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

Our guide covers the insurance challenges faced by owners of old houses, what insurers consider, must-know homeowner experiences, FAQs and next steps to take to help make an informed decision.
Insuring Old Homes NZ
Updated 19 October 2023
Summary:​
  • Insurers are reluctant to insure houses with electrical, plumbing, and structural issues that need attention. Evidence of such issues can be common in houses built before 1935 and make insuring (and selling) such a house very difficult.
  • As a background, 1935 is the turning point of construction in New Zealand, centering around the 1935 Napier earthquake. After the massive destruction, a nationwide building code was first introduced requiring masonry to be firmly reinforced alongside other stipulations.
  • This means that, by default, pre-1935 buildings have been built 'without code'. While pre-1935 houses weren’t on the risk radar of insurers for many years, the 2010 and 2011 Christchurch earthquakes changed that. 
  • Per this 2013 RNZ story, the Insurance Council confirmed insurers were now reluctant to insure pre-1935 buildings, which tend to be mainly made of brick because they did not stand up well to the Christchurch earthquakes.
  • This quickly became a problem for homeowners (and home sellers), and hasn’t been specific to Christchurch - this story from the Otago Daily Times explains the issue and why it's a problem for homeowners.

Know This: Beyond insurers' demands for sound original piles and foundations in pre-1935 homes, insurers also want to verify many aspects, including the replacement of original electrical wiring with TPS wiring, a roof that's either in good condition or replaced within the past 30 years, absence of Scrim or Sarking wall linings, no historical classification and maintained exterior cladding without defects.

Our guide explains what you need to know about insuring an old houses; we cover the following:
  • Understanding the Historical Context of 1935
  • Must-Know Facts: Understanding the Insurance Challenges Faced by Owners of Old Houses
  • What Do Insurers Consider When Assessing an Old House?
  • New Zealand Homeowners and Experts Share Experiences of Insuring an Old House
  • Frequently Asked Questions for Homeowners and Potential Buyers of Old Houses
  • Our Conclusion and Next Steps To Take

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

MoneyHub Founder Christopher Walsh Explains How Our Friends at Initio Offer Instant Quotes For Old Houses:

Christopher Walsh MoneyHub
Christopher Walsh
MoneyHub Founder
  • ​Specialised Coverage: While many insurers hesitate, Initio Insurance confidently focuses on covering older homes.
  • Trusted & Reliable: Not only is Initio award-winning, but it's also underwritten by IAG (owners of AMI, State, and others) and boasts NZ-based customer service.
  • Instant Quotes: Initio provides immediate online quotes for houses built before 1940.
  • Ensure your home meets key criteria, such as updated TPS wiring, well-maintained roofs, and an absence of Scrim or Sarking.
  • Instant Feedback: Type in your address and instantly uncover any concerns, giving clarity on insuring your home.
Get an Instant Quote
initio Home Insurance
initio Home Insurance

Understanding the Historical Context of 1935 on House Insurance NZ

Understanding the Historical Context of 1935

1935 stands as a pivotal moment in New Zealand's construction history. On 3rd February 1931, the Napier earthquake, also called the Hawke's Bay earthquake, struck the North Island. With a magnitude of 7.8, it razed much of the towns of Napier and Hastings, leading to the unfortunate demise of at least 256 people.

The aftermath of this devastation made it clear that the country's buildings, many made of unreinforced masonry, were ill-equipped to withstand such seismic forces. As a response, New Zealand introduced a nationwide building code in the years that followed. This marked the beginning of a new era of construction in the country.

The 1935 benchmark signifies the shift from older, 'without code' constructions to constructed buildings adhering to these new seismic standards, ensuring greater safety and resilience.

Picture

Must-Know Facts: Understanding the Insurance Challenges Faced by Owners of Old Houses

Owning an old house comes with specific insurance challenges:
  1. Reluctance from Insurers: As the very foundation of these houses predates the seismic regulations implemented after the 1935 Napier earthquake, many insurers view them as 'high risk'. This often leads to outright rejection or the imposition of restrictive conditions on insurance policies.
  2. Financial Implications: This reluctance translates into potentially higher insurance premiums for homeowners. Even if coverage is granted, it might come with a higher excess or specific exclusions, especially for damages that can be traced back to the house's age or its original construction methods, such as wiring.
  3. Renovation and Upgrade Costs: Beyond the direct insurance costs, homeowners may face the financial burden of mandatory renovations. Updating outdated systems like electrical wiring, plumbing, or structural elements to meet modern safety standards can be a significant expense.
  4. Documentation and Proofs: Insurers often demand extensive documentation and proof of renovations, which can be challenging for homeowners, especially if renovations were carried out decades ago and paperwork was lost or never issued.

