MoneyHub NZ
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  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
          • Stake Black Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Invest Direct Review
        • InvestNow Review
        • Kernel Review
        • Kernel Shares & ETF Investing Review
        • Interactive Brokers
        • Smart Review
        • Catalist Review
      • Comparisons
        • Best Investment Apps
        • Sharesies vs Hatch vs Stake
        • Kernel vs Smart
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Invest Direct and more
        • How Do I Start Investing?
        • Virtual Stocks and Shares Trading Games
      • Guides
        • How to Invest in Shares
        • Investing 101
        • Investing in Vanguard Funds from New Zealand
        • Investing in the US Stock Market from New Zealand
          • How To Buy Tesla Shares
          • How To Buy Apple Shares
          • How To Buy Amazon Shares
          • How To Buy Alphabet Shares
          • How To Buy Netflix Shares
          • How To Buy Microsoft Shares
          • How To Buy Meta Shares
        • How to Invest in the NASDAQ from New Zealand
        • US Extended Hours Trading Explained
        • What Happens If Your Investing Platform Shuts Down?
        • Fractional Shares
        • Transferring Share Portfolios
        • How to Read and Understand a Share Chart
        • NZX in a Nutshell
        • Investing in the ASX from New Zealand
        • Investing in Asian Markets from New Zealand
        • Understand Gross vs Net
        • How to Attend the 2026 Berkshire Hathaway Annual Shareholders Meeting
    • Introduction to Investing
      • Guides
        • Index Funds
        • ETFs (Exchange Traded Funds)
        • Cash Funds
        • Index Funds vs ETFs
        • 10 Ways to Invest in New Zealand
        • Compound Interest Explained
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • Investing in the S&P 500 from New Zealand
        • Popular Retirement Income Products in New Zealand
        • Shares vs ETFs
        • Shares vs Property Investment
        • Dollar Cost Averaging Guide
        • Margin Lending and Loans Explained
        • Borrowing to Invest in Property, Shares or Funds
        • Passive Income Strategies
        • How Wealthy New Zealanders Invest Their Money
        • The Best Way to Invest Inheritance or a Windfall
        • Barefoot Investor-Friendly Financial Products in New Zealand
        • Investment Terms Glossary
        • IPOs
        • Investing in Dividend Shares
        • Common Shareholder Numbers in New Zealand
        • Shorting a Stock
        • Investing vs Trading vs Gambling
        • Investment Strategies for the Time-Poor
        • Advanced Trading Concepts
        • New and Emerging Investment Opportunities and Trends
      • Young People and Investing
        • Investing for Kids
        • Investing For Grandchildren
        • 10 Popular Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
        • Dosh Review
      • Investing Calculators
        • Term Deposit Calculator
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Managed Funds
          • Pathfinder Managed Funds Review
          • Pie Funds Management Review
          • Booster Private Land and Property Fund Review
          • AMP Managed Funds Review
        • Our Favourite Managed Funds
        • Australian Investment Funds
        • Advisers & Wealth
          • 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 Whanganui
          • Financial Advisers Kapiti
          • Financial Advisers Wairarapa
          • Financial Advisers Nelson & Tasman
          • Financial Advisers Christchurch
          • Financial Advisers Dunedin
          • Craigs Investment Partners Review
          • Craigs vs Forsyth Barr vs JBWere
          • Lighthouse Financial Services Review
          • Wealth Advisers Auckland
          • Wealth Advisers Hamilton
          • Wealth Advisers Tauranga
          • Wealth Advisers Napier & Hastings
          • Wealth Advisers Palmerston North
          • Wealth Advisers Lower Hutt & Upper Hutt
          • Wealth Advisers Wellington
          • Wealth Advisers Nelson
          • Wealth Advisers Christchurch
          • Wealth Advisers Dunedin
        • Bank Credit Ratings
        • Depositor Compensation Scheme (DCS) Explained
        • Tax on Investments and Savings
        • Tax Efficient Investing
        • Capital Gains Tax
        • Bright-Line Test
        • Ethical Investing
        • Leading ESG Funds
        • Asset Allocations to Build Wealth
        • Managing Offshore Investments for Returning New Zealanders and Migrants
        • How to Buy and Sell Bonds
        • Buying NZ Corporate Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowdfunding Guide
        • REITs Guide
        • Jasper Review
        • Investing & Personal Finance Podcasts
        • Emergency Funds
        • UK Pension Transfer to New Zealand
        • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
        • Returning to the UK from NZ
        • Spending Your Savings in Retirement
        • How to Take Income from Investments
        • Investment Scams
        • Investing in Recession-Proof Sectors and Asset Classes During a Downturn
        • Hedging Investments
        • Top Personal Finance Books for New Zealanders
        • Top Ten Personal Finance Resources
      • Reviews
        • Simplicity Investment Funds Review
        • Squirrel Review
        • Sharesight Review
        • Lifetime Retirement Income
        • New Zealand Financial Markets Authority (FMA)
      • Calculators
        • Managed Funds Fee Calculator
        • Basis Points Calculator
        • Inflation Calculator
        • Retirement Calculator New Zealand
    • Alternative Investments and Trading
      • Reviews
        • BlackBull Markets Review
        • CMC Markets Review
        • Plus500 Review
        • IG Review
        • TMGM Review
        • CMC Markets vs Plus500 vs IG Markets vs BlackBull Markets
      • Guides
        • How to Invest in Gold
        • How to Invest in Silver
        • Forex Trading Guide
          • Forex Trading Platforms Comparison
          • Forex Trading Tools
          • Forex Trading Courses and Education
          • Forex Regulation
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Copy Trading
      • Cryptocurrency
        • Reviews
          • Easy Crypto Review
          • Swyftx Review
          • Binance Review
          • Easy Crypto vs Swyftx
          • NZDD Review
          • Independent Reserve Review
          • eToro Review
          • Coinbase Review
          • Vault International Bitcoin Fund Review
        • Guides
          • How to Buy Bitcoin in New Zealand
          • Beginner's Guide to Bitcoin and Blockchain
          • Stablecoins
          • Guide to NFTs
          • Bitcoin Wallet Guide
          • Bitcoin Mining
          • How to Sell Bitcoin
          • Bitcoin and Crypto Scams
          • Initial Coin Offerings
          • A Beginner’s Guide to Investing in Cryptocurrencies
          • Decentralised Finance
          • Bitcoin in New Zealand
          • New Zealand Bitcoin Exchanges
          • How to Buy Ethereum in New Zealand
          • Other Coins
            • How to Buy Ripple in New Zealand
            • How to Buy Cardano in New Zealand
            • How to Buy Dogecoin in New Zealand
            • How to Buy Litecoin in New Zealand
            • How to Buy Polkadot in New Zealand
  • Loans & Finance
    • Best Car Finance
      • Loan Types
        • Electric Vehicle Loans
        • Car Loan Refinance
        • Bad Credit Car Loans
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        • Business Vehicle Loans
        • Asset Finance
      • Tools & Calculators
        • Car Finance Calculator
        • Car Loan Amortisation Calculator
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        • Motorcycle and Moped Loan Calculator
        • Asset Finance Repayment Calculator
        • Boat Financing Calculator
      • Resources
        • Car Finance Documents Checklist
        • Car Dealership Finance vs Alternatives
        • Buying a Car Loan vs Personal Loan?
        • Car Loans and Collateral
        • Car Loan Guarantors
        • How to Save for a Car
        • Paying Cash for a Car vs Car Finance
        • Balloon Payments
