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
        • 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
    • 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
  • 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
        • UK Travel Insurance
    • Specific Risk Cover
      • Do I Need Travel Insurance?
      • Pregnancy Travel Insurance
    • Travel Insurer Reviews
      • Southern Cross Travel Insurance Review
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  • Banking & Savings
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  • Essential Money Tips
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  • Trade Services
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How to Write a Cover Letter - Templates and 40+ Must-Know Tips

Write the best cover letter with confidence. Our guide includes must-know tips, structure guidance and pre-formatted templates to maximise your chances of success
How to Write a Cover Letter NZ
Updated 4 September 2024
This guide has been published to comprehensively help you to submit the best possible job application. Applying for jobs is more efficient and favourable when you have the best tools. Our cover letter guide lists everything you need to do and what to avoid. With hundreds of applications for some job advertisements, the recruitment process is increasingly digital. Our template and tips provide you the best resources for success. 

Cover letters are essential - here's why:
More and more hiring managers and recruiters use Applicant Tracking Systems (ATS), which automate CV screening.
  1. The first step sees the ATS software check CVs for keywords to sort the job applications into the relevant or not relevant piles. 
  2. The recruiter or hiring manager then reads the relevant CVs and cover letters. To maximise your employment chances, the cover letter must catch the recruiter's eye and get them to read your application.

How to Write the Best Cover Letter
There are two critical aspects of your cover letter that will help you to achieve this – presentation and content. The first section of this guide outlines how to make your cover letter look attractive and professional, and the second will provide some guidelines on content.

Our guide covers:
  • ​Content
  • Presentation
  • Final Checks
  • Checklist Before Submitting Your Application
  • Cover Letters Templates

Video Overview: MoneyHub Founder and Head of Research Christopher Walsh explains cover letters in the video below:

How to Write a Cover Letter NZ

Content

Cover letters should follow the same basic structure, and all start with the same question: Who are you writing to?

Know This: "Dear Sir/Madam" is OK, but it is much better if you can address it to a specific person. Sometimes the job advert will tell you who to write to, but it is worth putting in a bit of effort if it doesn't. This is especially true if you are sending a speculative letter. Check out the company's website, many of them will have a page presenting their team. If you can't find anything, call the company and ask. 

Know your audience:
Who you are writing to will also influence how you write.
  • If you are applying to a manager within the prospective employer, they may be looking at you as someone they might enjoy working with, as well as someone who will be an asset to the team.
  • ​If a consultant is handling the recruitment, they will be looking for someone who exactly matches the criteria and that they can sell to their client. Recruiters don't get paid unless they place someone in the job, so make sure you know exactly who you are writing to. 
  • Overall, the cover letter should focus on what's important and always eliminate irrelevant information. If you're shortlisted, a recruitment agency will (usually) forward the letter to the hiring manager at the company. For this reason, what you put in the contents is crucially important. Our six steps (below) guide you through building it out.

Six Steps to Build the Body of Your Cover Letter

Our view is that the body of your cover letter is the key to you making a shortlist or being rejected . Many people treat their cover letter as just a note to go along with their CV - such a decision will make or break a job application. Our six steps guide you through the best-practice content structure.

Step 1 - Introduce Yourself and Sell Your Relevant Experience
  1. You should have already put the position you are applying for at the head of the letter, so there is no need to repeat.
  2. You are selling yourself here; use the first couple of sentences introduce yourself as someone with the required experience and skills and tell them what an asset you could be to their company.
  3. Your aim is to capture the reader's attention from the start and persuade them to read the rest of the letter, review your CV and shortlist you for the job.

Dear Sir/Madam,

As deputy head of sales for (company name), I have over 5 years' experience selling (specific types) products into Foodstuffs, and Progressive Enterprises, including nationwide product launches with $50,000 marketing campaigns. I have a network of strong relationships with category managers, supermarket owners and store managers that makes me perfectly positioned for this crucial role in your company. I would like to take this opportunity to outline why I would be an asset to your sales department. 

Straight away, this tells them that you have the experience they are looking for and that you have a good reason for applying for the job – as a successful deputy head, you are looking to move up to head of department.

In contrast, the example below suggests the applicant lacks interest or care:

Dear Sir/Madam,
I am writing to apply for the head of sales vacancy advertised on Seek on 22 March. Please find a copy of my CV attached.

