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
        • Sharesies vs Hatch vs Stake
        • Kernel vs Smart
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Invest Direct and more
        • Best Investment Apps
        • How Do I Start Investing?
        • Virtual Stocks and Shares Trading Games
      • Guides
        • How to Invest in Shares
        • Investing 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
        • US Extended Hours Trading Explained
        • What Happens If Your Investing Platform Shuts Down?
        • Fractional Shares
        • Transferring Share Portfolios
        • How to Read and Understand a Share Chart
        • NZX in a Nutshell
        • Investing in the ASX from New Zealand
        • Investing in Asian Markets from New Zealand
        • Understand Gross vs Net
        • How to Attend the 2026 Berkshire Hathaway Annual Shareholders Meeting
    • Introduction to Investing
      • Guides
        • Index Funds
        • ETFs (Exchange Traded Funds)
        • Cash Funds
        • Index Funds vs ETFs
        • 10 Ways to Invest in New Zealand
        • Compound Interest Explained
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • Investing in the S&P 500 from New Zealand
        • Best Retirement Income Products in New Zealand
        • Shares vs ETFs
        • 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 Top Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
        • Dosh Review
      • Investing Calculators
        • Term Deposit Calculator
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Managed Funds
          • Pie Funds Management Review
          • Booster Private Land and Property Fund Review
          • AMP Managed Funds Review
        • Our Favourite Managed Funds
        • Advisers
          • Financial Advisers Overview
          • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
          • Financial Advisers Auckland
          • Financial Advisers Hamilton
          • Financial Advisers Tauranga
          • Financial Advisers Napier & Hastings
          • Financial Advisers Palmerston North
          • Financial Advisers Wellington
          • Financial Advisers Lower Hutt & Hutt Valley
          • Financial Advisers Nelson & Tasman
          • Financial Advisers Christchurch
          • Financial Advisers Dunedin
          • Lighthouse Financial Services Review
        • Bank Credit Ratings
        • Tax on Investments and Savings
        • Capital Gains Tax
        • Bright-Line Test
        • Ethical Investing
        • Best ESG Funds
        • Asset Allocations to Build Wealth
        • Managing Offshore Investments for Returning New Zealanders and Migrants
        • How to Buy and Sell Bonds
        • Buying NZ Corporate Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowdfunding Guide
        • REITs Guide
        • Jasper Review
        • Investing & Personal Finance Podcasts
        • Emergency Funds
        • UK Pension Transfer to New Zealand
        • Returning to the UK from NZ
        • Spending Your Savings in Retirement
        • How to Take Income from Investments
        • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
        • Investment Scams
        • Investing in Recession-Proof Sectors and Asset Classes During a Downturn
        • Hedging Investments
        • Top Personal Finance Books for New Zealanders
        • Top Ten Personal Finance Resources
      • Reviews
        • Simplicity Investment Funds Review
        • Lending Crowd Review
        • Squirrel Review
        • Sharesight Review
        • Lifetime Retirement Income
        • New Zealand Financial Markets Authority (FMA)
      • Calculators
        • Managed Funds Fee Calculator
        • Basis Points Calculator
        • Inflation Calculator
        • Retirement Calculator New Zealand
    • Alternative Investments and Trading
      • Reviews
        • BlackBull Markets Review
        • CMC Markets Review
        • Plus500 Review
        • IG Review
        • TMGM Review
        • CMC Markets vs Plus500 vs IG Markets vs BlackBull Markets
      • Guides
        • How to Invest in Gold
        • How to Invest in Silver
        • Forex Trading Guide
          • Forex Trading Platforms Comparison
          • Forex Trading Tools
          • Forex Trading Courses and Education
          • Forex Regulation
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Copy Trading
      • Cryptocurrency
        • Reviews
          • Easy Crypto Review
          • Swyftx Review
          • Binance Review
          • Easy Crypto vs Swyftx
          • NZDD Review
          • Independent Reserve Review
          • eToro Review
          • Coinbase Review
          • Kiwi-Coin Bitcoin Exchange Review
          • Vault International Bitcoin Fund Review
        • Guides
          • How to Buy Bitcoin in New Zealand
          • Beginner's Guide to Bitcoin and Blockchain
          • Stablecoins
          • Guide to NFTs
          • Bitcoin Wallet Guide
          • Bitcoin Mining
          • How to Sell Bitcoin
          • Bitcoin and Crypto Scams
          • Initial Coin Offerings
          • A Beginner’s Guide to Investing in Cryptocurrencies
          • Decentralised Finance
          • Bitcoin in New Zealand
          • New Zealand Bitcoin Exchanges
          • How to Buy Ethereum in New Zealand
          • Other Coins
            • How to Buy Ripple in New Zealand
            • How to Buy Cardano in New Zealand
            • How to Buy Dogecoin in New Zealand
            • How to Buy Litecoin in New Zealand
            • How to Buy Polkadot in New Zealand
  • Loans & Finance
    • Car Finance
      • Car Finance Calculator
      • Electric Vehicle Loans
      • How to Refinance Your Car Loan
      • Car Loan Refinance Calculator
      • Car Dealership Finance vs Alternatives
      • Motorcycle and Moped Loans
      • Motorcycle and Moped Loan Calculator
      • Asset Finance
      • Asset Finance Repayment Calculator
      • Business Vehicle Loans
      • Bad Credit Car Loans
      • Car Loan Brokers vs Direct Car Finance
      • Car Loan Amortisation Calculator
      • Car Finance Company Reviews
        • Simplify Loans Review
        • Toyota Finance Review
        • Mazda Finance Review
        • MTF Finance Review
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • Lending People Review
        • Driva Car Loans Review
      • Car Finance Must-Knows Guides
        • Buying a Car Loan vs Personal Loan?
        • Car Loans and Collateral
        • Car Loan Guarantors
        • How to Save for a Car
        • Paying Cash for a Car vs Car Finance
        • Balloon Payments
        • Boat Financing Calculator
      • Car Finance Add-On Insurance Guides
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • Compare Mechanical Breakdown Insurance
        • PPI (Payment Protection Insurance)
    • Personal Loans
      • Debt Consolidation Loans
      • Secured Loans
      • Green Loans
      • Home Renovation Loans
      • Online Loans
      • Bad Credit Loans
      • Beneficiary Loans
      • Payday Loans
      • Cash Advance
      • Same Day Loans
      • Low Income Loans
      • Personal Loan Calculator
      • Debt Consolidation Calculator
      • The Dangers of Debt Consolidation
      • Refinance Personal Loan Calculator
      • Home Renovation Loan Calculator
      • Interest Calculator
      • Harmoney Loans Review
      • Money Sweetspot Review
      • Nectar Review
      • Avanti Finance Review
      • Save My Bacon Review
    • Credit Scores & Interest Rates
      • Credit Scores and Credit Checks
      • How to Build Credit in New Zealand
      • How to Pay Down Debt Faster
      • Baycorp and Debt Collection
      • Interest Rates Guide
      • Interest Rate Comparison
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Compare Insurance
      • Compare Car Insurance
      • Car Insurance by Vehicle
        • Compare Toyota Aqua Insurance Costs
        • Compare Toyota Corolla Insurance Costs
        • Compare Toyota Hilux Insurance Costs
        • Compare Mazda2 and Demio Insurance Costs
        • Compare Ford Ranger Insurance Costs
        • Compare Nissan Navara Insurance Costs
        • Compare Subaru Legacy Insurance Costs
      • Reviews & Policy Comparisons
        • AMI vs AMP vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
        • Cove Car Insurance Review
        • 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 and Other Insurance
      • House Insurance
      • House Insurance Calculator
      • Best Holiday Home and Airbnb Insurance Policies
      • Difficult to Insure Areas
      • Sum Insured Explained
      • Is Your Home an Insurance Risk?
      • Average Cost of Car, House, and Contents Insurance
      • Insuring Old Houses
      • Contents Insurance
      • Home and Contents Insurance
      • Renters' Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Insurance Company Financial Strength Ratings
      • Motorbike Insurance
      • Initio Review
      • Insurance Brokers
        • Trusted Insurance Brokers in Wellington
        • Trusted Insurance Brokers in Christchurch
    • Compare Pet Insurance
      • Is Pet Insurance Worth Buying?
      • Cat and Dog Desexing
      • Getting a Kitten
      • Buying a Puppy
      • Pet Euthanasia
      • Vet Costs in New Zealand
      • Dog Vaccination Schedule and Costs
      • Costs of Owning a Cat
      • Costs of Owning a Dog
    • Students Insurance
    • Life & Health Insurance
      • Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • Stepped vs Level Life Insurance
        • Life Insurance Calculator
        • Pre-Existing Medical Conditions
        • Buying Life Insurance Direct vs Using an Insurance Broker
        • Life Insurance Policies - Features and Questions to Ask
        • When To Cancel Or Change a Life Insurance Policy
        • Life Insurance For Smokers and Vapers
      • Health Insurance
        • Going to Australia for Medical Treatment
        • BMI Calculator New Zealand
      • Income Protection Insurance
        • ACC vs Income Protection Insurance
        • Income Protection Insurance for Self Employed
      • Mortgage Insurance
      • Trauma Insurance
      • Redundancy Insurance
      • Funeral Insurance
        • What to Do When a Spouse or Partner Dies
        • Funeral Costs
  • Credit Cards
    • Best Credit Cards
    • Rewards and Cashback Credit Cards
    • Credit Cards That Earn Business Class Flights
    • The Best American Express Credit Cards
    • Air New Zealand Airpoints Credit Cards
      • Kiwibank Airpoints Cards Ending – 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
        • American Express Gold Rewards Card Review
        • American Express Gold Business Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • Where is AMEX Accepted?
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • Valuing AMEX Membership Rewards Points
        • AMEX Dining Collection Program Review
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
        • Qatar Airways Credit Cards
        • Singapore Airlines KrisFlyer Credit Cards
        • Cathay Pacific Asia Miles Credit Cards
        • Emirates Skywards Credit Cards
        • RewardPay Review
      • Flight Centre Mastercard Review
    • Guides
      • Pay Off Credit Card Debt
      • Credit Card Basics
      • Mastercard vs Visa
      • Credit Card Minimum Payments Explained
      • Credit Card Interest Calculator
      • Credit Card Debt Amortisation Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • Best Foreign Currency Debit & Credit Cards
      • Free Credit Cards
      • Low Interest Credit Cards
      • Credit Cards for Bad Credit
      • Q Card & Q Mastercard Review
      • GEM Visa Review
      • Onecard Visa Review
      • Purple Visa Review
  • Travel Money Cards
    • Travel Money Card Reviews and Comparisons
      • Wise Debit Card Review
      • Revolut Review
      • Revolut vs Wise - Which Is Better?
      • Travelex Money Card vs Wise Debit Card Comparison
      • OneSmart Card vs Wise Debit Card Comparison
      • Cash Passport vs Wise Debit Card Comparison
    • Travel Money By Country
      • Top Travel Destinations Where the NZD is Strong Right Now
      • Australia Travel Money
      • Bali Travel Money
      • Canada Travel Money
      • Europe Travel Money
      • Fiji Travel Money
      • Japan Travel Money
      • Rarotonga Travel Money
      • Singapore Travel Money
      • Thailand Travel Money
      • USA Travel Money
      • UK Travel Money
      • United Arab Emirates Travel Money
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
      • Open a USD Bank Account from New Zealand
      • Depositor Compensation Scheme (DCS) Explained
    • Savings
      • Best Term Deposits
      • Best Notice Saver Accounts
      • Booster Savvy Review
      • Booster Savvy Analytics Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Explained
      • NZ Bank Prefix Codes
    • Reviews
      • Wise Money Transfer Review
      • Heartland Bank Review
      • First Credit Union Review
      • NZCU Baywide Review
      • The Co-operative Bank NZ Review
      • Western Union Review
  • Mortgages
    • Mortgage Essentials
      • Best Home Loans
      • Mortgage Calculator
      • Interest Rate Predictions 2025
      • How Much Can I Borrow?
      • Debt to Income Ratios
      • Equity (and Leverage) Calculator
      • Mortgage Repayment Calculator
      • Mortgage Options
      • Mortgage Cashback
    • Other Mortgage Options
      • Interest-Only Mortgages Guide
      • Interest-Only Mortgage Calculator
      • Revolving Credit Mortgages
      • Offset Mortgages
      • Offset Mortgage Calculator
      • Fixed vs Floating Mortgage Rate Calculator
      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
      • Low-Deposit Home Loans
      • Rent to Own Homes
      • First Home Loan Guide
      • Reverse Mortgages
      • Lifetime Home Review
    • Mortgage Management
      • Saving for a House Deposit
      • Saving for a House Deposit as a Young Professional
      • Buying a Home with Family and Friends
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • What To Do if You Bought a House at the Peak of the New Zealand Market
      • Tips for Seniors Renting or Paying Down a Mortgage
      • Remortgaging Guide
      • Mortgage Relief and Holidays
      • Amortisation Calculator
      • Mortgage Break Fees
      • Defaulting on a Mortgage
      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
      • Mortgage Brokers Explained
      • Trusted Auckland Mortgage Brokers
      • Trusted Hamilton Mortgage Brokers
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers on the Kapiti Coast
      • Trusted Mortgage Brokers in Christchurch
      • LifeDirect Mortgages Review
    • Buying a Home
      • First Home Buyers Checklist
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
      • Buying an Apartment in New Zealand
      • Buying vs Renting a House
    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • Investment Property Mortgages
      • 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
    • KiwiSaver Schemes
      • Amanah KiwiSaver Scheme
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • InvestNow KiwiSaver Scheme
      • Pie KiwiSaver Scheme Review
      • Kernel KiwiSaver Review
      • Kernel KiwiSaver Plan vs Superlife KiwiSaver Scheme
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • SBS Wealth KiwiSaver Scheme Review
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • GoalsGetter KiwiSaver Scheme
      • Pathfinder KiwiSaver Review
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
      • KiwiSaver Calculator
      • KiwiSaver Returns Calculator
  • Business
    • Compare Business Loans
      • Business Line of Credit
      • Business Borrowing Options
      • Small Business Loans
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Car Loan Repayment Calculator
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
      • Taxi (Business Funding) Review
    • Business Insurance
      • Public Liability Insurance
      • Professional Indemnity Insurance
      • Business Interruption Insurance
    • Wise Business Account Review
    • Business Credit Cards
    • Business Essentials
      • Money Saving Tips For Businesses
      • Get Debtors to Pay Overdue Invoices
      • Working Capital
      • Liquidations and Receiverships
      • Can't Make Payroll Guide
      • Buying out a Business Partner
      • Business Brokers
    • PAYE & Taxes
      • PAYE Calculator
      • PAYE Tax Rates 2025 & 2026
      • Minimum Wage
      • Tax Codes in New Zealand
    • Business Calculators & Resources
      • GST Calculator
      • GST Due Dates 2025
      • Business Loan Calculator
      • ROI Calculator
      • IRR Calculator
      • Internal Rate of Return
      • Percent Off Calculator
      • Profit Margin Calculator
      • Current Ratio Calculator
      • Quick Ratio Calculator
    • Online Services
      • Domain Names
      • Trusted Web Designers
        • Auckland Web Designers
        • Hamilton Web Designers
        • Wellington Web Designers
        • Christchurch Web Designers
        • Tauranga Web Designers
        • Lower Hutt Web Designers
        • Dunedin Web Designers
      • Digital Identity Programs and Online Verification Tools
      • Trusted Auckland SEO Companies
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
      • Retail Security Options and Costs
    • For Startups
      • How to Start a Business in New Zealand
      • Raising Capital
      • Product Market Fit
      • Crowdfunding vs Bank Financing
      • Blackbird vs Movac
      • How to Become an Angel Investor
      • How to Raise Money from Angel Investors
      • Alternatives to VC Funding
      • Hiring for a Startup
      • VCFO (Virtual CFO)
      • New Zealand Startup and Founder Incubators
      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
      • 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
      • Best Electric Cars
      • Buyer’s Guide for the 2023 Toyota Hilux
      • Buyer’s Guide for the 2023 Toyota RAV4
      • Buyer’s Guide for the 2023 Ford Ranger
    • Warrant of Fitness
      • Guide to Warrant of Fitness
      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
      • Warrant of Fitness Tauranga
      • Warrant of Fitness Lower Hutt
      • Warrant of Fitness Wellington
      • Warrant of Fitness Christchurch
      • Warrant of Fitness Dunedin
  • Law
    • Wills Guide
    • Separation Agreements
    • Prenuptial Agreements
    • Divorce Guide
    • Trusts Guide
    • Enduring Power of Attorney Guide
    • Living Wills Guide
    • Probate
    • Agreeable Review
    • Footprint Online Wills Review
    • Perpetual Guardian
  • Travel
    • Moving Overseas
      • Working Holiday Visas
      • Working Holiday Visas for 30+ Year-Old New Zealanders
      • Moving to Australia
      • Moving to London
    • Air New Zealand Specific
      • Air NZ Upgrade Guide
      • How to Redeem Air New Zealand Airpoints Dollars
      • Fastest Way To Earn Air NZ Status Points
      • Air New Zealand Koru Membership Review
      • Airpoints Flexipay Guide
      • Air New Zealand Travel Tips
      • Air New Zealand Refunds & Credits
    • Lounges, Upgrades, Car Hire & More
      • How to Get Access to Airport Lounges
      • Air New Zealand Skycouch Review
      • No Nonsense Upgrade Guide
      • Car Rental Hire
      • Auckland Airport Car Parking
    • Best of New Zealand
      • Auckland Travel for Less
      • 100+ Free Things to do in Auckland
      • Queenstown Like a Local
    • Hotels & Dining
      • Accor Plus Review
      • First Table Guide
      • Hotel Booking Sites Compared
    • Foreign Currency Exchange
      • Currency Converter
      • Australian Dollars Exchange Rate
      • American Dollars Exchange Rate
      • British Pound Exchange Rate
      • Canadian Dollars Exchange Rate
      • Euro Exchange Rate
      • Fijian Dollars Exchange Rate
      • Hong Kong Dollar Exchange Rate
      • Korean Won Exchange Rate
      • Indian Rupee Exchange Rate
      • Japanese Yen Exchange Rate
      • Malaysian Ringgit Exchange Rate
      • South African Rand Exchange Rate
      • Singapore Dollars Exchange Rate
      • Thai Baht Exchange Rate
      • Chinese Yuan Exchange Rate
  • Travel Insurance
    • Compare Travel Insurance
    • AMEX Airpoints Platinum Travel Insurance Review
    • Travel Insurance by Destination
      • Australia and the Pacifc
        • Australia Travel Insurance
        • Fiji Travel Insurance
        • Rarotonga Travel Insurance
      • Asia
        • Bali Travel Insurance
        • China Travel Insurance
        • India Travel Insurance
        • Japan Travel Insurance
        • Malaysia Travel Insurance
        • Singapore Travel Insurance
        • South Korea Travel Insurance
        • Thailand Travel Insurance
        • Vietnam Travel Insurance
      • Americas & Africa
        • Canada Travel Insurance
        • Peru Travel Insurance
        • South Africa Travel Insurance
        • USA Travel Insurance
      • Europe
        • France Travel Insurance
        • Greece Travel Insurance
        • Italy Travel Insurance
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    • Reviews
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  • Banking & Savings
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  • KiwiSaver
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  • Travel Insurance
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  • Power
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  • Essential Money Tips
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    • Valuable Insights
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  • Financial Independence
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  • Life Essentials
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  • Trade Services
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    • Hamilton Trade Services
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How to Manage Higher Mortgage Payments

The era of cheap money is over. With New Zealanders facing much higher interest rates as cheap fixed deals end, our guide explains everything you need to know to make ongoing mortgage costs affordable.
How to Manage Rising Interest Rates and Mortgage Payments NZ
Updated 9 August 2023
Summary:
  • New Zealand has experienced a period of low-interest rates since 2008. As a result, mortgage rates have been steadily falling from 2008 to 2020.
  • This situation has meant that cheap mortgage rates and rising house prices are the only outcomes many first-home buyers have ever known.
  • However, recent economic indicators suggest that 7%+ mortgage rates are on the long-term horizon.
  • This scenario can be a concerning prospect for many New Zealanders, particularly those who have taken out a mortgage or are considering taking one out shortly. For many, rising interest rates will be a financial shock. This Nelson story in early 2023 shows the dangers of big mortgages coming off cheap rates and crippling home owners financially.
  • Our guide explores the potential impact of rising interest rates and increased mortgage repayments, and provides tips and strategies to mitigate these impacts.We also list the top facts you need to know and frequently asked questions.

Our guide covers:
  • Who do Rising Interest Rates Affect?
  • What Can New Zealanders do to Position Themselves for Rising Mortgage Repayments?
  • Must-Know Facts about Rising Interest Rates and Increasing Mortgage Costs
  • Frequently Asked Questions

Related guides:
  • For a more comprehensive breakdown of money-saving tips and must-know facts, check out our definitive guide to how to handle rising interest rates.
  • Our list of tips to save money on household bills and reduce the costs of car ownership further explain saving opportunities.

Know This First: If you're concerned about the impact of rising interest rates, there are many steps you can take to position yourself for this scenario. Some strategies to consider include the following:
  • Pay off your mortgage as fast as possible: By making additional payments, you can pay off the balance more quickly and save on interest.
  • Shop around for a mortgage with a fixed interest rate: If you're taking out a mortgage, consider choosing a product with a fixed interest rate rather than a variable rate. This fixed rate will guarantee your monthly payments stay constant, even if interest rates rise. You may want to fix for as long as possible even if there's potential downside from interest rates falling during your fixed term.
  • Review your budget and consider making cutbacks: If you're worried about the impact of rising interest rates on your budget, take a close look at your spending and see if there are any areas where you can cut back. This reduction could involve reducing your non-essential spending or saving on your monthly bills.
  • Build an emergency fund: An emergency fund can help weather financial storms, such as unexpected expenses or income loss. If you don't already have one, consider setting aside some money in a savings account that you can use in a pinch.

MoneyHub Founder Christopher Walsh outlines why mortgage costs are rising:

"Several factors can contribute to rising interest rates. Some of the top reasons include the following:
  • Inflation: When the cost of goods and services increases, the reserve bank may decide to raise interest rates to curb inflation and keep it under control. This is known as OCR decisions, and can be viewed on the Reserve Bank's website.
  • Economic growth: If the economy is growing faster, the Reserve Bank may decide to raise interest rates to slow the pace of growth and prevent it from overheating.

"Inflation and economic growth have been exacerbated by the 2021-2022 COVID-19 response, forcing the New Zealand government to steeply lower interest rates to alleviate stress on the financial system, drastically increasing government borrowing, inflation and overheating the economy. The consequences of this monetary stimulus (through lower interest rates) are that the Reserve Bank of New Zealand (RBNZ) has to take steps to cool off inflation (namely through increasing interest rates)".

"It doesn't take long to increase inflation, but unwinding it can be problematic and there's no guarantee that the tools to do it will work. This means high interest rates are likely to be the new normal this decade".
MoneyHub Founder Christopher Walsh
Christopher Walsh
MoneyHub Founder


How to Manage Rising Interest Rates and Mortgage Payments NZ

Who do Rising Interest Rates Affect?

Rising interest rates can impact a wide range of individuals and businesses. Some of the groups that are most likely to be affected include:
  1. Homeowners: If you have a mortgage, rising interest rates will likely lead to higher monthly payments, as the interest rate on your mortgage will increase.
  2. Business owners: If you own a business, rising interest rates may make it more expensive to borrow money by way of a business loan, which affects cash flows and profitability.
  3. Investors: Rising interest rates may lead to lower returns if investments are tied to interest rates (such as bonds).
  4. Everyday New Zealanders: The cost of everyday food and groceries will typically increase as the interest rates on the debt that businesses have borrowed steadily increase, and prices increase in an effort to generate cash to service the debt.

What happens to mortgage interest rates when interest rates rise?

Mortgage interest rates are typically tied to the Reserve Bank of New Zealand's (RBNZ) benchmark interest rate. When the RBNZ raises its official cash rate, mortgage interest rates will likely increase. The increase will depend on several factors, including the type of mortgage you've, the lender, and the terms of your mortgage.

Why are rising interest rates bad?

There are several reasons why rising interest rates can be concerning for individuals and businesses. Some of the major negative impacts include:
  • Increased monthly mortgage payments: If you have a mortgage, rising interest rates will lead to higher monthly payments, which could strain your budget.
  • Higher borrowing costs: If you need to borrow money (for example, to start a business or buy a car), higher interest rates will make it more expensive.
  • Decreased investment returns: If investments are tied to interest rates (such as bonds), rising interest rates may lead to lower returns.

How to Manage Rising Interest Rates and Mortgage Payments NZ

What Can New Zealanders do to Position Themselves for Rising Mortgage Repayments?

​If you're concerned about the impact of rising mortgage repayments on your budget and everyday finances, there are several strategies to help manage this. Some options to consider include the following:

1. Mortgage-Specific Suggestions:

How to Manage Rising Interest Rates and Mortgage Payments NZ

Refinancing your mortgage.

If you've got a variable-rate/floating mortgage and are worried about rising payments, you may want to refinance your mortgage to a fixed-rate mortgage when your term expires. Swapping to a fixed-rate mortgage will give you more certainty about your monthly payments, but it's important to remember that if you break a mortgage early, there will usually be fees.
How to Manage Rising Interest Rates and Mortgage Payments NZ

Renegotiating your mortgage.

If you have a fixed-rate mortgage, you might be able to negotiate with your bank to reduce your interest rate. This negotiation could involve extending the term of your mortgage (for example, from 25 to 30 years), or making other changes to the terms of your loan, such as moving some of the loan to an offset account.

Know This: It's a good idea to forecast how increases in interest rates will impact your living costs and mortgages and create a plan to help you manage higher forecasted mortgage repayments.
How to Manage Rising Interest Rates and Mortgage Payments NZ

Consider making more frequent mortgage payments to mitigate the impact of rising interest rates.

Making frequent mortgage payments can help mitigate the impact of rising interest rates, allowing you to pay off your mortgage quicker and save on interest.

Video explainer: MoneyHub's Head of Research, Christopher Walsh, explains how moving to weekly or fortnightly repayment saves interest costs overall. Our mortgage repayment calculator helps you get a handle of the numbers and payments you'll need to make.

2. Increasing Disposable Income:

How to Manage Rising Interest Rates and Mortgage Payments NZ

Picking up a second job or side hustle.

If you're struggling to make your mortgage repayments, you might be able to earn extra income by taking on a second job or starting a side hustle. This second job could temporarily boost your income, which can help you stay afloat during a challenging financial period.

Our guide to side hustles has many helpful ideas.
How to Manage Rising Interest Rates and Mortgage Payments NZ

Renting out a room or space.

If you've got a spare room in your home, you may be able to rent it out to generate extra income to help with mortgage payments. Renting out your room can be a good option if you can find a reliable tenant and are comfortable sharing your home with someone else.
How to Manage Rising Interest Rates and Mortgage Payments NZ

Taking out short-term loans from family or friends.

If you're in a rough spot and need some extra money to help with mortgage payments, you may be able to borrow from family or friends. However, it's important to note that this can be risky, as you may risk your relationships if you cannot repay the loan.

Our guide to lending money to friends and family
How to Manage Rising Interest Rates and Mortgage Payments NZ

Borrowing on credit.

In some instances, you may be able to borrow on credit to help with mortgage payments. This borrowing could involve taking out a personal loan, using a credit card, or drawing down on the equity in your home (also known as a home equity loan). However, it's important to remember that borrowing on credit can be risky, leading to further debt if you cannot make your payments.
How to Manage Rising Interest Rates and Mortgage Payments NZ

Selling down non-essential assets.

If you've non-essential assets that you no longer need or use, you may be able to sell them to generate some extra cash. For example, this sell-down could involve selling jewellery, electronics, or even a second car.
How to Manage Rising Interest Rates and Mortgage Payments NZ

Consider a reverse mortgage.

If you've built up more equity in your home in the past and are struggling with short-term living costs, you may want to consider a reverse mortgage if necessary. A reverse mortgage allows Kiwis to tap into the equity in their home and help with expenses. Still, it's important to consider the risks and consequences before making this decision. Reverse mortgages will increase your mortgage balance and mean you owe more to the bank. Additionally, you'll incur more interest expense due to the higher mortgage balance. If you're considering a reverse mortgage, make sure you fully understand the ramifications of this. Talking to a financial advisor in this circumstance can be a good idea. For a comprehensive breakdown of financial advisors in New Zealand, check out our guide here.
How to Manage Rising Interest Rates and Mortgage Payments NZ

Seeking financial assistance.

If you're struggling to meet your mortgage payments due to rising interest rates, you may be able to seek financial assistance from government programs or non-profit organisations. For example, the Home Equity Release Scheme allows Kiwis to tap into the equity in their homes to help with expenses. Programs are also available to help homeowners at risk of default or foreclosure. It's important to carefully consider which options are right for you and ensure you understand the terms and conditions of any assistance you receive.

3. Reduce Non-Essential Outgoing Costs:

How to Manage Rising Interest Rates and Mortgage Payments NZ

Freezing KiwiSaver contributions.

If you're a member of KiwiSaver, you may be able to temporarily freeze your contributions to free up more money for mortgage payments by way of a saving suspension. However, it's important to remember that this will reduce your retirement savings, so it's important to evaluate the long-term costs before making this decision.
How to Manage Rising Interest Rates and Mortgage Payments NZ

Withdrawing your KiwiSaver.

In some cases, you may be able to withdraw from KiwiSaver to help pay for your mortgage or other expenses under a hardship application. However, it's important to remember that this will reduce your retirement savings, and you may need to pay tax on the withdrawal. KiwiSaver providers assess all hardship applications; if you have any questions, check with your provider before making a decision to apply.
How to Manage Rising Interest Rates and Mortgage Payments NZ

Freezing student loan payments.

If you have a student loan, you may be able to freeze your payments if you're experiencing financial hardship. This freeze could provide temporary relief, but it's important to remember that the loan will still accrue interest during this time.

The IRD's guidance makes it clear - you can go to your student loan account in myIR and select 'Apply for a reduced deduction rate'. This is also available in the 'More' section of your student loan account.
How to Manage Rising Interest Rates and Mortgage Payments NZ

Balance transfers for credit cards.

If you have credit card debt, you may be able to take advantage of balance transfer offers to reduce your monthly payments. This transfer involves transferring your balance to a new credit card with a lower interest rate, but it's important to remember that there may be fees associated with this process.

​Balance transfers can be a useful option for reducing what you spend on credit card interest and repayments. If you have personal debt alongside your mortgage, transferring your balance to a new credit card with a lower (or zero) interest rate will lower your monthly payments and save on interest. This can give you more room to meet mortgage repayments while letting you formulate a plan for paying down the personal debt without oppressive interest costs.
How to Manage Rising Interest Rates and Mortgage Payments NZ

Cutting down on non-essential spending.

One way to free up more money for mortgage payments is to cut back on non-essential spending. This reduction in spending could involve cancelling subscriptions, cutting dining out, or saving on monthly bills. For the definitive list on how to reduce your household bills, check out our guide to Saving on Household Bills.

Where can I learn more about my options for dealing with rising interest and mortgage rates?

Several resources are available to help you understand your options for rising interest rates and mortgage payments. Some options to consider include the following:
  • Seeking budget advice from a mortgage broker: If you've previously worked with a mortgage broker and are struggling with repayments, we suggest contacting them to ask about your options. Their focus will be to keep you in your home, and can help you understand your options and make the best decision.
  • Contacting your bank/lender: Your lender may be able to provide you with information about options for dealing with rising mortgage payments, such as a temporary payment break or a change to the terms of your loan.
  • Analysing data from government agencies and financial institutions: Several government agencies and financial institutions provide information and resources related to rising interest rates and mortgage payments. For instance, the Reserve Bank of New Zealand (RBNZ) and the Ministry of Business, Innovation and Employment (MBIE) have websites that provide information and resources related to these topics.
  • Reading articles and blog posts: Much information about rising interest rates and mortgage payments can be found online. By reading articles and blog posts written by experts in these areas, you can better understand your options and how to manage the impact on your budget.

How to Manage Rising Interest Rates and Mortgage Payments NZ

Must-Know Facts about Rising Interest Rates and Increasing Mortgage Costs

Our list of must-know facts below walks you through what's important and what makes a difference to your ongoing mortgage costs.
How to Manage Rising Interest Rates and Mortgage Payments NZ

Fixed-rate mortgages are impacted much less than variable-rate mortgages as interest rates rise.

If you're on a variable-rate mortgage, your monthly payments will likely increase if the OCR increases. If you have a fixed-rate mortgage, your monthly payments will not be affected by changes in the OCR, but rising mortgage rates may still impact you if and when you need to refinance or take out a new mortgage.
How to Manage Rising Interest Rates and Mortgage Payments NZ

The New Zealand housing market is much more susceptible to changes in mortgage rates compared to offshore markets.

Unlike overseas housing markets, the majority of mortgages in New Zealand are set up as short-term (one to two-year) fixed-rate mortgages, making any interest/mortgage rate rises significantly more severe/impactful. This severity exists because New Zealand lenders typically only offer fixed-rate loans up to five years (unlike places like the United States that offer 20 or 30-year mortgages).

This short mortgage term relative to offshore mortgage markets means that more New Zealanders have to re-fix their mortgages more often over the course of having a mortgage, which means more fluctuations in ongoing mortgage payments than those in the US who can 'set and forget' with 20+ year terms.
How to Manage Rising Interest Rates and Mortgage Payments NZ

The longer your mortgage is fixed, the longer you'll have before interest rates impact you.

One way to mitigate the impact of interest rate rises on your mortgage is to fix your mortgage for a longer period. The longer your mortgage is fixed, the longer you'll have before interest rates impact you. For example, if you fix your mortgage for five years instead of two, you'll have more time to prepare for and manage any increases in interest rates.

Know This: Many New Zealanders fixed for three or five-year terms in 2019 and missed the entire 2020-2022 low-interest period, only to need to re-fix at higher rates. No one can predict what will happen with mortgage rates - as long as you can comfortably afford the ongoing repayments month after month, that's all that matters. In some periods of interest rate movements you'll get a 'deal', while at other times you may feel as if the timing is bad. Again, what matters most is affordability.
How to Manage Rising Interest Rates and Mortgage Payments NZ

Create a plan to help you manage higher forecasted mortgage repayments.

It's smart to create a plan to help you manage higher forecasted mortgage repayments. This plan may involve reducing spending on non-essential expenses, taking on a second job, or seeking financial assistance from government programs or charities. It's also a good idea to carefully consider your options and contact a mortgage broker to determine what strategies are right for you.

For a comprehensive, interactive tool to forecast what your mortgage repayments are likely to increase to, check out our mortgage calculator.
How to Manage Rising Interest Rates and Mortgage Payments NZ

Consider Debt consolidation.

As interest rates rise, it's not just mortgage costs that increase. Personal lending becomes more expensive. Debt consolidation can be an option if you struggle to manage multiple debts. By consolidating your debts into one loan, you may be able to lower your monthly payments and simplify your finances. However, it's important to remember that debt consolidation can be complex and may not be the right option for everyone.

Important: Be careful of future borrowing.
  • If you're worried about making ends meet due to rising interest rates, be careful of future borrowing.
  • This caution may involve avoiding additional debt or only borrowing what you can afford to repay.
  • It's also a good idea to maintain good saving and spending habits, such as creating a budget and sticking to it, to help you manage your finances effectively. We also suggest budgeting apps as a way to familiarise yourself with your money and make it go further.
How to Manage Rising Interest Rates and Mortgage Payments NZ

If you’re worried about making ends meet, try to cut back on non-essential expenses or sell non-essential assets.

  • Selling down non-essential assets can be a way to generate extra income to help with mortgage payments. Our guide to selling unwanted items on Trade Me has further details.
  • If you decide to sell down assets, it's important to carefully consider the potential consequences and ensure you understand the risks and costs associated with the sale - only sell what you don't need and don't use.

How to Manage Rising Interest Rates and Mortgage Payments NZ

Frequently Asked Questions

Managing rising interest rates and higher mortgage payments create a lot of financial pressures - our list of common questions below offers some assistance with specific questions. We want every MoneyHub guide to be as comprehensive as possible; if there's something you'd like covered, please contact our research team.

Will my mortgage payments go up if interest rates rise?

If you're on a variable-rate mortgage, your monthly payments will likely increase if the Reserve Bank's benchmark interest rate (OCR) increases. If you have a fixed-rate mortgage, your monthly payments will not be affected by changes in the OCR, but rising mortgage rates may still impact you if and when you refinance after your term expires, or if you take out a new mortgage.

Can I do anything to reduce the impact of rising interest rates on my mortgage payments?

Some strategies you can consider to reduce the impact of rising interest rates on your mortgage payments include refinancing to a fixed rate mortgage, negotiating with your lender to reduce your interest rate, extending your mortgage term, increasing the payment frequency on your mortgage to reduce the interest rate costs (e.g. moving from monthly to fortnightly or weekly), and cutting back on non-essential spending to free up more money for mortgage payments.

What can I do if I can't make my mortgage payments due to rising interest rates?

If you cannot make your mortgage payments due to rising interest rates, it's important to act quickly and seek help.
  • The first thing you should do is contact your lender and explain your situation. They may be able to offer you some options to help, such as a temporary payment break or a change to the terms of your loan.
  • It's also a great idea to seek advice from a professional, such as a budget advisory service, as they can help you understand your options and help you make the best decision for your situation.
  • Know This: If you cannot make your mortgage payments, it's important to act quickly, as failing could lead to serious consequences, such as default and a mortgagee sale. Banks are not reluctant to recover their money and will do so without delay once a mortgage is in default. For this reason it's critical to talk to your lender as soon as possible.

Can I withdraw from KiwiSaver to help pay for my mortgage?

In some cases, you may be able to withdraw from KiwiSaver to help pay for your mortgage or other expenses. However, it's important to remember that this will reduce your retirement savings, and you may need to pay tax on the withdrawal. In addition, this option is only available in certain circumstances, such as financial hardship, so it's important to check with your provider before making this decision.

Our guide to KiwiSaver Hardship Withdrawals has more information.

Can I freeze my student loan payments if I have trouble paying my mortgage?

​If you're experiencing financial hardship, you may be able to freeze your student loan payments. This freeze could provide temporary relief, but it's important to remember that the loan will still accrue interest during this time. It's also important to consider whether this option is right for you, as it could impact your credit score and make it more difficult to borrow money in the future.

The IRD's guidance makes it clear - you can go to your student loan account in myIR and select 'Apply for a reduced deduction rate'. This is also available in the 'More' section of your student loan account.

Can I freeze my KiwiSaver contributions if I have trouble paying my mortgage?

Yes - all KiwiSaver members who have made a contribution and have been a member for 12 months or more can have a savings suspension. You don't need to provide a reason. You can take a savings suspension of between 3 months and 1 year, but there's no limit to the number of times you can take a savings suspension.

It's also important to remember that freezing your contributions will reduce your retirement savings, and you should carefully assess whether this is the right decision for you.

Our guide to KiwiSaver Savings Suspensions has more details.

Are there any risks to freezing KiwiSaver contributions or withdrawing money from KiwiSaver to help with mortgage payments?

There are risks to freezing KiwiSaver contributions or withdrawing from KiwiSaver to help with mortgage payments. For example, freezing or making a lump sum withdrawal of your contributions will reduce your retirement savings. However, given the urgent need to make mortgage repayments on time, it's reasonable to focus on the short-term.

Are there any risks to borrowing on credit to help with mortgage payments?

​Borrowing on credit to make mortgage payments can be risky, leading to further debt if you cannot make your payments. It's important to consider whether this option is right for you and ensure you understand the terms and conditions of any loan or credit product you're considering. Our view is borrowing at, for example, 15% p.a. to pay down a 7% p.a. mortgage debt has risks later on when you need to start making repayments.

Is it good to sell down non-essential assets to help pay for my mortgage?

Yes - selling down non-essential assets can be a purposeful way to generate extra cash to help pay for your mortgage or other expenses. However, it's important to carefully consider whether this option is right for you, as it may not be possible to replace these assets in the future and it may cost more to buy them back later if you need them.

Know This: You should explore other options, such as cutting back on non-essential spending or taking on a second job, before deciding to sell assets.

Is it a good idea to take out a short-term loan from family or friends to help with mortgage payments?

​Taking out a short-term loan from family or friends can be risky, as it may put your relationships at risk if you cannot repay the loan. Therefore, it's important to consider whether this option is right for you and ensure you've got a clear plan for how you will repay the loan. It might also be a good idea to explore other options (cost cuts and second jobs etc.) before deciding to borrow from family or friends.

Will rising interest rates affect my investments? Can I do anything to protect my investments from rising interest rates?

Interest rate rises may have an impact on your investments, depending on the type of investments you've. For example, rising interest rates may lead to lower returns if investments are tied to interest rates (such as bonds). On the other hand, if you've investments that are not tied to interest rates (such as shares and managed funds), rising interest rates may not have as much of an impact on your returns.
​
One way to protect your investments from rising interest rates is to diversify your portfolio. This diversification means investing in various asset classes rather than "putting all your eggs in one basket". This diversification can help to minimise risk and maximise returns.

Are government programs available to help New Zealanders cope with rising interest rates and mortgage payments?

Not specifically. ​Several government programs are available to help New Zealanders enter the housing market. For example, the First Home Grant provides financial assistance to help first-time home buyers enter the housing market, and the First Home Loan scheme helps first-time home buyers who don't have a large deposit to buy a home. Given borrowers are being told they can now borrow less given rising interest rates, as this February 2023 Stuff.co.nz article explains, any financial assistance for first home buyers will be appreciated.

For those struggling to make mortgage payments, a Equity Release Scheme, which allows homeowners to access home equity to help with expenses, is an option and is also known as a top up loan. This government website has more details.

Is it a good idea to take on a second job or side hustle to help with mortgage payments?

​Taking on a second job or side hustle can be a way to generate extra income to help with mortgage payments. However, it's important to carefully consider whether this option is right for you, as it may be time-consuming and not financially feasible. It's also a good idea to carefully consider the impact on your work-life balance and whether you will have the energy and resources to take on additional work.

For these reasons, it's likely an easier starting point is going to be cutting back on non-essential spending or refinancing your mortgage, before deciding to take a second job or side hustle.

What happens when interest rates rise? How do rising interest rates flow on through to higher mortgage repayments?

​When interest rates rise, the cost of borrowing money increases, which can affect the cost of things like credit card debt and loans. In addition, rising interest rates will cause higher mortgage repayments if your mortgage has a variable interest rate. If you're currently fixed, you may face higher interest rates than you're currently paying which can cause pain when you refinance after your deal expires.

Should I re-fix or switch to variable mortgage rates?

Whether you should re-fix or switch to variable mortgage rates depends on your circumstances and financial goals. It's a good idea to speak to a mortgage broker to determine what option is right for you. For a comprehensive list of mortgage brokers can be found here.

Should I refinance or change mortgage/loan providers?

​Whether you refinance or change loan providers depends on your circumstances and financial goals. It's good to compare your current loan with other options and speak with a mortgage broker to determine the right option. Our fixed vs floating calculator shows you what the overall cost is.

If I think interest and mortgage rates will keep rising, should I break my current fixed-rate mortgage and re-fix for a longer period?

​If you think interest and mortgage rates will keep rising, it may be a good idea to break your current fixed-rate mortgage and re-fix for a longer period. However, it's important to remember that there may be fees and costs associated with breaking your mortgage, and it may not always be the best option.
​Interest rate rises can be related to inflation, as higher interest rates may be used to help curb inflation by making borrowing more expensive. However, several other factors can impact interest rates and inflation, and it's important to consider the broader economic context when analysing these issues.

Related Guides:
  • ​How to Handle Rising Interest Rates
  • How to Inflation-Protect Your Finances
  • 20 Easy Ways to Save LOTS on Household Bills
  • 15+ Must-Know Money Tips for Any Household Moving to a Single Income
  • Cut Driving Costs in New Zealand
  • Save Money on Food
  • Inflation Calculator
  • The Impacts of Inflation in New Zealand
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        • US Extended Hours Trading Explained
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    • Introduction to Investing
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      • Young People and Investing
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      • Guides
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        • Advisers
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        • Investment Scams
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      • Reviews
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    • Alternative Investments and Trading
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      • Guides
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        • Guides
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          • Other Coins
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  • Loans & Finance
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  • Insurance
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      • Reviews & Policy Comparisons
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  • Credit Cards
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    • Reviews
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        • Where is AMEX Accepted?
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        • Qantas Credit Cards
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    • Travel Money By Country
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  • Banking & Savings
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      • Depositor Compensation Scheme (DCS) Explained
    • Savings
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  • Mortgages
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    • Mortgage Brokers
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      • LifeDirect Mortgages Review
    • Buying a Home
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      • NZCB Review
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  • KiwiSaver
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      • Free $500+ Government Money for KiwiSaver
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      • KiwiSaver Must-Know Facts
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      • Pie KiwiSaver Scheme Review
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      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
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      • MAS KiwiSaver Scheme
        • MAS Review
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    • KiwiSaver Calculators
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  • Business
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      • PayPal NZ Account Fees
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    • For Startups
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  • MSD
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    • Food Grants Guide
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  • Motoring
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    • Warrant of Fitness
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  • Law
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  • Travel
    • Moving Overseas
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    • Air New Zealand Specific
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    • Best of New Zealand
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      • Queenstown Like a Local
    • Hotels & Dining
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    • Foreign Currency Exchange
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  • Travel Insurance
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    • Essential Information
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  • Mobile & SIM
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