        • Car Loan Brokers vs Direct Car Finance
      • Car Finance Company Reviews
        • Simplify Loans Review
        • Simplify Car Loans - Real Customer Reviews & Facts
        • Toyota Finance Review
        • Mazda Finance Review
        • MTF Finance Review
        • Simplify vs MTF vs UDC vs Heartland
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • Lending People Review
        • Driva Car Loans Review
      • Car Finance by Vehicle
        • Toyota Aqua Financing Guide
        • Toyota Corolla Financing Guide
        • Toyota HiAce Financing Guide
        • Toyota RAV4 Financing Guide
        • Toyota Hilux Financing Guide
      • Car Finance Add-On Insurance
        • Compare Mechanical Breakdown Insurance
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • PPI (Payment Protection Insurance)
    • Best Personal Loans
      • Loan Types
        • Debt Consolidation Loans
        • Secured Loans
        • Bad Credit Loans
        • Green Loans
        • Dental Loans and Finance
        • Home Renovation Loans
        • Online Loans
        • Cash Advance
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        • Low Income Loans
        • Beneficiary Loans
      • Tools & Calculators
        • Personal Loan Calculator
        • Debt Consolidation Calculator
        • Refinance Personal Loan Calculator
        • Home Renovation Loan Calculator
        • Interest Calculator
      • Lender Reviews
        • Harmoney Loans Review
        • Nectar Review
        • Avanti Finance Review
        • Money Sweetspot Review
        • Save My Bacon Review
      • Credit Health
        • How to Build Credit in New Zealand
        • Credit Scores and Credit Checks
        • Interest Rates Guide
        • Interest Rate Comparison
      • Debt Solutions
        • How to Pay Down Debt Faster
        • Baycorp and Debt Collection
        • The Dangers of Debt Consolidation
        • Using Home Equity for Non-Essential Expenses
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Overview
    • Car Insurance
      • Car Insurance by Vehicle
        • Compare Toyota Aqua Insurance Costs
        • Compare Toyota Corolla Insurance Costs
        • Compare Toyota Hilux Insurance Costs
        • Compare Mazda2 and Demio Insurance Costs
        • Compare Ford Ranger Insurance Costs
        • Compare Nissan Navara Insurance Costs
        • Compare Subaru Legacy Insurance Costs
      • Reviews & Policy Comparisons
        • AMI vs AMP vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
        • Cove Car Insurance Review
        • Cove Car Insurance - Real Customer Reviews & Facts
        • Tower Car Insurance Review
        • Young Driver Car Insurance
        • Trade Me Car Insurance Review
        • Caravan Insurance
      • Car Insurance Guides
        • Third Party Car Insurance
        • How to Get Cheaper Car Insurance
        • Car Insurance Calculator
        • No Claims Bonuses Explained
        • Car Insurance Excess Explained
        • Cheapest Cars to Insure
        • Modifications that Make a Car Uninsurable
        • Car Insurers Directory
        • Car Insurance Glossary
        • Most Stolen Cars
    • Home & Contents Insurance
      • House Insurance
      • House Insurance Calculator
      • Home and Contents Insurance
      • Best Holiday Home and Airbnb Insurance Policies
      • Difficult to Insure Areas
      • Sum Insured Explained
      • Area Replacement vs Sum Insured
      • Natural Disaster House Insurance
      • MAS House Insurance - Real Customer Reviews & Facts
      • Is Your Home an Insurance Risk?
      • Average Cost of Car, House, and Contents Insurance
      • Insuring Old Houses
      • Contents Insurance
      • Renters' Insurance
      • Students Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Insurance Company Financial Strength Ratings
      • Motorbike Insurance
      • Initio Review
    • Life & Health Insurance
      • Compare Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • Life Insurance Explained (Videos)
        • Stepped vs Level Life Insurance
        • Life Insurance Calculator
        • Pre-Existing Medical Conditions
        • Buying Life Insurance Direct vs Using an Insurance Broker
        • Life Insurance Policies - Features and Questions to Ask
        • When To Cancel Or Change a Life Insurance Policy
        • Life Insurance For Smokers and Vapers
      • Health Insurance
        • Health Insurance Explained (Videos)
        • Going to Australia for Medical Treatment
        • BMI Calculator New Zealand
      • Income Protection Insurance
        • Income Protection Insurance Explained (Videos)
        • ACC vs Income Protection Insurance
        • Income Protection Insurance for Self Employed
      • Mortgage Insurance
      • Trauma Insurance
      • Redundancy Insurance
      • Funeral Insurance
        • What to Do When a Spouse or Partner Dies
        • Funeral Costs
    • Travel Insurance
      • Compare Travel Insurance
      • AMEX Airpoints Platinum Travel Insurance Review
      • Travel Insurance by Destination
        • Australia and the Pacifc
          • Australia Travel Insurance
          • Fiji Travel Insurance
          • Rarotonga Travel Insurance
        • Asia
          • Bali Travel Insurance
          • China Travel Insurance
          • India Travel Insurance
          • Japan Travel Insurance
          • Malaysia Travel Insurance
          • Singapore Travel Insurance
          • South Korea Travel Insurance
          • Thailand Travel Insurance
          • Vietnam Travel Insurance
        • Americas & Africa
          • Canada Travel Insurance
          • Peru Travel Insurance
          • South Africa Travel Insurance
          • USA Travel Insurance
        • Europe
          • France Travel Insurance
          • Greece Travel Insurance
          • Italy Travel Insurance
          • UK Travel Insurance
      • Specific Risk Cover
        • Do I Need Travel Insurance?
        • Pregnancy Travel Insurance
      • Travel Insurer Reviews
        • Southern Cross Travel Insurance Review
        • AMI Travel Insurance Review
        • State Travel Insurance Review
      • Essential Information
        • Basic vs Comprehensive Travel Insurance
        • Health Insurance vs Travel Insurance
        • ACC vs Travel Insurance
        • Australia NZ Reciprocal Health Care Agreement
        • Travel Insurance Excess Explained
        • Claiming on Travel Insurance
        • How to Renew a New Zealand Passport
        • What is TAANZ?
        • Travel Packing List
        • Travel Insurers Directory
        • Travel Insurance Glossary
    • Pet Insurance
      • Is Pet Insurance Worth Buying?
      • Cat and Dog Desexing
      • Getting a Kitten
      • Buying a Puppy
      • Pet Euthanasia
      • Vet Costs in New Zealand
      • Dog Vaccination Schedule and Costs
      • Costs of Owning a Cat
      • Costs of Owning a Dog
    • Business Insurance
      • Public Liability Insurance
      • Professional Indemnity Insurance
      • Business Interruption Insurance
      • ACC CoverPlus Extra (CPX) Explained
      • Co-Shareholder Insurance Cover
    • Find a Broker
      • Trusted Insurance Brokers in Wellington
      • Trusted Insurance Brokers in Christchurch
  • Credit Cards
    • Best Credit Cards
    • Rewards and Cashback Credit Cards
    • Credit Cards That Earn Business Class Flights
    • The Best American Express Credit Cards
    • Air New Zealand Airpoints Credit Cards
      • Kiwibank Airpoints Cards Have Ended – Best Replacement Options
      • BNZ Advantage Credit Cards Are Changing (Not Good News) – Best Replacement Options
      • ANZ vs AMEX vs Westpac Platinum Airpoints Credit Cards
      • ANZ Airpoints Visa Platinum vs AMEX Airpoints Platinum
      • Kiwibank Airpoints Platinum Visa vs AMEX Airpoints Platinum
      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
    • Balance Transfer Credit Cards
    • Platinum and Gold Credit Cards
    • Frequent Flyer Credit Cards
    • Travel Credit Cards
    • Interest Free Credit Cards
    • Virtual Debit and Credit Cards
    • Credit Cards That Provide Travel Insurance
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • AMEX Airpoints Platinum - Real Cardholder Reviews & Facts
        • American Express Gold Rewards Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • Where is AMEX Accepted?