This is not very engaging and suggests that the applicant lacks interest in selling themselves. If a cover lever is required, this application will likely be rejected.

Step 2: Expand on Your Description
You now need to expand on your description of yourself, your current role, skills and competences. Include two or three key accomplishments or qualifications. Establish what you have to offer and get them interested in looking at your CV for more detail by adding two or three examples to demonstrate your credibility. For example:

I joined (company name) in 2013 as their West Coast sales representative, before being promoted to South Island sales director and then national deputy head of sales. In this critical role, I work closely with senior management, and the product development and marketing teams to get our products into major retail channels. 

Some of my notable achievements with (company name) include:
  1. Expanding ranges for (product name) from CBD stores into the suburbs, generating 57% growth in sales
  2. Successfully selling a new product range into New World stores

Step 3: Refer the Reader to Your CV for More Detail
It's essential to say why you are interested in the job and describe the personal and professional qualities that make you the ideal candidate. Your main interest might be more money, and while that is entirely legitimate, it's not appropriate to mention. Try to use more positive-sounding motivations – more responsibility, a bigger challenge etc. It could be that one aspect of your current job has proven to be the most interesting part, and you would like a new position that is more focused on that. Lifestyle issues, such as wanting a job with less travel, or the opposite, are also good to mention.

Important: Do not cite criticisms of your current employer or problems in the workplace as your motivation for leaving. Doing so may mean the recruiter wonders whether you had anything to do with the problems, which creates doubt and distrust.

Step 4: Tailor the application
Many New Zealanders have one cover letter and use it for every job they apply for. This is unlikely to be a successful strategy. You should always customise the cover letter for every job. To do this:
  1. Read the advertised vacancy carefully and try to pick out the key points they are looking for.
  2. Make sure you match the criteria the employer is seeking. 
  3. Don't think: "These are my skills; let me tell you about them". Think: "You are looking for this skill; let me tell you how I have it."
  4. Don't just repeat the advert verbatim - tie it in to your current experience.

For example: If the position requires responsibility for advertising campaigns and supervising agencies, don't write: In my current role, I am responsible for advertising campaigns and supervising agencies. Work it into your flow: In my current role, I was responsible for successful advertising campaigns to promote (product name), including briefing and supervising the creative and production agencies who worked on the project.

Usually, applying for a job when you don't meet the criteria is not a successful strategy, but if you think there is a good reason you should be considered anyway, try to make these reasons stand out. For example, the advert might ask for five years' sales experience, but there are ways around this if you only have four years of experience. For instance, if you have three years' experience on the buying side, you can reasonably argue that this gives you insight that makes you a stronger candidate. Or the job may require experience with software that you have not used at work, but you have just received certification for it after completing a course.

Step 5: Address the Money Question (if asked)
Employers will often ask for salary expectations. This is not always a simple question to answer, although most people will have an idea of what they want  and what they are willing to accept. A bit of online research may help you figure out what you can reasonably ask for, but it is usually wise to avoid giving a precise answer. Sidestep the question and offer a range. For example:

I am looking at a number of opportunities offering packages ranging from $65K to $75K. Although the salary on offer will not necessarily be the deciding factor, I will be seeking a package that reflects my worth.

Step 6: Signing Off
All that's left to do is to conclude the letter. This is where you put in a call to action and thank the reader for considering your application. Don't be shy of putting your phone number and email in again.

Please do not hesitate to contact me at 123456789 or [email protected] to arrange an interview to discuss my application in greater depth. 

I look forward to hearing from you, and I would like to thank you for your consideration.

Following these guidelines will help you look and sound professional and position your application to draw recruiters' interest and attention.


Optional: Absences and Gaps in Your Employment History
If you have been out of work for an extended period, this should be explained unless it's obvious as to the reason. A useful example of what to write is as followed:

"Upon your evaluation of my CV, you will note a period of time unaccounted for. I elected to take a short sabbatical. With full disclosure to my employer, I embarked on a personal mission to enhance my professional experience and knowledge base. I would be happy to give you more information if you have any further questions".

How to Write a Cover Letter NZ

Presentation

Good presentation is vital. A professional-looking letter will give the impression that the writer is a professional and someone who will be useful at a company. A poorly presented letter will make the opposite impression and may not be read at all.