What Do Insurers Consider When Assessing an Old Home NZ

What Do Insurers Consider When Assessing an Old House?

Many insurers need a lot of proof and certificates before giving a quote to cover an old house. Before getting a quote, you should know:
  • Year of Construction: Exact date or approximate period.
  • Renovations History: All restorative efforts, updates, and structural changes were made.
  • Current Status: Details on the state of the electrical system, plumbing, and overall structure.

​Insurance entities often vary in their requirements and considerations:
  • Inspections: Many will require professional evaluations of the house's current condition.
  • Terms & Conditions: Even if an insurer agrees to cover your home, understand any conditional clauses, exclusions or mandatory upgrade requirements they might have.

Homeowner Experiences of Insuring an Old Houses in NZ

New Zealand Homeowners and Experts Share Experiences of Insuring an Old House

While it's essential to get online quotes to verify whether an old house can be insured, many factors contribute to policy prices and exclusions. In the section below, we've included a selection of unverified experiences shared by New Zealanders online and from our MoneyHub community. If you want to share your experience insuring an old house, please contact our research team. ​
"I purchased a pre-1935 house but faced insurance issues due to outdated wiring, which I hadn't considered before buying the house. My bank agreed to insure the property but excluded electrical fires. I agreed to that, rewired the house, and provided proof to the bank, whereby they lifted the exclusion. I then compared insurers and switched to a cheaper provider without complications".
"We purchased a 1927 house and insured it with a well-known insurer. The main concerns from the insurer were about the replacement or updating of wiring and plumbing, which had been done a few years ago. Without new wiring and plumbing, I'm uncertain what the insurance implications would have been."
"For our 1930s home purchase, the insurer needed at least 3 out of 5 elements updated: roof, wiring, piles, interior walls, and plumbing. Using our building report, we secured insurance without issues. Even though we eventually replaced an ageing roof, it wasn't a requirement by the insurer since other areas met their standards."
"I worked for a major insurer; underwriting a pre-1935 house required the property to have been replumbed, rewired, repiled, reroofed, and relined. If a builder's report verifies these updates, there usually won't be any restrictions, but policies and limits can vary among insurers".
"I worked as an underwriter and broker; properties built before 1935 almost always have additional insurance considerations. Specifically, insurers may inquire if the property has been comprehensively rewired and if it contains scrim. While such houses aren't uninsurable, they might have certain terms and conditions.

​For example, there might be a $10,000 fire excess due to potentially outdated wiring if no safety compliance certificate is available. Scrim could lead to an outright exclusion from fire claims until it's entirely removed. Because of the risks, having all relevant documentation on hand is advisable when shopping for insurance". ​
Our research further confirmed further reports from owners of old houses and how they maximise their insurance coverage:
  • Specific renovations are essential: Many homeowners emphasised the importance of updating outdated systems, such as modernisation wiring and roofing. 
  • Seek Multiple Quotes: Our research confirms that quotes vary; insurance companies differ significantly in evaluating risk, so getting numerous online quotes is essential.
  • Policy Transfer: A recurrent tip was to leverage existing insurance policies of the property as they might be easier to transfer than sourcing a new one.
  • 1940 is a Watershed Year: Houses built post-1940 usually face fewer insurance challenges due to the revised building standards.
  • The Condition of a House is Important: Age alone isn't the only determinant. A well-maintained 1920 house might be in better condition than a neglected 1960 one.

MoneyHub Founder Christopher Walsh Explains How Our Friends at Initio Offer Instant Quotes For Old Houses:

Christopher Walsh MoneyHub
Christopher Walsh
MoneyHub Founder
  • ​Specialised Coverage: While many insurers hesitate, Initio Insurance confidently focuses on covering older homes.
  • Trusted & Reliable: Not only is Initio award-winning, but it's also underwritten by IAG (owners of AMI, State, and others) and boasts NZ-based customer service.
  • Instant Quotes: Initio provides immediate online quotes for houses built before 1940.
  • Ensure your home meets key criteria, such as updated TPS wiring, well-maintained roofs, and an absence of Scrim or Sarking.
  • Instant Feedback: Type in your address and instantly uncover any concerns, giving clarity on insuring your home.
Get an Instant Quote
initio Home Insurance
initio Home Insurance

Frequently Asked Questions for Homeowners and Potential Buyers of Old Homes NZ

Frequently Asked Questions for Homeowners and Potential Buyers of Old Houses

There's a lot to cover. We've grouped our FAQs into several sections to help you cover the risks and make important decisions with ease.

1. Structural and Material Concerns FAQs:

Will my pre-1935 house's original wiring impact insurance approval?