        • American Express Free Card vs Airpoints Platinum
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • Valuing AMEX Membership Rewards Points
        • AMEX Dining Collection Program Review
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
        • Qatar Airways Credit Cards
        • Singapore Airlines KrisFlyer Credit Cards
        • Cathay Pacific Asia Miles Credit Cards
        • Emirates Skywards Credit Cards
        • RewardPay Review
      • Flight Centre Mastercard Review
    • Guides
      • Pay Off Credit Card Debt
      • Credit Card Basics
      • Mastercard vs Visa
      • Credit Card Minimum Payments Explained
      • Credit Card Interest Calculator
      • Credit Card Debt Amortisation Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • Best Foreign Currency Debit & Credit Cards
      • Free Credit Cards
      • Low Interest Credit Cards
      • Credit Cards for Bad Credit
      • Q Card & Q Mastercard Review
      • GEM Visa Review
      • Onecard Visa Review
      • Purple Visa Review
  • Travel Money Cards
    • Travel Money Card Reviews and Comparisons
      • Wise Debit Card Review
      • Revolut Review
      • Revolut vs Wise - Which Is Better?
      • Travelex Money Card vs Wise Debit Card Comparison
      • OneSmart Card vs Wise Debit Card Comparison
      • Cash Passport vs Wise Debit Card Comparison
    • Travel Money By Country
      • Top Travel Destinations Where the NZD is Strong Right Now
      • Australia Travel Money
      • Bali Travel Money
      • Canada Travel Money
      • China Travel Money
      • Europe Travel Money
      • Fiji Travel Money
      • Japan Travel Money
      • Rarotonga Travel Money
      • Singapore Travel Money
      • South Korea Travel Money
      • Thailand Travel Money
      • USA Travel Money
      • UK Travel Money
      • United Arab Emirates Travel Money
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
      • Open a USD Bank Account from New Zealand
      • Sending Money to Australia
    • Savings
      • Best Term Deposits
      • Best Notice Saver Accounts
      • Booster Savvy Review
      • Booster Savvy Analytics Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Wedge Review
      • Best Savings Accounts
      • Term Deposits vs Cash Funds
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Explained
      • NZ Bank Prefix Codes
    • Reviews
      • Wise Money Transfer Review
      • Heartland Bank Review
      • First Credit Union Review
      • NZCU Baywide Review
      • The Co-operative Bank NZ Review
      • Western Union Review
  • Mortgages
    • Mortgage Essentials
      • Best Home Loans
      • Mortgage Calculator
      • Interest Rate Predictions 2026 & 2027
      • How Much Can I Borrow?
      • Debt to Income Ratios
      • Equity (and Leverage) Calculator
      • Mortgage Repayment Calculator
      • Mortgage Options
      • Mortgage Cashback
    • Other Mortgage Options
      • Interest-Only Mortgages Guide
      • Interest Only Mortgage Calculator
      • Revolving Credit Mortgages
      • Offset Mortgages
      • Offset Mortgage Calculator
      • Fixed vs Floating Mortgage Rate Calculator
      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
      • Low-Deposit Home Loans
      • Rent to Own Homes
      • First Home Loan Guide
      • Reverse Mortgages
      • Lifetime Home Review
    • Mortgage Management
      • Self-Employed Mortgage Applications
      • Interest Rate Strategies
      • Saving for a House Deposit
      • Saving for a House Deposit as a Young Professional
      • Top 10 Areas for First Home Buyers 2025
      • Buying a Home with Family and Friends
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • What To Do if You Bought a House at the Peak of the New Zealand Market
      • Tips for Seniors Renting or Paying Down a Mortgage
      • Remortgaging Guide
      • Mortgage Relief and Holidays
      • Amortisation Calculator
      • Mortgage Break Fees
      • Defaulting on a Mortgage
      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
      • Mortgage Brokers Explained
      • Trusted Auckland Mortgage Brokers
      • Trusted Hamilton Mortgage Brokers
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers on the Kapiti Coast
      • Trusted Mortgage Brokers in Christchurch
      • LifeDirect Mortgages Review
    • Buying a Home
      • First Home Buyers Checklist
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
      • Buying an Apartment in New Zealand
      • Buying vs Renting a House
    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • Every Tax Deduction Property Investors Can Claim
      • Trusts vs LTCs vs Companies
      • Investment Property Mortgages
      • 20 Property Investment Risks You Can't Ignore
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • NZCB Review
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Our Favourite KiwiSaver Funds
      • Best Performing KiwiSaver Funds
      • Milford vs ANZ KiwiSaver Growth Funds Comparison
      • Free $500+ Government Money for KiwiSaver
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • How Aggressive Should KiwiSaver Be
      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Merging KiwiSaver and Australian Super Balances
      • Switching KiwiSaver Funds
      • KiwiSaver Robo and Digital Advice Tools
      • Ethical Kiwisaver Funds
      • KiwiSaver Private Equity Investments
    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
      • KiwiSaver Contributions - Gross or Net?
      • Employer KiwiSaver Contributions
      • Government KiwiSaver Contributions
      • KiwiSaver Savings Suspensions
      • Voluntary Contributions
      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
      • Average KiwiSaver Balance by Age
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
      • Investment Traps to Avoid When Accessing Your KiwiSaver Funds at 65
      • Feijoa Review
    • KiwiSaver Schemes
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • InvestNow KiwiSaver Scheme
      • Pie KiwiSaver Scheme Review
      • Kernel KiwiSaver Review
      • Kernel KiwiSaver Plan vs Superlife KiwiSaver Scheme
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • SBS Wealth KiwiSaver Scheme Review
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • GoalsGetter KiwiSaver Scheme
      • Pathfinder KiwiSaver Review
        • Pathfinder vs ANZ KiwiSaver Growth Funds Comparison
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
      • KiwiSaver Calculator
      • KiwiSaver Returns Calculator
  • Business Loans & Tools
    • Business Bank Accounts
    • Business Credit Cards
      • American Express Gold Business Card Review
    • Compare Business Loans
      • Small Business Loans
      • Prospa Business Loans Review
      • Business Line of Credit
      • Business Borrowing Options
      • Business Loan Calculator
      • Invoice Finance
      • Business Loan Brokers Explained
      • Commercial Vehicle Finance Options
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Car Loan Repayment Calculator
      • Bizcap Business Loans Review
      • Taxi (Business Funding) Review
    • Wise Business Account Review
    • Business Essentials
      • Money Saving Tips For Businesses
      • Get Debtors to Pay Overdue Invoices
      • Working Capital
      • Liquidations and Receiverships
      • Can't Make Payroll Guide
      • Buying out a Business Partner
      • Business Brokers
    • PAYE & Taxes
      • PAYE Calculator
      • Provisional Tax
      • Lighthouse Accounting Services Review
      • PAYE Tax Rates 2025 & 2026
      • Tax Codes in New Zealand
      • Minimum Wage
    • Business Calculators & Resources
      • GST Calculator
      • GST Due Dates 2025
      • ROI Calculator
      • IRR Calculator
      • Internal Rate of Return
      • Percent Off Calculator
      • Profit Margin Calculator
      • Current Ratio Calculator
      • Quick Ratio Calculator
    • Online Services
      • Domain Names
      • Trusted Web Designers
        • Auckland Web Designers
        • Hamilton Web Designers
        • Wellington Web Designers
        • Christchurch Web Designers
        • Tauranga Web Designers
        • Lower Hutt Web Designers
        • Dunedin Web Designers
      • Digital Identity Programs and Online Verification Tools
      • Trusted Auckland SEO Companies
      • Digital Marketing Agencies Auckland
      • Video Production Auckland
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
      • Retail Security Options and Costs
    • For Startups
      • How to Start a Business in New Zealand
      • Raising Capital
      • Product Market Fit
      • Crowdfunding vs Bank Financing
      • Blackbird vs Movac
      • How to Become an Angel Investor
      • How to Raise Money from Angel Investors
      • Alternatives to VC Funding
      • Hiring for a Startup
      • VCFO (Virtual CFO)
      • New Zealand Startup and Founder Incubators
      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
      • Attending the Singapore FinTech Festival
  • MSD
    • Navigating Work and Income Benefits
    • Jobseeker Support Benefit Rates 2025 and 2026
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • SuperGold Card Review
    • Disability Allowance
    • MyMSD
    • Community Services Card
    • Hardship Assistance - Urgent Costs and Living Expense Assistance
    • Loans for Unemployed
    • Working for Families Guide
    • Childcare Subsidies in New Zealand
    • Super Rates 2025 and 2026
    • NZ Superannuation in a Nutshell
    • Government Departments Helping New Zealanders Directly
    • Food Grants Guide
    • Food Banks Directory
      • Food Banks Auckland
      • Food Banks Northland
      • Food Banks Hamilton Waikato
      • Food Banks Wellington
      • Food Banks Christchurch
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    • Pet Insurance
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    • Business Insurance
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  • Credit Cards
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      • ANZ vs AMEX vs Westpac Platinum Airpoints Credit Cards
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    • Reviews
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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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    • Savings
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      • Booster Savvy Review
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    • Guides and Resources
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  • Mortgages
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      • Top 10 Areas for First Home Buyers 2025
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    • Mortgage Brokers
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      • LifeDirect Mortgages Review
    • Buying a Home
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    • Selling a Home
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      • Bridging Finance
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      • Trusts vs LTCs vs Companies
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    • Building a House
      • NZCB Review
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      • Construction Loans
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  • KiwiSaver
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      • KiwiSaver Must-Know Facts
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      • Feijoa Review
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    • KiwiSaver Calculators
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    • For Startups
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  • MSD
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  • Motoring
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    • Warrant of Fitness
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  • Law
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  • Travel
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    • Air New Zealand Specific
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    • Lounges, Upgrades, Car Hire & More
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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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  • Mobile & SIM
    • Compare Mobile Plans
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    • Saily Review
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    • Apple Watch Buying Guide
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  • Broadband
    • Compare Broadband Plans
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    • Internet Speed Test
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      • Skinny Review
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  • Power
    • Compare Power Companies
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    • Electric Vehicle Power Plans
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    • Power Companies
      • Contact Energy Review
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  • Essential Money Tips
    • Must-Read Lists & Tips
      • Fleeced Kiwi Awards 2025
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      • 10 Things to Do Differently with Money in 2026
      • 10 Signs You’re in Financial Danger
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      • 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 Ways to Save on Household Bills
      • 20 Supermarket Ripoffs
      • 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
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      • Tips for Families on a Single Income
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    • 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
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      • Stealth Wealth
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      • Average NZ Salary by Age
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      • Dental Costs
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    • Challenging Economic Conditions
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      • How to Protect Your Finances from Inflation
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      • 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
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      • 10 Habits of Quiet Millionaires
      • Financial Freedom by 50
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      • FIRE Explained
      • The Four Percent Rule
      • Achieving Financial Independence, Faster
      • Five Types of FIRE Plans
      • Getting FIRE’d in New Zealand
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    • FIRE Tools
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      • SortMe Review
    • Repaying Debt
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      • Bankruptcy Guide
    • Tax
      • Beginner's Guide to Tax
      • Salary Sacrifice in New Zealand
      • Tax Bracket Creep
      • Choosing an Accountant
      • Accountants in Auckland
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      • Tax Refunds
  • Life Essentials
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      • Make Money Online
      • Paid Survey Websites Review
        • Ipsos iSay Review
        • Nielsen Homescan Review
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        • Valued Opinions Review
        • Opinion World Review
        • Triaba New Zealand Review
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      • Free Samples
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    • Kids Eat Free
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      • HelloFresh Review
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      • Online Supermarkets
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      • Supermarket Christmas Clubs
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    • Entertainment
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    • Consumer Rights
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    • School Holiday Activities
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    • Shopping Resources
      • 65+ Best Online Shopping Websites in New Zealand
      • Shoe Size Conversion Guide
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      • Temu Review
      • Affordable Online Clothes Shopping
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      • Black Friday New Zealand Deals
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    • Living Essentials
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Search

How to Use Less Power - The Definitive New Zealand Guide

Our tips for using less power include understanding your energy plan, implementing energy-saving habits, considering key building and DIY improvements and installing Smart devices to maximise savings.
Use less Energy NZ
Updated 6 April 2025
Summary
  • Power bills are a constant and unavoidable expense. There are many energy providers in New Zealand, and we've conducted a comprehensive comparison, but regardless of what company you're with, there are many ways you can save on energy, and we outline them in this guide.
  • Some will involve the visit of a professional builder or plumber, but many are small fixes you can carry out yourself and changes to your consumption habits.
  • If you have a smart meter and are on a plan that charges you differently during peak and off-peak times, you can save further by running some of your appliances at night.
  • Know this first: By moving more power off-peak, you're not only reducing the load on New Zealand's national power grid and infrastructure, but you're also more likely to be using electricity from cleaner generation sources as there tends to be less fossil fuel generated electricity in the system overnight.

MoneyHub Founder Christopher Walsh shares his views around saving energy:

"While New Zealand has plenty of renewable power sources, nothing is guaranteed, and droughts can happen without warning - the Auckland floods may be followed in the years to come with no rain at all. Saving power involves adopting simple habits in everyday routines. This helps you lower energy bills and contribute to a more sustainable power supply".

"Saving power is surprisingly easy, and most wins don't involve any upfront cost or discomfort. Best of all, you don't need to minimise shower time or heating to save big - our guide has been published to give you all the options. Small changes in behaviours add up to lower power bills month after month".

Our must-know tips and suggestions are outlined in five categories below:
Christopher Walsh MoneyHub Founder
Christopher Walsh
MoneyHub Founder

moneyhub nz

Understand your energy plan

A good starting point when aiming to save money on energy is to familiarise yourself with the details of the plan you're on and ensure that you are making the most of it.
  • Are you a standard user or a low user?
    First of all, look at your annual energy consumption: Being on a "Low User" plan should yield better rates if your annual consumption falls within this bracket. For example, you are considered a low user if you are in a city north of Christchurch, and your consumption is below 8,000 kWh per annum; if you are south of Christchurch, the threshold is 9,000 kWh. Conversely, if your consumption exceeds those figures, you should be on a "Standard User" plan.
  • Does your plan have different prices depending on when you use energy?
    If your plan offers lower prices during night or off-peak times, you will benefit from using as much energy as possible during these windows. Energy companies call these times by different names, so check if your plan mentions a lower rate for times like "night only", "night", "off-peak", "shoulder off-peak", and weekends. Each company defines these terms differently, so check what hours are covered and schedule your appliances to run or charge at these times. Later in this guide, we will cover how to set up timers and the benefits of scheduling large appliances.
    If your plan has a constant rate throughout the day, you can still save money by using less energy, as described later in this guide.
  • Does your plan offer a time of "free power"?
    ​If your plan offers a free "hour of power", make sure you choose a time that suits you and maximise energy usage during this period.

moneyhub nz

Implement energy-saving habits

General tips
We've put together some useful tips and general habits that can help you save energy and money:

Ventilation tips:
  • On fine days, open windows on opposite sides of your house, even in winter, for at least 20 minutes a day. Wipe away any condensation from the windows to keep the air dry.
  • Don't dry your washing inside the house; this can release up to 5L of moisture per load. If you have to dry them inside, do it in the bathroom or laundry room with the door closed and a window open.
  • Avoid unflued gas heaters (LINK); they can release up to 1L of moisture into the air per hour.
  • Use lids on pots and pans when cooking, and turn on the extractor fan to remove as much moisture as possible.
  • When showering or bathing, turn on the extractor fan and open a window.
  • Shut doors to laundry, kitchen and bathroom to avoid dampness and condensation
  • To prevent mould growth, leave wardrobes and closet doors slightly open.

​Kitchen tips:
  • When cooking, choose a pot or pan that's the appropriate size for what you're doing. For example, don't use a large pot of water to boil a couple of eggs.
  • Don't rely only on the stove and the oven – You can use other appliances that use less energy and get the job done quickly; you can boil water on the kettle much faster than on the stove; part-cook or steam vegetables in the microwave and just incorporate them into a dish; reheat pizza from the day before in the air fryer instead of the oven; use a slow cooker instead of the oven when possible.
  • Do full loads – Whether you're using the oven or the dishwasher, maximise the use. For example, if you're cooking a chicken on the top tray of the oven, don't let the bottom tray go unused: put in some vegetables to go on the side or cook some lasagna for the next day. The same goes for your dishwasher/washing machine/dryer: don't do half loads (unless your machine has a setting for that); always do a full load; otherwise, you're wasting energy. Please be careful not to overload them either, dryers need space for clothes to tumble and dry correctly, and washing machines can only hold a certain capacity.    

​Water usage:
  • Check that your water pressure isn't too high: A shower should use less than 10 litres of water per minute. The CEA recommends this simple test: hold a 2-litre container to your shower head; if it fills up in less than 15 seconds, you should consider switching to a low-flow shower head.
  • Take showers instead of baths, and keep showers to around 5 minutes.
  • Use cold water for rinsing dishes and washing clothes, and use eco settings on your dishwasher and washing machines as much as possible.
  • If you go away for more than three days, turn off your hot water cylinder.

Choosing appliances
When replacing appliances, take into consideration their star rating. Better-rated appliances may be more expensive but can be cheaper to run in the long term. Visit Genless's Efficient Appliance calculator to compare products based on their energy rating.
 
Other:
  • Trim any trees or shrubs that might block the windows on the sunny side of your home
  • Use your curtains: In winter, open them in the morning to let the heat in and close them before sundown; in summer, draw them to keep the heat out.
  • Leave a gap between furniture and walls to avoid mould growth.
  • Use timers on towel rails and heaters, so they are not in use when you don't need them.
  • If your energy company has an app, use it to track your usage and identify opportunities.

Tips per appliance
We've put together several tips on how to save energy by slightly changing your habits, starting with the most power-hungry appliances:
  • Swimming Pool and Spa pumps – Off-peak saving tip: Running your pool or spa pump overnight will keep your pool just as clean, and you will be charged a much lower price than running it at peak times.
  • Hot water cylinder – This is one of the most power-hungry appliances in a home. Insulate the water cylinder and the first 1.5 meters of hot water pipes to prevent heat loss and conserve energy. It is recommended the temperature of your hot water cylinder is set at 60°C (to avoid the risk of Legionella developing) and that the temperature from the tap does not exceed 55°C; you can run the tap and use a regular thermometer to check. If the temperature is higher, ask a professional to adjust your thermostat (if the temperature can't be selected from your water heater directly). Off-peak saving tip: Try showering at night or very early in the morning; the water cylinder will replenish the hot water you've used, and this will be less expensive if it happens during off-peak hours.
  • Electric Vehicles - Off-peak saving tip: Charge your car at night when energy is cheapest and more likely derived from renewable sources.
  • Heat pumps and heaters – Heat pumps are probably the most efficient appliances to warm your home; you don't need to overheat the place, so set your thermostat to a temperature between 18 and 21 degrees. Take out and clean the internal filters for your heat pump once a month when it's in use; you can do this using your vacuum cleaner. Heaters are suitable to warm up smaller rooms; set the thermostat to an appropriate temperature and use the timer if you have one so the heater doesn't run when it's not needed. Off-peak saving tip: heat your house during off-peak hours (before morning peak hours kick in). If your heater doesn't have a thermostat or a timer, you can get a device like a heatermate to control them.
  • Washing machine – Try using cold instead of warm water whenever possible; this will save energy and is also easier on your clothes. Off-peak saving tip: Schedule the machine to run late at night or very early in the morning so that the cycle is completed during the off-peak hours, and you can simply offload the machine in the morning.
  • Dryer – Make sure you don't overload the machine (clothes should have enough room to move around, so they dry properly) and clean the lint filter before every use; this will improve the dryer's performance and leave your clothes free of fluff. Off-peak saving tip: As for the washing machine, try to schedule this to run late at night or early in the morning when the energy is cheaper.
  • Dishwasher – Check if your machine has an option for "Eco mode", as this will likely clean your dishes well enough, try the various modes to see if it gets the job done. Only run the machine when you have a full load. If you constantly put the machine on because you're out of clean dishes and cutlery, you might be better off investing in extra dishes and cutlery so you can always do full loads. Off-peak saving tip: Schedule the machine to run at night when the energy is cheap and offload it in the morning when you wake up.
  • Oven – Ovens and stovetops consume more energy than microwaves, slow cookers and air fryers, so try to use these other appliances instead or in part to speed up the preparation of your meals. For example, if you're cooking a curry, you can quickly steam the vegetables in the microwave instead of boiling or steaming them on the stove. Air fryers are very efficient and suitable for preparing smaller food portions; they are also great for reheating meals. If you use the oven, be mindful of pre-heating temperatures and times, and don't keep the oven hot and empty for long, as it's just a waste of energy. Try to make the most of the space in the oven and cook as much as possible at once; for example, if you're cooking a chicken for tonight, use the other tray for cooking a quiche for tomorrow at the same time.
  • Fridge /Freezer – It is very important to check that the doors to these appliances seal perfectly. You can check the strength of the seal very simply: close the fridge door on a note; if it holds firm, then your seal is fine; if it slips, you should replace it. Also, you should defrost your freezer at least once a year; this will keep it working correctly and let you maximise the space for storing food.
  • Towel rails – Attach a timer to your Towel rail so it's only on when you need it.
  • Desktop computers / TVs / Gaming consoles – Switch them off at the wall if you won't use them for a while; if you leave them on "sleep mode" or "standby", they still use power.
  • Phones / Tablets / Laptops – Off-peak savings: Charge these devices at night when the power is cheaper; consider a smart plug like these to schedule when they charge.
  • Lights – Consider changing your regular lightbulbs to LED lights wherever possible. These are more expensive but last longer and use less energy, so they're a good investment. Powershop has a very detailed and helpful guide on lights.
  • Helpful resources: Trustpower has a comprehensive list of household appliances and their estimated annual cost for an average user.
moneyhub nz

Consider building improvements

  • Insulation: Having a well-insulated house will help you reduce energy costs and lower your carbon emissions. You should start with the ceiling, as this will make the most noticeable impact on reducing your bills by keeping the heat out in summer and preventing it from escaping in winter. Underfloor insulation can be done next, followed by wall insulation, if deemed necessary by a professional.
    The government's website Genless explains the benefits of insulation and how to insulate your house.  
  • Double glazing: Double-glazed windows insulate against heat and cold and can further help you reduce your energy consumption. These windows are a long-term investment but expensive; a cheaper alternative is installing window insulation kits and thermal curtains. We'll cover these in the DIY section of this guide.
  • Ventilation: Ensuring good airflow will help reduce moisture and dampness and make your home easier to heat. If not already, you should have extractor fans installed in bathrooms and range hoods. Subfloor vents should be present on all sides of the house to keep air circulating; this is an issue, especially with older houses, as building standards have been revised in the last few years.
​
You might be eligible for a grant:
If you own and live in a house built before 2008, have a Community Services Card (LINK), or live in an area identified as low-income, you might be eligible for a grant from the Warmer Kiwi Homes Programme. This could cover up to 80% of the ceiling and underfloor insulation or 80% of the cost of an approved heater.
 
Get a free assessment
You can get free advice from the CEA or a free online assessment from Homefit (if you want a visit or a certification that costs $100 to $300).
moneyhub nz

DIY improvements

You can do several things to make your house better insulated, drier and easier to warm or keep cool.
  • Windows: If you don't have double-glazed windows, you can quickly achieve a similar effect by installing insulation film on your single-pane windows. It is estimated that these can reduce glass heat loss by up to 60%. Prices range from $30 to $45 depending on the size, and you can install them easily; all you need is a hairdryer and scissors. You can find them at a hardware store or order online from CEA (The Community Energy Action Charitable Trust). 
  • Curtains: High-quality, lined curtains help you further regulate the temperature in your home by minimising heat loss in winter and keeping out the heat from the sun in the summer. Even if you have double-glazed windows, curtains can make a big difference and make your house more energy-efficient. Genless offers the following advice on choosing curtains: make sure they are double layered with a thick lining, have pelmets above them, are wider than the window frame, fit tightly against the wall or window frame and reach the floor.
    There are curtain banks around the country, and the CEA also provides free curtains. Please consider donating your curtains to these places if they are in good condition. 
  • Draught-proof your home: You can do many small fixes around the house to block draughts, close gaps and keep the warm air inside. You can affix weather strips to your windows, seal doors and window trims and fit draught excluders to the doors. Genless has a whole section on this topic, and Meridian prepared a very good guide on how to eliminate draughts. 
  • Insulate your hot water cylinder: Insulating the hot water cylinder and the pipes around it will diminish heat loss and reduce power consumption. Providing this additional insulation is especially important if your water heater is old, but even newer models will benefit from an extra layer; the CEA estimates wrapping your cylinder can save up to $45 per year (when paying 20 cents /kWh). Cylinder wrap is about $70, and pipe insulation costs about $5 a metre from hardware stores. 
Picture

Smart devices to maximise savings

You can incorporate several gadgets into your home to make it more energy-efficient. The aim is to reduce energy waste as much as possible by scheduling on-times for your devices; you can do this with low-tech mechanical timers or wifi-enabled smart plugs; the choice is yours. These are especially useful if you are on a plan that charges cheaper prices for energy used during the night or off-peak times, but even if you're not, you'll still benefit by reducing your overall consumption.
  • Power point timers: These are simple mechanical timers that you can attach to a power plug and schedule devices to go off at certain times. You can group devices at one time to get all your mobile devices charged for 3 hours at night instead of being plugged in all night. This not only saves energy but also improves battery life. These are widely available from electrical shops.  
  • Smart plugs are Wifi-enabled power plugs that you can fit between the wall socket and any device you want to connect, so you can control "dumb" devices through an app on your phone. With the help of smart plugs, you can schedule when appliances turn on; for example, you can automate charging times for your mobile devices, turn on fans or heaters at certain times, turn on your fairy lights, etc. This Australian website has useful tips on making the most of smart plugs.  
  • Sensors: Consider installing daylight, movement or occupancy-sensor lights where appropriate so that lights are only on when needed. These are especially useful in the garden, driveways and garages.  
  • Thermostats: If your heater doesn't have a thermostat built in or you find that it's not accurate enough, you can attach an external thermostat like heatermate to further manage your heater's performance and reduce its energy consumption.
  • Towel rail timers: Attaching a timer to your towel rail will let you have warm towels when you need them and save energy when you don't.  
  • Generate solar energy: For the ultimate energy optimisation, consider installing solar panels to generate energy for yourself and sell power back into the grid. Powershop has a very detailed guide on this topic.

Further guides and resources:
  • Compare Power Prices
  • Eco Design Advisor
  • Brightr.co.nz
  • Community Energy Action
  • Gen Less
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          • Craigs Investment Partners Review
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        • Bank Credit Ratings
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      • Reviews
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    • Alternative Investments and Trading
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      • Cryptocurrency
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        • Guides
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          • Other Coins
            • How to Buy Ripple in New Zealand
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  • Loans & Finance
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  • Insurance
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    • Pet Insurance
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    • Business Insurance
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    • Find a Broker
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  • Credit Cards
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      • Kiwibank Airpoints Cards Have Ended – Best Replacement Options
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      • ANZ vs AMEX vs Westpac Platinum Airpoints Credit Cards
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    • Balance Transfer Credit Cards
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    • Reviews
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        • Where is AMEX Accepted?
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        • American Express Membership Rewards Program Review
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        • Qantas Credit Cards
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        • RewardPay Review
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    • Guides
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    • Other Credit Cards
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  • Travel Money Cards
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      • Wise Debit Card Review
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      • Revolut vs Wise - Which Is Better?
      • Travelex Money Card vs Wise Debit Card Comparison
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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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  • Banking & Savings
    • Banking
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      • Sending Money to Australia
    • Savings
      • Best Term Deposits
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      • Booster Savvy Review
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    • Guides and Resources
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      • NZ Bank Prefix Codes
    • Reviews
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  • Mortgages
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      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
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      • First Home Loan Guide
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      • Lifetime Home Review
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      • Interest Rate Strategies
      • Saving for a House Deposit
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      • Top 10 Areas for First Home Buyers 2025
      • Buying a Home with Family and Friends
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      • Mortgage Overpayment Calculator
      • What To Do if You Bought a House at the Peak of the New Zealand Market
      • Tips for Seniors Renting or Paying Down a Mortgage
      • Remortgaging Guide
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      • Amortisation Calculator
      • Mortgage Break Fees
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      • High Deposit Mortgages
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      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
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      • Trusted Auckland Mortgage Brokers
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      • Trusted Mortgage Brokers in Christchurch
      • LifeDirect Mortgages Review
    • Buying a Home
      • First Home Buyers Checklist
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
      • Buying an Apartment in New Zealand
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    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • Every Tax Deduction Property Investors Can Claim
      • Trusts vs LTCs vs Companies
      • Investment Property Mortgages
      • 20 Property Investment Risks You Can't Ignore
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • NZCB Review
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Our Favourite KiwiSaver Funds
      • Best Performing KiwiSaver Funds
      • Milford vs ANZ KiwiSaver Growth Funds Comparison
      • Free $500+ Government Money for KiwiSaver
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • How Aggressive Should KiwiSaver Be
      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
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      • Switching KiwiSaver Funds
      • KiwiSaver Robo and Digital Advice Tools
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    • KiwiSaver Contributions & Tax
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    • KiwiSaver for Life Events and Specific Situations
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      • KiwiSaver First Home Grant Guide
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      • Feijoa Review
    • KiwiSaver Schemes
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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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      • Pathfinder KiwiSaver Review
        • Pathfinder vs ANZ KiwiSaver Growth Funds Comparison
      • QuayStreet KiwiSaver Scheme
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      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
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  • Business Loans & Tools
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      • Operating Leases
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      • Bizcap Business Loans Review
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    • Business Essentials
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      • Get Debtors to Pay Overdue Invoices
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      • Business Brokers
    • PAYE & Taxes
      • PAYE Calculator
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      • Lighthouse Accounting Services Review
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    • Business Calculators & Resources
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    • Online Services
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      • Digital Identity Programs and Online Verification Tools
      • Trusted Auckland SEO Companies
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      • PayPal NZ Account Fees
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    • For Startups
      • How to Start a Business in New Zealand
      • Raising Capital
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      • Crowdfunding vs Bank Financing
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      • How to Become an Angel Investor
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      • Alternatives to VC Funding
      • Hiring for a Startup
      • VCFO (Virtual CFO)
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      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
      • Attending the Singapore FinTech Festival
  • MSD
    • Navigating Work and Income Benefits
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    • Jobseeker Support Guide
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    • SuperGold Card Review
    • Disability Allowance
    • MyMSD
    • Community Services Card
    • Hardship Assistance - Urgent Costs and Living Expense Assistance
    • Loans for Unemployed
    • Working for Families Guide
    • Childcare Subsidies in New Zealand
    • Super Rates 2025 and 2026
    • NZ Superannuation in a Nutshell
    • Government Departments Helping New Zealanders Directly
    • Food Grants Guide
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      • Food Banks Auckland
      • Food Banks Northland
      • Food Banks Hamilton Waikato
      • Food Banks Wellington
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  • Motoring
    • Buying and Selling a Car
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      • Turners Cars Review
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
      • Car Registration in New Zealand
      • The Women's Guide to Buying a Car
    • Car Dealerships Explained
    • Everyday Driving
      • Costs of Owning a Car
      • 20 Ways to Make Driving Cheaper
      • Gaspy App Review
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      • AA Membership Review
      • Best Car Batteries
      • Best Electric Cars
      • Buyer’s Guide for the 2023 Toyota Hilux
      • Buyer’s Guide for the 2023 Toyota RAV4
      • Buyer’s Guide for the 2023 Ford Ranger
    • Warrant of Fitness
      • Guide to Warrant of Fitness
      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
      • Warrant of Fitness Tauranga
      • Warrant of Fitness Lower Hutt
      • Warrant of Fitness Wellington
      • Warrant of Fitness Christchurch
      • Warrant of Fitness Dunedin
  • Law
    • Wills Guide
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    • Divorce Guide
    • Trusts Guide
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    • Living Wills Guide
    • Probate
    • Agreeable Review
    • Footprint Online Wills Review
    • Perpetual Guardian
  • Travel
    • Moving Overseas
      • Working Holiday Visas
      • Working Holiday Visas for 30+ Year-Old New Zealanders
      • Moving to Australia
      • Moving to London
    • Air New Zealand Specific
      • Air NZ Upgrade Guide
      • Best Ways to Redeem Air New Zealand Airpoints Dollars
      • Fastest Way To Earn Air NZ Status Points
      • Air New Zealand Koru Membership Review
      • Airpoints Flexipay Guide
      • Air New Zealand Travel Tips
      • Air New Zealand Refunds & Credits
    • Lounges, Upgrades, Car Hire & More
      • How to Get Access to Airport Lounges
      • Air New Zealand Skycouch Review
      • No Nonsense Upgrade Guide
      • Car Rental Hire
      • Auckland Airport Car Parking
    • Best of New Zealand
      • Auckland Travel for Less
      • 100+ Free Things to do in Auckland
      • Queenstown Like a Local
    • Hotels & Dining
      • Accor Plus Review
      • First Table Guide
      • Hotel Booking Sites Compared
    • Foreign Currency Exchange
      • Currency Converter
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      • Thai Baht Exchange Rate
      • Chinese Yuan Exchange Rate
  • Mobile & SIM
    • Compare Mobile Plans
    • eSIM Plans
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    • Mobile Data Roaming
    • Revolut eSIM – Real User Reviews, Facts & Comparison
    • Saily Review
    • Zeronet Mobile Review
    • Spark Mobile Review
    • 2degrees Mobile Review
    • One NZ Mobile Review
    • Kiwi Mobile Review
    • Apple Watch Buying Guide
    • Best iPhone Plans
    • Best Power Banks
  • Broadband
    • Compare Broadband Plans
    • No Contract Broadband
    • Rural Broadband Plans
    • Internet Speed Test
    • Broadband Provider Reviews
      • 2degrees Broadband Review
      • Bigpipe Broadband Review
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      • Contact Broadband Review
      • Electric Kiwi Broadband Review
      • Farmside Broadband Review
      • Mercury Broadband Review
      • NOW Broadband Review
      • One NZ Broadband Review
      • Orcon Broadband Review
      • Spark Broadband Review
      • Skinny Review
      • Starlink Review
      • Voyager Broadband Review
      • Wireless Nation Broadband Review
  • Power
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  • Life Essentials
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    • Hamilton Trade Services
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  • Students
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