Length and size
Apart from a few specialised cases – medicine and academia etc. A cover letter should be one A4 page. Use a standard font such as Times New Roman, with a size of 12 points. Larger font sizes will not look good, while smaller can be bad for readability and encourage more content that's not necessary.

Spacing and alignment
The main body of the text should be justified. Justified alignment sees the spacing between words automatically adjusted so that each line runs up to the straight edge of the text. Justified alignment looks neater and more professional. If you are using MS Word to write your cover letter, select the text and press "CTRL + J".

Leave two line spaces between the date and the body of the letter. Leave one line space between paragraphs and do not indent for a more modern look. If you are sending your letter electronically, leave two lines above your name at the end. If you print the letter and send it by mail, four lines are the ideal spacing to insert your signature.

You can use bullet points and numbering, but keep it concise. Detailed lists belong in your CV.

Write concise paragraphs of a few lines each and avoid excessively long sentences. Write in a formal and professional style but try to be engaging and punchy.

Your Contact details
Starting at the top, you should begin with a clearly laid out letterhead that says who you are and how to contact you. Put your name and surname at the top, followed by your contact details – address, phone number, email address – in that order. If you are using more than one telephone number, mark them as home and mobile, as appropriate. Put the email in plain text format, rather than a hyperlink that may default to a colour that makes it hard to read. If it autoformats, right-click and select "remove link".

"English name" use
Some people like to use an "English name" for dealing with wider society, where people might find names from tonal languages or different spelling systems difficult. If this is you, there is no reason to avoid these in your cover letter, you can, for example, write: Xiaomeng (Sam) Liew, or Iiuliia (Julia) Ivanova. This provides your official name and the name you like to be called.

Address of recipient
Next comes the name and address of the person you are writing to, followed by the date, and the job title or job or vacancy reference number if you have one.

Top tip: Using an Invisible Table 
  1. Ensure your letterhead is nicely formatted by using a table.
  2. Insert a 2 X 4 table, put your details in the first line (right box), the addressee and the job title in line on the second line (left box), the date on the third row (left box), and the vacancy details in the forth row (left box). 
  3. Align the left column to the left and the right column to the right.
  4. When you are done, right-click anywhere in the table, select "borders and shading", and choose "none".
  5. Make sure when you upload the file you click on "remove the properties and security information" - you'll need to right click on the file and then open "properties". This avoids the issue of the file name from another application appearing inadvertently in the file you send.

Signing off 
Always finish your letter with "Yours sincerely", followed by your name and reference to any enclosed documents.

How to Write a Cover Letter NZ

Presentation - Final Checks

Once you have written the letter, there are a few presentation issues to double-check before you send it off:
  1. Spelling: Be sure to use a spellchecker. Take particular care with names and addresses; it can be a bit embarrassing to send someone a letter and spell their name wrong.
  2. Commonly confused words: Make sure you aren't talking about your roll instead of your role, and that you should have rather than should of, as well as using the right there, their, they're.
  3. Abbreviations: If the advert uses terms like B2B or ATL, you should use them in your letter. Other abbreviations should be avoided. The recruiter looking at your application might not have the technical knowledge to understand an acronym you are using even if it is standard in your work. Companies often have in-house acronyms outsiders won't get. To avoid any issues, write these out in full.
  4. Capital letters: Check that you have capital letters in the right places. Your word processor might automatically capitalise the first letter of your email address; it will look much better if it is all lower case.
  5. Consistent fonts: Check that you have the same font in the right size throughout the letter. Random paragraphs in a different font, size or spacing is not a good look. Check that any use of bolding or italics is appropriate.
  6. Use the right email address: [email protected] might be acceptable for casual use, but you'd be better off setting up [email protected] for job applications and other serious occasions.
  7. Read it out loud to make certain that it has a clear, logical structure: it must introduce you, say why you would be a good candidate, and finish with a call to action.
  8. Subject line: If you are sending by email, always ensure that you have a clear subject line: Application for Level 2 Lab Technician Vacancy. Never send an email without a subject line.
  9. File names: Never just call the file coverletter.pdf, as it looks generic and suggests it's not personalised. Always put your name EdwardSmith_coverletter.pdf.
  10. Uploading: If you are uploading the cover letter to a website along with your CV, make sure to save it as a PDF so that it will always look exactly as you want it to. If you upload a Word file and the employer is using other software, or a different version of Word, the formatting, in some instances, could be changed and undo all your work.
  11. Emailing: If you plan to send the cover letter and CV by email, do not send the letter as an attachment. The odds of someone opening it are not good. Write the letter in the body of the email following the same guidelines as above and attach the CV. Make sure the CV also has an appropriate file name such as EdwardSmith_CV.pdf.
  12. Email signature: If you have an automatic email signature, make sure it is appropriate for business use.

Summary and Our View:

  1. Overall, following the above guidelines will ensure that you have a professional-looking cover letter with good readability.
  2. Putting in the effort on your cover letter will always stand you in good stead and might be the difference between someone reading your letter and someone just skipping past it to the next one in the pile.
  3. Content is equally important, which we outline below, but you should not neglect presentation even if your cover letter has excellent substance.

How to Write a Cover Letter NZ

Checklist Before Submitting Your Application: Important Cover Letter Dos and Don'ts

Before submitting, it's a good idea to follow our checklist below to make sure you're sending the best cover letter. It's a good idea to ask a friend or family member to read over your job application. If you're using a recruiter, ask for their feedback to before you submit - their insights are invaluable. 

DOs:

  1. Read the advert carefully for keywords and criteria and do some research on the company
  2. Address it to the right person
  3. Be clear and concise
  4. Have a structure – beginning, middle, end
  5. Target your letter
  6. Use active words to describe your work – accomplished, achieved, led, created, increased, identified
  7. Highlight specific achievements and successes

Don'ts

  1. Don't forget your full contact details
  2. Don't forget to say what job you are applying for
  3. Avoid writing a dull opening paragraph. If your first paragraph isn't interesting, it will be the only one they read. Make sure it tells them who you are and why you're a great candidate
  4. Don't fail to make your case. Don't be arrogant, but show some confidence in what you have to offer and why it is in their interest to hire you
  5. Don't just repeat what is in your CV. No copy-pasting - people are too busy to read things twice
  6. Don't forget a call to action in your sign-off  
  7. Don't start every sentence with "I" (instead, try to mix it up a bit)
  8. Don't go on too long. One full page is perfect
  9. Don't forget your attachments

How to Write a Cover Letter New Zealand

Cover Letters Templates

To help you submit the best possible job application, our list of templates below help you focus on the content while we take care of the presentation. 
  • Sample One
  • Microsoft Office offers cover letter templates (there are free and premium versions). However, these are not specific to New Zealand employers. 

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  • Self-Employment Guide
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  • Credit Cards
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        • Where is AMEX Accepted?
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        • American Express Platinum Card Review
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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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  • Mortgages
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    • Alternative Mortgage Options
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      • Tips for Seniors Renting or Paying Down a Mortgage
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    • Mortgage Brokers
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      • LifeDirect Mortgages Review
    • Buying a Home
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      • NZCB Review
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  • KiwiSaver
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  • Business
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    • For Startups
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  • MSD
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  • Motoring
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  • Law
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    • Air New Zealand Specific
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    • Best of New Zealand
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    • Foreign Currency Exchange
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  • Travel Insurance
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      • Americas & Africa
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    • Specific Risk Cover
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    • Essential Information
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      • How to Renew a New Zealand Passport
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  • Mobile & SIM
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  • Broadband
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  • Power
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    • Power Companies
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  • Essential Money Tips
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      • 10 Hidden and Exorbitant Costs of Living in New Zealand
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    • Money & Relationships
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      • Don’t Let Supporting Your Adult Children Ruin Your Retirement
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      • Guarantors - Loans and Mortgages
    • Money & Family
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    • Valuable Insights
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      • Dental Costs
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    • Challenging Economic Conditions
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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
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      • FIRE and NZ Real Estate
    • FIRE Tools
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      • SortMe Review
    • Repaying Debt
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    • Tax
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      • Salary Sacrifice in New Zealand
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      • Choosing an Accountant
      • 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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      • Hosting International Students
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    • Kids Eat Free
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      • HelloFresh Review
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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
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    • Living Essentials
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    • Wedding Resources
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    • Home & Kitchen
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      • Best Printers
      • Best Computer Desks
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      • Blinds, Curtains and Drapes Auckland
    • Health & Personal Care
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  • Trade Services
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