Almost certainly. Older rubber-coated wires deteriorate over time, increasing the risk of electrical fires. Modern standards require safer, more durable materials. Therefore, many insurers either insist on an update or, if they provide coverage, may impose higher premiums.

Does the roofing of my pre-1935 house affect my insurance premiums?

Yes - an older roof, especially if it hasn't been replaced in the last 30 years, might increase your insurance premiums due to higher susceptibility to damages and leaks. Some insurers could even make coverage conditional upon a roof replacement.

Are insurance companies concerned about scrim walls in older houses?

Yes - Scrim, a type of hessian sacking, was used in many pre-1935 houses. Due to its flammable nature, it's seen as a fire hazard. Many insurers will require proof of its removal or replacement before agreeing to cover your home.

How do exterior cladding defects in older houses impact insurance?

Unmaintained weatherboards or cladding can lead to rot, reducing the house's weather-tightness and overall structural stability. Insurance companies often require these defects to be addressed before offering coverage, given the potential risks they pose.

Will foundational issues in older houses affect my insurance coverage?

Yes - foundational problems, such as sinking or rotting, can compromise the house's structural integrity. For many insurers, a house with such issues is considered high-risk, leading to higher premiums or even denial of coverage. Historical and Classification Concerns

How does a historical classification of my house affect insurance?

Houses with historical classifications often have restrictions on repairs, renovations, and rebuilding. This can complicate potential claims. Consequently, many insurers may decline to insure such homes or might only offer coverage with certain exclusions.
2. Insurer Processes and Considerations FAQs:

How do insurers determine the 'condition' of an older house?

Insurers often rely on professional house inspection reports. These evaluations look at the structural integrity, electrical and plumbing systems, roofing, foundations, and other critical elements of the house.

What if I can't provide all the documentation requested by the insurer?

Lack of documentation can be a challenge. Some insurers might accept photographic evidence, statements from licensed contractors, or other forms of validation. However, discussing and clarifying directly with the insurer is always best.
3. Economic and Financial Aspects FAQs:

Is it more expensive to insure a renovated old house versus a modern house?

Not necessarily. The insurance cost depends on the home's post-renovation condition, the quality of the updates, the materials used, and how closely the renovations adhere to modern safety standards. If renovated to high standards, an old house might not cost significantly more to insure than a newer one.

Is there any government aid or subsidy for renovating older houses to meet insurance standards?

While there isn't a specific nationwide subsidy, some local councils may offer grants or low-interest loans for specific renovations, especially if they aim to preserve heritage houses. It's always good to check with your local council.
4. Insurance Companies and Their Offerings FAQs:

Are there insurers specialising in older houses?

No, but some insurers are proactive in making insurance more transparent. We see Initio as the main player based on several factors, including online resources, industry commentary, and policy specifics. We argue that Initio focuses on delivering fast quotes to owners of older houses. Many insurers will assess your home's age and give an instant hard pass - Initio uses its data to deliver the most accurate quote.

How critical is earthquake strengthening for my older house's insurance?

Given New Zealand's seismic history, it's relevant, especially in quake-prone regions, insurers take account of a building's earthquake resistance. Some might provide conditional coverage, stipulating mandatory retrofitting within a stipulated period. Unlike commercial buildings, which receive a rating of earthquake strength compared to current new building standard (NBS), residential dwellings do not receive an earthquake strength rating.

Old House Insurance NZ Conclusion

Our Conclusion and Next Steps To Take

Understanding the risks of limited insurance is vital for homeowners and potential buyers of pre-1935 houses. To help limit the risks, we list some actionable next steps to consider:
  1. Thorough Home Inspection: Before buying an old house, get a detailed home inspection from a reputable company to understand the condition of the house and any potential issues.
  2. Consult Legal Experts: If unsure about the conditions or clauses of an insurance policy, it might be beneficial to consult a legal expert specialising in property and insurance law.
  3. Maintenance and Renovation: If you already own an old house, consider a schedule for regular maintenance and necessary renovations. This proactive approach can make insuring the property easier and might even result in lower premiums.
  4. Keep Documentation: Any renovations or updates done to the house should be thoroughly documented. Store these in a safe place and consider digital backups.

MoneyHub Founder Christopher Walsh Explains How Our Friends at Initio Offer Instant Quotes For Old Houses:

Christopher Walsh MoneyHub
Christopher Walsh
MoneyHub Founder
  • ​Specialised Coverage: While many insurers hesitate, Initio Insurance confidently focuses on covering older homes.
  • Trusted & Reliable: Not only is Initio award-winning, but it's also underwritten by IAG (owners of AMI, State, and others) and boasts NZ-based customer service.
  • Instant Quotes: Initio provides immediate online quotes for houses built before 1940.
  • