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 Sell Your House Privately - The Definitive Guide for New Zealand Homeowners

Our guide explains everything you need to know about setting a price, hosting open homes, dealing with potential buyers, negotiating a sale and working with a solicitor.
Selling a House Privately NZ Guide
Updated 6 July 2025

Selling your home without a real estate may seem daunting, but for anyone willing to invest a little time upfront, the process is relatively easy. Additionally, the visibility of TradeMe property listings, the power of a motivated seller (i.e. you) and a good property market will align to create a positive selling experience. This translates into more money for you by way of saving on agents fees and, potentially, negotiating a higher sale price.

To help you know what's involved, our guide covers the process in seven key steps:
  • Step 1: Make Your Home ‘Buyer Approved’ Before You List It
  • Step 2: Organise Effective Marketing
  • ​Step 3: Pre-Arrange the Paperwork (And Make Sure It's Complete)
  • Step 4: Maximise the Efforts of the Open Home
  • Step 5: Pricing Your Home to Sell (And Make a Profit)
  • Step 6: Understand the Importance of a Solicitor
  • Step 7: Selling and Settling

We also cover:
  • Private Sale FAQs
  • Private Sale vs Agent Sale Myth Busting
​
Know this first: 
  • Real estate commission generally ranges from 2.95% to 3.95% of your sale price (up to $400,000, then 2.00% to 2.50% on the remainder of the sale price). Our guide to real estate agent fees and commissions has more information.
  • There are few variations, but generally, the average New Zealand home owner will pay around $15,000 to $25,000 to a real estate agent on their home sale. We estimate the same homeowner can sell their home for around $1,250 to $2,000 (covering TradeMe listing fees, printed materials, signage and smaller one-off expenses). This means the savings are significant.
  • Beyond saving money on real estate commissions, it's arguable that homeowners passionate about their property can sell it for a higher price than even the most experienced real estate agent.
  • Buyers typically respond well to someone who has passion and intimately knows the property. Also, there's no more motivated salesperson than a homeowner.

Table 1 - Real Estate Commission Costs vs Selling Privately

Sale Price
2.95% Commission Cost
​3.50% Commission Cost
Sell Your Home Privately Costs
$300,000
$8,850
$10,500
$1,250 to $2,000
$500,000
$14,750
$17,500
$1,250 to $2,000
$750,000
$22,125
$26,250
$1,250 to $2,000
$1,000,000
$29,500
$35,000
​$1,250 to $2,000
$1,500,000
$44,250
$52,250
$1,250 to $2,000
$2,000,000
$59,000
$70,000
​$1,250 to $2,000
How to Sell Your House Privately NZ

Seven Must-Know Steps for Selling Your Home Privately

Selling your home privately isn't that different from using an agent in terms of the legal process. However, setting a price and being firm in negotiations are often the most difficult for homeowners. The steps and sub-steps below explain everything you need to know.

Step 1: Make Your Home ‘Buyer Approved’ Before You List It

Selling a house privately guide NZ

Declutter as much as possible

Buyers want to envision their belongings in your home. If there’s too much clutter, including too much furniture or too many personal items (such as wall hangings), it makes the home feel stressful. Buyers want empty space so they can picture their items in the home to see if it feels ‘homey’ to them. In every case, "less is more" and it's unwise to stash things in the garage - a homeowner evaluates all areas they see, not just the living spaces.
Selling a house privately guide NZ

Hire a stager or ask a friend for help

Once you've tidied your home and had a sell-down of things you don't need, it's wise to get fresh eyes on your home. Letting someone that doesn’t live in your home help spruce it up means your home can be staged professionally to maximise its market appeal. This involves more than just finishing touches (throw pillows, a pretty rug, or a couple of knick-knacks), home staging can involve furniture switches to complete the look.
Selling a house privately guide NZ

Make quick cosmetic changes

A coat of paint goes a long way. It makes buyers feel as if the home is ‘freshly done.’ Look at other cosmetic issues, such as minor scratches, dings, or areas you can quickly fix and make the home look brand new. Give buyers that move-in ready feeling rather than the ‘I have to do so much work if I buy this’ feeling. Most buyers want a property that's in perfect condition; very few are looking for a DIY project.
Selling a house privately guide NZ

Organise a deep clean

Buyers don't want to see cobwebs, dust or dirty windows. If you're going to get the best possible price for your home, it needs to be spotless. The reality is that many private sellers invest upfront in a professional cleaner. Dirty marks here and there, dusty windows tell a story of a bad maintained place and influence buyers negatively.

Step 2: Organise Effective Marketing

Selling a house privately guide NZ

Get professional photos, even if from a friend

Unless you have an eye for photos, let someone else do it. If you go down the DIY approach, be aware that photos make or break a property listing. You'll need to mimic the images you see on other TradeMe listings by looking to see what works (and what doesn't). Alternatively, hiring a photographer is an added expense, but you're almost guaranteed to be delivered the best results.
Selling a house privately guide NZ

Write a compelling description for your home's online listings

Once your pictures attract a buyer’s attention, they’ll read about your property. Make your description as attractive as possible. Use descriptive words and talk about all areas of the home. Make it so readers can feel themselves in the home from your words alone. Look at (existing) detailed listings and get inspiration from these.
selling a home privately NZ guide

Market the property offline and online

Selling your home takes on-site and online promotion.

For on-site:
  • Signage outside your home is a must. A sign in the ground can be organised cheaply (you can create one online for under $50).
  • You'll also need brochures or information sheets (see the next point) for open home visitors. We believe the best approach is to print a comprehensive Word document with your home's essential information. 
​For online:
  • Listing on a site like TradeMe is essential. The fees range from around $500 to $1,400 depending on the value of the property. 
  • Know this: Only Real Estate agents can list on websites like oneroof.co.nz, homes.co.nz or realestate.co.nz, so be comfortable knowing that TradeMe will be your only online presence. 
selling a home privately NZ guide

Prepare user-friendly and informative information packs

The information packs should include:
  • Details about local schools and shops
  • The closest bus routes
  • A LIM report
  • Information about rates bills
  • It's also a good idea to have a Sale and Purchase Agreement printed out and available for potential buyers to take with them. You can get this from your solicitor. 
  • You can also personalise the pack with a list of your favourite local places to eat, playgrounds and parks.
How to Sell Your House Privately NZ

​Step 3: Pre-Arrange the Paperwork (And Make Sure It's Complete)

selling a home privately NZ guide

Get the documents sorted in advance (and print plenty of copies)

When potential buyers visit your home, you'll come across as trusted and authentic if you can supply the property's paperwork upfront. Many buyers will ask for the documents upfront. 

Specifically - you will need:
  • A LIM report. The scope of a LIM report is best explained here. Buyers want to know if there are erosion, flooding or other issues with your home. You can obtain a LIM report from your local council (for example, Auckland properties are here, Wellington here and Christchurch here). If you live elsewhere, Google "LIM + (your city/town)".
  • Title and Memorandum of Lease. You can order one or the other for $15 each here. When ordering this, you'll need to select "Record of title - Guaranteed Search" for titles, and for a Memorandum of Lease, you'll need to select "other record" and put "Memorandum of Lease" in the "Record Required" field.
  • Sales & Purchase Agreement. Your solicitor can provider this - it will have the standard terms around deposits, unconditional sales and other key information. The best approach is to ask your solicitor for a PDF version.

Step 4: Maximise the Efforts of the Open Home

Selling a Home Privately NZ Guide

Prepare yourself for the open home

The reality is that buyers look at you, not just the home. How do you present yourself? If you look frazzled and overwhelmed, buyers will feel it. The best approach is:
  • Set aside some nice clothes to wear for the big day
  • Visit the hairdresser the day before
  • Welcome everyone who walks in instantly to build confidence and lower any anxiety about crowds
Selling a Home Privately NZ Guide

Prepare your home right before the open home

No matter how much preparation work you put in the home, if it’s untidy, buyers will be turned off. To prepare for every open home, spend a couple of hours dusting, vacuuming and mopping floors. Once that's finished, light a candle, bake some biscuits or brew some coffee, and make the home feel ‘homey.’ ​
Selling a Home Privately NZ Guide

Don’t say ‘no’ to private viewings

Some buyers want a private viewing. It's best to agree to this. Many private sales proceed because potential buyers don’t like to feel the pressure of open home. Buyers want to see your property on their time, not yours. While this may be disruptive, it can generate strong sales interest. To help make the process easier, make sure your home is easily tidied upon demand. 
Selling a Home Privately NZ Guide

Don’t indulge real estate agents showing clients your property

TradeMe listings generate interested buyers - for this reason alone you will almost never need an agent to involve themselves in your private sale. If you do, and their buyer goes ahead, you'll have to pay the agent's fee. It also affects the dynamic as you're negotiating sales price with an agent rather than the buyer directly. To avoid all of this, the best approach is to avoid agents with the confidence that the right buyer will come along.  ​
Selling a Home Privately NZ Guide

Be careful what you say to potential buyers

Only speak facts when talking about your home. Otherwise, you face the risk of buyers claiming misrepresentation later on and walking away from the sale and purchase agreement. If in doubt, it's best not to say anything.
How to Sell Your House Privately NZ

Step 5: Pricing Your Home to Sell (And Make a Profit)

Selling a Home Privately NZ Guide

Follow a simple formula for setting the price

Most people aren't experienced in selling items worth hundreds of thousands of dollars. The best approach is to look at:
  1. The value as listed on PropertyValue.co.nz
  2. Asking prices on TradeMe for neighbouring properties
  3. Recent sales (listed on PropertyValue.co.nz

You can also contact a real estate agent for a no-obligation valuation. Whatever your final number, it's best to ask for a little extra to cover buyer(s) bargaining you down.

Pro Tip: Get familiar with property values in your area; oneroof.co.nz offers fair and reasonable pricing. Investigate what properties sold for in your area recently and look at their listing photos and features. Do those homes have more or less features, better or worse condition, proximity to transport and schools etc? These factors are all important to properly price your home.

Warning: Avoid the risk of underselling your property. The best approach is to know your bottom line. Do not go under it just to get a quick sale. A good idea is to write down the lowest price you'll accept and stick to it. Buyers will negotiate downward (it's expected), but you will lose more by wavering easily. Be firm and confident in your bottom line price. 

If you're still unsure, a registered valuer will give you a price. However, that's an additional cost you may not want to incur. However, a registered valuation will be the same amount that a bank lends to the purchaser on. 
Selling a Home Privately NZ Guide

Important: Don't rush into accepting offers

You'll likely receive offers from prospective buyers via email. Handle these with care - don't rush back to say "yes" if you believe more offers will follow. It's all too easy to accept the first offer only to receive a better offer later (and then have to decline in). Or, worse, sign the Sale and Purchase agreement with the buyer and receive a late offer that's higher than what you've agreed to. By then it's too late to get out of the sale. 

Generally, the best approach is to take things slowly while keeping buyers well-informed about when they'll hear back from you.
How to Sell Your House Privately NZ

Step 6: Understand the Importance of a Solicitor

Selling a Home Privately NZ Guide

Solicitors are an essential cost (and partner) in a private house sale

​Generally:
  1. It's unwise to sell a property without a solicitor. Their expertise is unrivalled and they will handle the legal aspects of the sale. Using a solicitor lets you insert clauses in the Sale and Purchase agreement to allow you to accept unconditional offers even if a conditional offer has been made. Solicitors have your interests at heart and act for you, so let them shape the legal aspects to your favour.  
  2. Once a buyer comes forward, the next step is to forward the buyer's details with your solicitor. This includes their name, contact information, their solicitor’s contact information, and the agreed-upon price. 
  3. It's essential to remember that you can't back out once you've accepted an offer (unless the contract allows it). For this reason, you need to be absolutely certain you're happy with the offer before accepting it. Having your bottom line price written down is important so you can refer to it as you decide whether or not to accept the offer. 
  4. Your solicitor will suggest either a conditional or unconditional Sale and Purchase Agreement (based on the buyer's position). Almost every buyer has pre-conditions (valuations, building reports and securing financing from a bank). Arranging these can take the buyer a couple of weeks.
  5. Once the buyer gives the green light, all parties will sign the Sale and Purchase Agreement. The buyer then makes a deposit with the solicitor. As a seller, you’re protected if the buyer wants to cancel the agreement. ​

Step 7: Selling and Settling

Selling a Home Privately NZ Guide

Final Steps

If your Sales and Purchase agreement is conditional, the sale of your home becomes 'unconditional' when the conditions are satisfied. Your solicitor will handle the following steps:
  1. Hand over the keys. On the settlement date, your solicitor will confirm that the buyer's money has been transferred to the solicitor trust account. Once you're notified this has taken place, you can deliver the keys to the buyers.
  2. Transfer your money. Once the buyer confirms with your solicitor that they have the keys, you'll receive your money. What you get is the agreed sale price less mortgage debt (if any) less the solicitor's fee.

How to Sell Your House Privately NZ

Selling Your Home Privately - Frequently Asked Questions

Few homeowners have experience in selling a home privately. To help anticipate some of the concerns or issues, our FAQs explains useful points.

Should I get to know the buyers during the selling process? ​

Yes - this is one of the best ways to make buyers feel more ‘at home.’ The best approach is to talk to them and find out their reasons for looking for a home. Their presence in your home shows they're interested, so showing them some specifics about the home (i.e. best features, proximity to shops and schools, favourite aspects, some interesting history etc.) will help make a connection. It's also completely authentic as you live in the home, so you're the most knowledgeable and qualified to sell it.

Can I get an estimated house price from a real estate agent?

Yes, it's perfectly acceptable to get a 'no obligation' valuation from an agent. You can find out important things like what the agent thinks of your home and what the agent would charge. If you like the agent and feel as if they can sell it better than you (and/or for a higher price), then you can evaluate this in your decision-making.

What is an unconditional agreement?

Sometimes (not often) buyers enter an agreement unconditionally. This means they sign the contract without any (ways out) of the contract. If they have financing, trust your pricing, and that the home will be worth as much as you say, they may go unconditional which gets you to settling the sale faster. However, in most cases, the contract will state that's it's subject to financing and a building report. This is standard practice throughout New Zealand.

How much can I save by not using a real estate agent?

It varies by area and home price, but on average, sellers save $15,000 to $25,000 (or more) by conducting the sale themselves.

Do buyers use agents to find them properties?

Yes, some buyers exclusively use agents because they are busy or don’t want to be bothered with finding listings themselves. However, this is relatively rare. Many buyers don’t use agents and shortlist properties using TradeMe. If you’re comfortable waiting for the right buyer to come along, it is usually worth the large amount of savings that comes with avoiding an agent altogether. Agents may speak of 'premium buyers', or a 'black book of buyers', but the reality is that it's more of a sales technique.

Can an agent visit my open home and make an offer?

Yes - anyone can visit your open home, unless you arrange viewings by appointment only. If you do appointment-only, you can restrict who visits your property by asking the buyer's intentions first and saying yes or no to a viewing. Nonetheless, agents may bring clients who make an offer. If this happens, they will insist on receiving their standard commission. For this reason, it's important to nurture the leads/interested buyers you generate and not panic later on and running the risk of relying on an agent.

Who provides the Sale and Purchase Agreement after agreeing on a price?

The seller (i.e. you) provides this document. Settled.govt.nz suggests all private sellers get a lawyer or conveyancer to draw up the sale and purchase agreement. It's rare for the buyer's solicitor to provide a Sale and Purchase agreement.

Should I hire a solicitor before receiving an offer?

When selling a house privately, it’s best to have everything in place first rather than 'hunt and gather' on the way. Also, if you have a buyer that wants a streamlined process, having a solicitor in place speeds up the process and makes you look organised. Your solicitor may help you with minor details preparing for your home's listing too. We believe that solicitors offer an invaluable service and earn the fee they charge.

Do I need to get an independent valuation?

No. Some banks may ask buyers to arrange an independent valuation as part of the loan approval process. This is usually the process regardless of whether it's a private sale or sold using a real estate agent. In any case, the buyer pays for the independent valuation to be prepared.

What day and time is best for an open home?

We analysed Google traffic for “open home" and "open homes" searches over the past 90 days. The search term peaks every Saturday, week after week. This fits with the accepted practice of real estate agents primarily hosting open homes on a Saturday. The next question is what time is best on Saturday. A deep dive into data suggests Google traffic for open homes surges in the morning, meaning you're likely to capture potential buyers in the afternoon. Our suggestion is anywhere between 2pm and 5pm. Many people look at a lot of open homes in one day, so you have the opportunity to create an impression when buyers have seen a lot of housing stock by the time they reach your door. 
best time for an open home
Google Data - Saturday proves to be the most popular day for open day research

What's the difference between a 'conditional' and 'unconditional' Sale and Purchase Agreement?

Most home buyers will insist on a conditional sale and purchase agreement and be reluctant to sign an unconditional agreement. But what does this mean? We explain the difference:
  1. Conditional Sale and Purchase Agreement: This is the standard contract and is designed to protect the buyers should there be an issue. The purchase is conditional on the buyers having their mortgage approved, the building inspector's report not flagging any issues, a market valuation report that meets the bank's needs and other minor documents. These documents are organised by the buyers, who also pay the fees. Completing the work typically takes between one and two weeks. Once the buyer and lender are satisfied, the sales process can move forward.
  2. Unconditional Sale and Purchase Agreement: These are quite rare and usually only seen when the seller wants to secure a serious buyer. This means the buyer won't be able to back out, nor will the seller. It's realistic to say unconditional agreements are incredibly rare in New Zealand. ​

How to Sell Your House Privately NZ

Private Sale vs Agent Sale Myth Busting

The claim: "You’ll save $15,000 to $25,000 (and possibly more)"

Myth or true: Based on the high average New Zealand house price, our table analysis above suggests the estimated savings are accurate for the average home. Something to keep in mind is how long it takes to earn that amount of money after-tax. For example, $25,000 is around $37,000 gross. For some people, this is six months' salary. If you're prepared to follow the private sale process, the results (in fee savings alone) can be very financially rewarding. 

The claim: "Agents are not motivated to give you the best price; they like a fast sale so they can service other clients"

Myth or true: It depends on the agent, but let's explain the logic as to why fast sales are better for agents. Negotiating an extra $20,000 more from a buyer is going to earn a real estate agent around $500 to $700, whereas making a sale for a $750,000 house will lead to a $25,000 fee. Furthermore, real estate agents don't earn all their fee - they pay a good percentage to the agency to cover costs. So getting you an extra $20,000 may only be worth around $200 for them (after-tax). By selling privately, you control the process and can set the price and be firm on what you want it sold for.

The claim: "Agents have an exclusive or secret buyers list". 

Myth or true: Agents only make money if someone buys via their agency. Unless you're selling a multi-million dollar home and don't have the time to sell, agents are not necessary, nor do they have exclusive lists. Buyers hunt using TradeMe and are increasingly familiar with the concept of a private sale. 

The claim: "Agents promote properties professionally and better than anyone else". 

Myth or true: Some Agents are good, many are great - but it's arguable that nobody can promote your house better than you can. New Zealanders increasingly respond well when owners talk about the property rather than agents.

Related guides:
  • Real Estate Agent Fees and Commissions
  • Best ​Mortgage Rates
  • Mortgage Calculator
  • Mortgage Brokers
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        • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
        • Investment Scams
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        • Hedging Investments
        • Top Personal Finance Books for New Zealanders
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      • Reviews
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        • Lifetime Retirement Income
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      • Calculators
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    • Alternative Investments and Trading
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      • Guides
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        • Forex Trading Guide
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        • Guides
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          • Decentralised Finance
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          • 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
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            • How to Buy Polkadot in New Zealand
  • Loans & Finance
    • Car Finance
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      • Car Finance Must-Knows Guides
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    • Credit Scores & Interest Rates
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  • Insurance
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      • Reviews & Policy Comparisons
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    • Compare Pet Insurance
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    • Students Insurance
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      • Health Insurance
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        • BMI Calculator New Zealand
      • Income Protection 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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    • Air New Zealand Airpoints Credit Cards
      • Kiwibank Airpoints Cards Ending – Best Replacement Options
      • ANZ vs AMEX vs Westpac Platinum Airpoints Credit Cards
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      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
    • Balance Transfer Credit Cards
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    • Reviews
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        • 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
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        • Cathay Pacific Asia Miles Credit Cards
        • Emirates Skywards Credit Cards
        • RewardPay Review
      • Flight Centre Mastercard Review
    • Guides
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  • Travel Money Cards
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      • Revolut vs Wise - Which Is Better?
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    • Travel Money By Country
      • Top Travel Destinations Where the NZD is Strong Right Now
      • Australia Travel Money
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      • USA Travel Money
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      • United Arab Emirates Travel Money
  • Banking & Savings
    • Banking
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      • 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
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      • Best PIE Term Deposits
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      • Term Deposit Alternatives
    • Guides and Resources
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      • NZ Bank Prefix Codes
    • Reviews
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      • Heartland Bank Review
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      • NZCU Baywide Review
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      • Western Union Review
  • Mortgages
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      • How Much Can I Borrow?
      • Debt to Income Ratios
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      • Mortgage Options
      • Mortgage Cashback
    • Other Mortgage Options
      • Interest-Only Mortgages Guide
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      • Revolving Credit Mortgages
      • Offset Mortgages
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      • Fixed vs Floating Mortgage Rate Calculator
      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
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      • 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
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    • KiwiSaver Contributions & Tax
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      • What's My PIR?
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    • KiwiSaver for Life Events and Specific Situations
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      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
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    • KiwiSaver Schemes
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      • 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
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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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    • Wise Business Account Review
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    • Business Essentials
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      • Business Brokers
    • PAYE & Taxes
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    • Business Calculators & Resources
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    • Online Services
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      • Digital Identity Programs and Online Verification Tools
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      • PayPal NZ Account Fees
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    • For Startups
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      • Hiring for a Startup
      • VCFO (Virtual CFO)
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      • Expanding Offshore
      • New Zealand Invoice Template
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      • Attending the Singapore FinTech Festival
  • MSD
    • Navigating Work and Income Benefits
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    • SuperGold Card Review
    • Disability Allowance
    • MyMSD
    • Community Services Card
    • Hardship Assistance - Urgent Costs and Living Expense Assistance
    • Loans for Unemployed
    • Working for Families Guide
    • Childcare Subsidies in New Zealand
    • Super Rates 2025 and 2026
    • NZ Superannuation in a Nutshell
    • Government Departments Helping New Zealanders Directly
    • Food Grants Guide
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      • Food Banks Auckland
      • Food Banks Northland
      • Food Banks Hamilton Waikato
      • Food Banks Wellington
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  • Motoring
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      • Turners Cars Review
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      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
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      • The Women's Guide to Buying a Car
    • Car Dealerships Explained
    • Everyday Driving
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      • 20 Ways to Make Driving Cheaper
      • Gaspy App Review
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      • AA Membership Review
      • Best Car Batteries
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      • 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
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      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
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      • Warrant of Fitness Christchurch
      • Warrant of Fitness Dunedin
  • Law
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    • Agreeable Review
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    • Perpetual Guardian
  • Travel
    • Moving Overseas
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      • Working Holiday Visas for 30+ Year-Old New Zealanders
      • Moving to Australia
      • Moving to London
    • Air New Zealand Specific
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      • Fastest Way To Earn Air NZ Status Points
      • Air New Zealand Koru Membership Review
      • Airpoints Flexipay Guide
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    • 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
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  • Travel Insurance
    • Compare Travel Insurance
    • AMEX Airpoints Platinum Travel Insurance Review
    • Travel Insurance by Destination
      • Australia and the Pacifc
        • Australia Travel Insurance
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      • Asia
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      • Americas & Africa
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      • Europe
        • France Travel Insurance
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        • UK Travel Insurance
    • Specific Risk Cover
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      • Pregnancy Travel Insurance
    • Travel Insurer Reviews
      • Southern Cross Travel Insurance Review
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      • State Travel Insurance Review
    • Essential Information
      • Basic vs Comprehensive Travel Insurance
      • Health Insurance vs Travel Insurance
      • ACC vs Travel Insurance
      • Australia NZ Reciprocal Health Care Agreement
      • Travel Insurance Excess Explained
      • Claiming on Travel Insurance
      • How to Renew a New Zealand Passport
      • What is TAANZ?
      • Travel Packing List
      • Travel Insurers Directory
      • Travel Insurance Glossary
  • Mobile & SIM
    • Compare Mobile Plans
    • SIM Only Mobile Plans
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    • Apple Watch Buying Guide
    • Spark Mobile Review
    • 2degrees Mobile Review
    • One NZ Mobile Review
    • Kiwi Mobile Review
    • Mobile Data Roaming
    • Saily Review
    • Best iPhone Plans
    • Best Power Banks
  • Broadband
    • Compare Broadband Plans
    • No Contract Broadband
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    • Internet Speed Test
    • Broadband Provider Reviews
      • 2degrees Broadband Review
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      • Electric Kiwi Broadband Review
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      • Mercury 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
      • Genesis Energy Review
      • Globug Review
      • Mercury Review
      • Meridian Energy Review
      • Nova Energy Review
      • Powershop Review
      • Z Energy Power Review
  • Essential Money Tips
    • Must-Read Lists & Tips
      • Fleeced Kiwi Awards 2025
      • 10 Things to Do Differently with Money in 2025
      • 10 Signs You’re in Financial Danger
      • 20 Indicators You're Doing Well Financially
      • 20 Things to Stop Buying to Have More Money
      • 20 Must-Know Money Lessons (Learned From Experience)
      • 20 Frugal Decisions That Often Backfire
      • 20 Money Habits that Keep You Poor
      • 20 Supermarket Ripoffs
      • 20 Ways to Save on Household Bills
      • 10 Hidden and Exorbitant Costs of Living in New Zealand
      • 10 Simple Financial Steps with Massive Future Payoffs
    • Money & Relationships
      • Bailing Out Your Partner Financially
      • Financial Red Flags in a Relationship
      • Don’t Let Supporting Your Adult Children Ruin Your Retirement
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
    • Money & Family
      • Teaching Kids About Money
      • Single Parenting and Money
      • Tips for Families on a Single Income
      • Financial Planning for Children With Disabilities
    • Valuable Insights
      • Why Am I Not Wealthy?
      • Can the Average New Zealander Become a Millionaire?
      • Money Habits Keeping You in the Rat Race
      • 15 Great Things New Zealanders Can be Optimistic About
      • How to Survive a Recession
      • How to Handle Rising Interest Rates
      • Stealth Wealth
      • Wealth vs Well-Being
      • Average NZ Salary by Age
      • Average and Median New Zealand Net Worth by Age 2024
      • Dental Costs
      • Charities in New Zealand
      • Trade Me Alternatives
    • Challenging Economic Conditions
      • Financial Support Resources
      • How to Protect Your Finances from Inflation
      • Impacts of Inflation in New Zealand
      • Layoffs, Redundancies and Restructures - Your Rights and Next Steps
      • Graduating Without a Job
      • Should I Stop Contributing to KiwiSaver?
  • Financial Independence
    • FIRE Guides
      • How Much Money Do You Need to Retire Comfortably in New Zealand
      • Retirement in a Nutshell
      • Retirement Money Drawdown
      • 10 Habits of Quiet Millionaires
      • Financial Freedom by 50
      • How to Maximise Income in Retirement
      • How to Retire Early
      • FIRE Explained
      • The Four Percent Rule
      • Achieving Financial Independence, Faster
      • Five Types of FIRE Plans
      • Getting FIRE’d in New Zealand
      • FIRE and NZ Real Estate
    • FIRE Tools
      • Financial Coaches
      • Budgeting Apps
      • Free Financial Literacy Classes
      • Free Financial Products
      • 50/30/20 Budget Calculator
      • Budget Planner
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