure now, it may be more difficult to sell later. 
  • For all of the above reasons, it's essential to clearly understand your potential home's insurability before committing to purchase.

Related resources: Our trusted go-to guides for Insuring an Old House and Difficult Areas for House Insurance explain what you need to know should either of these issues apply to you.

Compare House Insurance Quotes With Our Top Insurers

  • Top Picks: Based on our research, Tower and Initio consistently shine with standout cover and competitive pricing. Can they beat your current policy?
  • Quick Quotes: Discover potential savings in just minutes. Stay informed with market rates from industry leaders like Tower and Initio - ensure you don't overpay.
  • Special Mention: Are you a homeowner in a challenging insurance area? Only Initio specialises in delivering instant online quotes with clarity, even for houses in higher-risk zones.
  • Advertising Disclaimer: Clicking and proceeding through any link may earn MoneyHub a referral bonus.
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Compare House Insurance NZ Frequently Asked Questions

Frequently Asked Questions

What is average house insurance cost in New Zealand?

There is no average price; every home is different. Throughout New Zealand, insurers vary their quotes based on the size of the home, location, age of home, materials used to build the home, section angle and many other factors. The best way to find the best house insurance deal is to review our house insurance quote comparison and get your own quote directly with the insurers. 

What is the best house insurance?

Our review of house insurance quotes outlines the most common policies available in New Zealand, and sample costs.

What is covered by a house insurance policy?

House insurance covers the cost of rebuilding or repairing your home if it is damaged or destroyed. External garages, garden sheds and fences are also covered, as is the cost of replacing things like pipes, cables and drains. The costs of demolition, site clearance, and architects' fees are also covered by house insurance.

Commonly throughout New Zealand, most people need to claim on their house insurance when there is loss or damage caused by:
  • An earthquake
  • A fire
  • A flood
  • Vandalism
  • Theft causing property damage (i.e. broken windows)
  • Frozen and burst pipes
  • Fallen trees
  • Land subsidence (i.e. sea-facing properties)

How much insurance cover do I need for my house?

You need enough cover to pay for a complete rebuild. If disaster strikes and you don't have enough cover, you will have to pay for the difference between the cover and total rebuild cost yourself. Our House insurance calculator guide outlines exactly what you need to know to get an appropriate level of cover.

Is house insurance a requirement?

No, unless you have a mortgage over your home (see below). House insurance is however recommended given the number of natural disasters that put New Zealand under threat, as well as the risk of fire or flooding. Because a home is likely to be most New Zealand's biggest asset, spending $700 to $1,500 a year protecting it should be a priority.

Is house insurance included in a mortgage?

No - but many banks and mortgage brokers will try and sell house insurance as part of the lending process. Our view is to shop around, as banks and mortgage brokers make plenty of commission from selling policies, which may not be the best available in the market.

Do I need house insurance if I rent?

No - house insurance is the responsibility of your landlord to protect the buildings. You can consider contents insurance, but this not required either.

Do you pay house insurance monthly or yearly?

Most insurers offer monthly, quarterly and annual payment options. Be aware that in some cases, paying monthly can mean you pay 10-15% more, which we believe is far too high. 

​How will the excess affect the cost of my policy?

​Each policy will be quoted with a compulsory excess, which many insurers let you adjust upwards or downwards before buying the policy. The excess is always outlined when you buy a policy, and generally, a higher excess will lower the cost of your insurance premium, and a lower excess will increase the cost of insurance. In our research, we found $500 was the most common standard excess. 

When you select your excess, consider what you could afford tomorrow if disaster struck. If your limit was $500 or $750, a similar excess would be more appropriate than selecting a $1,500 or $2,500 excess, even if you pay more annually for a policy.

Should I buy contents insurance separately or combine it with house insurance?

If you to insure your contents as well, our guide to house and contents insurance explains more. If you do buy a combined policy, make sure you check the details carefully. Some insurers may have a separate excess for both parts of your policy, which means a claim affecting both the structure of your home and its contents, such as a flood or fire, will result in a double excess. Be sure to check a policy for this limitation. 

Can you change your house insurance anytime?

Yes - if you move house you can cancel and be refunded any prepaid time on your policy. You can also increase or decrease your sum insured cover at any time; the insurer will re-calculate your policy cost based on the new amount.

Compare House Insurance NZ

​Ready to Buy House Insurance? Know How to Get the Best Deal

Once you’ve become familiar with the basics and have decided to purchase house insurance, it’s time to get the best quote for what you need. Unlike travel insurance or life insurance, there are no price comparison websites for house insurance.
 
Get the best policy without becoming overwhelmed by the details

Tip 1 – Read our Best Buy House Insurance policies below to get an idea of price and coverage
We have put together a number of house insurance quotes from AA Insurance, AMI, AMP, ANZ, Inition, State, Trade Me, Tower and Westpac for a number of properties all over New Zealand. The purpose is to help everyday New Zealanders to understand the cover level and make it easier to pick the right policy while reducing the chance of overpaying for cover.  

Tip 2 - Check your policy cover and excess
Make sure the policy quote offers the right level of cover, and consider what excess levels or extra coverage you are happy with. Generally, a higher excess coupled with lower coverage (in dollar terms)  equals a cheaper quote, but it's essential to make sure the cover level is sufficient when buying house insurance (or any insurance for that matter).  

Tip 3 – Lower the excess only if you are comfortable paying more for a policy cost
If you have the right level of cover, you can pay less for a policy by choosing to have a higher excess. However, it's important to make sure you can afford the excess if and when you need to make a claim.

Compare House Insurance Quotes With Our Top Insurers

  • Top Picks: Based on our research, Tower and Initio consistently shine with standout cover and competitive pricing. Can they beat your current policy?
  • Quick Quotes: Discover potential savings in just minutes. Stay informed with market rates from industry leaders like Tower and Initio - ensure you don't overpay.
  • Special Mention: Are you a homeowner in a challenging insurance area? Only Initio specialises in delivering instant online quotes with clarity, even for houses in higher-risk zones.
  • Advertising Disclaimer: Clicking and proceeding through any link may earn MoneyHub a referral bonus.
Tower House Insurance
Initio House Insurance
Tower House Insurance
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House Insurance NZ

How to Make a Claim on Your House Insurance

In almost every case, making a claim will be an easy process. Knowing your house insurance policy’s excess level and terms and conditions will limit any nasty surprises.  To have the best experience when making a claim, follow these steps:
  1. Insurers ask to be contacted as soon as possible when there is damage or a loss. You will need to be able to pay the excess for the claim to be processed. Generally, insurers require you to:
  2. Provide full details of the situation - the time and date, reason or cause etc.
  3. Provide evidence of the loss - photographs of the damage to your home, a police report etc.
  4. In the case of earthquake damage, your home may not be accessible for days, weeks or even months while the damage is assessed. Do not enter your property in this time.
  5. In the case of flooding, it can take weeks (or longer) for a property to dry out. 
  6. Report any sewage issues or hazards to your local city or district council.
  7. Do not attempt to make any repairs yourself - always contact your insurer and arrange for an approved professional to do any work that is covered. If it's an emergency and your insurer cannot fix the problem, contact a qualified plumber, electrician or builder. You can keep the receipts and claim on these. 
  8. If you have the right level of cover, your house insurance policy will pay out for any damage incurred. Most policies also cover alternative accommodation (hotels, motels, etc.) if you cannot access your property. 

If your claim is rejected, appeal and complain
  • Your insurer should inform you, in detail, why the claim was rejected and how it falls outside your policy.
  • If you disagree, jump on the phone and explain why your claim meets the T&Cs of the policy you bought.
  • If the insurer still refuses to cover your claim, ask your insurer for a "letter of deadlock". This letter lays out why the insurer disagrees with your claim. Once you have the letter of deadlock, you can access the Insurance & Financial Services Ombudsman Scheme which resolves disagreements between customers and their insurers.
  • Their free-of-charge service will make the final decision about your claim and order the insurer to pay out if they find in your favour. 
  • If your insurer isn't a member, you can complain to Financial Services Complaint Ltd who follow a similar process.

Compare House Insurance NZ

Why Does House Insurance Cost What it Does?

To help explain where your money goes when you pay for a policy, we've outlined a brief guide to demystifying your house insurance premium:
  • ​Insurance policies rely on wording that is often fraught with jargon, giving them a reputation for being both convoluted and confusing.
  • Something as important as insuring your house should come with some certainty – so how do you demystify this? Many MoneyHub readers ask how their premium costs are calculated, and where the costs go. 
  • The premium cost is variable: a rental property in Auckland, for example, will likely have a cheaper premium than an equivalent property in Christchurch due to earthquake risk. Based on the big data leading house insurance company Initio shared with us on their claims, many factors determine premiums – some of these things include relative exposure to weather events, flood zones, vulnerability to theft and the historical record of claims in the area.  

Insurers use the following factors, among others, to calculate your premium:  

1. Location
  • ​An insurance premium is heavily dependent on the likelihood of earthquakes and storms, based on historical data.
  • Many insurers moved to risk-based pricing in 2018, meaning that low-risk places like Hamilton will no longer subsidise higher-risk regions such as Napier.
 
2. Water supply and emergency services
  • The closer a house is to a fire station, and the better the access a property has to water, the less likely it is to burn to the ground. A property 30 minutes out of town relying on rainwater tanks will attract a higher premium.    

3. Age of the property 
  • This can affect premium pricing. For example, houses built before 1935 are more likely to have claims than those built afterwards because they are more likely to have corroding electrical wiring, old pipes that can’t cope with increased town water pressure, and original roofing more susceptible to storm damage.   

4. Use of the property 
  • Data indicates that houses occupied by their owners have fewer losses than those occupied by tenants or short-term guests. A rental property attracts landlord risk (such as malicious damage and loss of rents) so a landlord insurance policy will always cost at least 20% more than the relatively insurance rating for an owner-occupied home.
  • Holiday homes sit for longer periods of inoccupancy, which increases other risks such as unnoticed water damage, break-ins and burglary.    

5. Replacement value
  • The greater the insured value of a property, the higher the premium. The increase in premium isn’t linear – so a $1,500,000 rebuild value doesn’t attract double the insurance premium of a $750,000 rebuild.
  • After a certain point, the cost of insurance increases at a decreasing rate, reflecting the fact that over 95% of insurers’ claims are for smaller loss (e.g. up to $10,000) not total losses requiring a complete rebuild.    

6. Excess and extras 
  • An excess is the amount the property owner is willing to absorb at claim time. The more the owner is willing to pay, the lower the risk to the insurer – and the lower the premium cost.
  • Extras that increase the premium are the additional covers the property owner adds, e.g. increasing loss of rents from $20,000 to $80,000 for a rental property, or adding nil excess glass cover.    

7. Government Levies
  • A government earthquake levy is added to the insurance cost of every residential property, to cover for natural disasters losses to dwellings and land up to $345,000, which increased from $172,500 in late 2022 per this EQC announcement.
  • This is currently set at $552 per residential unit, the earthquake levy covers $345,000 of the loss. Anything over $345,000 is paid for by the insurance company. In this way, your insurer collects your EQC levy as part of your total insurance cost and passes them onto the Earthquake Commission. 
  • The second type of levy included in your premium is another fixed component cost: the Fire and Emergency Service Levy. This levy contributes toward the cost of running emergency services (fire brigade, ambulance service, etc.) of which residents of New Zealand collectively share the benefit.
  • Like the earthquake levy, the fire levy is charged on each residential unit at a rate of $106 + GST per living unit, and an additional $21.20 + GST if cover for contents is included in your policy. In the same way, your insurer collects the fire levy as part of your insurance premium and passes those funds onto the NZ Government. The levies are outlined on the Fire and Emergency Service's website, and will increase in mid 2024.
  • Unlike the EQC, if you choose not to have residential property insurance, you will still benefit from the fire and emergency services, even though you have not directly contributed to these services.  

8. GST
  • Like all domestic goods and services in New Zealand, a 15% GST tax is then applied to the total insurance cost (insurer premium, EQC levy, and Fire levy). This total becomes the cost of your insurance policy premium that is payable by you, the insurance customer.  
  • So for a house insurance premium of $1,200 including GST (which is common), around $670 of this amount pays the levies. Around $510 is left over, which, net of GST, is around $443. This is retained by the insurer to pay claims, reinsurance and staff and distribution costs. 

Compare House Insurance Quotes With Our Top Insurers

  • Top Picks: Based on our research, Tower and Initio consistently shine with standout cover and competitive pricing. Can they beat your current policy?
  • Quick Quotes: Discover potential savings in just minutes. Stay informed with market rates from industry leaders like Tower and Initio - ensure you don't overpay.
  • Special Mention: Are you a homeowner in a challenging insurance area? Only Initio specialises in delivering instant online quotes with clarity, even for houses in higher-risk zones.
  • Advertising Disclaimer: Clicking and proceeding through any link may earn MoneyHub a referral bonus.
Tower House Insurance
Initio House Insurance
Tower House Insurance
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Related Guides

  • House insurance calculator
  • Insuring an Old House
  • Difficult Areas for House Insurance
  • Contents insurance guide
  • Landlord insurance guide
  • Initio Insurance Review
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    • Credit Scores & Interest Rates
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  • Insurance
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    • Pet Insurance
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    • Life & Health Insurance
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        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • Life Insurance Calculator
        • Pre-Existing Medical Conditions
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        • 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
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      • Mortgage Insurance
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        • What to Do When a Spouse or Partner Dies
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  • Credit Cards
    • Best Credit Cards
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      • ANZ vs AMEX vs Kiwibank vs Westpac Platinum Airpoints Credit Cards
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    • Balance Transfer Credit Cards
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    • Reviews
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        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
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        • AMEX Cardholder Feedback
        • 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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      • Wise Debit Card Review
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      • Revolut vs Wise - Which Is Better?
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      • Best Foreign Currency Debit & Credit Cards
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  • Banking & Savings
    • Banking
      • Best Bank Accounts
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    • Savings
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      • Booster Savvy Review
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    • Guides and Resources
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    • Reviews
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  • Mortgages
    • Mortgage Essentials
      • Best Home Loans
      • Mortgage Calculator
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      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
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    • Mortgage Brokers
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      • 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
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    • Buying a Home
      • First Home Buyers Checklist
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
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      • Leasehold Property Guide
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    • Selling a Home
      • How to Sell Your House Privately
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    • Building a House
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      • Tiny Homes in New Zealand
  • KiwiSaver
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      • What's My PIR?
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        • MAS Review
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    • KiwiSaver Calculators
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  • Business
    • Compare Business Loans
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      • Prospa Business Loans Review
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    • Business Insurance
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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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      • Raising Capital
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      • Expanding Offshore
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  • MSD
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    • Government Departments Helping New Zealanders Directly
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      • Food Banks Auckland
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  • Motoring
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      • CarJam Review
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      • Top Cars that Hold Their Value
      • Vehicle Leasing
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    • Everyday Driving
      • Costs of Owning a Car
      • 20 Ways to Make Driving Cheaper
      • Gaspy App Review
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      • AA Membership Review
      • Best Car Batteries
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    • Warrant of Fitness
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  • Law
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  • Job Hunting
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    • Guides & Resources
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    • Recruitment Agencies
      • Recruitment Agencies Auckland
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  • Travel
    • How to Get Access to Airport Lounges
    • Flybuys Review
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    • Cheap Domestic Flights
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    • Queenstown Like a Local
    • Auckland Travel for Less
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    • 100+ Free Things to do in Auckland
    • Layby Flights Guide
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    • Foreign Currency Exchange
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  • Broadband
    • Compare Broadband Plans
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    • Internet Speed Test
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      • Starlink Review
      • Voyager Broadband Review
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  • Power
    • Compare Power Companies
    • Power and Broadband Bundles
    • How to Lower Your Power Bills
    • Fixed Contracts vs Open Power Plans – What You Need to Know
    • Electric Vehicle Power Plans
    • How to Use Less Power
    • Power Companies
      • Contact Energy Review
      • Ecotricity Review
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      • Flick Electric Review
      • Frank Energy Review
      • Genesis Energy Review
      • Globug Review
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      • Meridian Energy Review
      • Nova Energy Review
      • Powershop Review
      • Z Energy Power Review
  • Financial Independence
    • FIRE Guides
      • Retirement in a Nutshell
      • How to Retire Early
      • FIRE Explained
      • The Four Percent Rule
      • Achieving Financial Independence, Faster
      • Five Types of FIRE Plans
      • Getting FIRE’d in New Zealand
      • FIRE and NZ Real Estate
    • FIRE Tools
      • Budgeting Apps
      • Debt Repayment Apps
      • Free Financial Literacy Classes
      • Free Financial Products
      • 50/30/20 Budget Calculator
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    • Tax
      • Beginner's Guide to Tax
      • Salary Sacrifice in New Zealand
      • Tax Bracket Creep
      • Tax Refunds
    • Money Tips
      • 20 Things to Stop Buying to Have More Money
      • 20 Indicators You're Doing Well Financially
      • 20 Must-Know Money Lessons (Learned From Experience)
      • 20 Money Habits that Keep You Poor
      • Saving on Household Bills
      • Debt Help
      • CAP (Christians Against Poverty) Review
      • Debtfix Review
      • Getting into Debt to Meet Short Term Living Costs
      • How to Survive a Recession
      • Average NZ Salary by Age
      • How to Maximise Income in Retirement
      • How to Handle Rising Interest Rates
      • Free Money from the Government
      • Bankruptcy Guide
      • Unclaimed Money in New Zealand
      • Financial Planning for Children With Disabilities
      • Should I Stop Contributing to KiwiSaver?
      • Teaching Kids About Money
      • Single Parenting and Money
      • How to Protect Your Finances from Inflation
      • Impacts of Inflation in New Zealand - 2022 and Beyond
      • Tips for Families on a Single Income
      • Side Hustles
      • Charities in New Zealand
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
  • Trade & Professional Services
    • Auckland Trade & Professional Services
      • Acupuncture Auckland
      • Arborists Auckland
      • Asbestos Removal Auckland
      • Auto Electricians Auckland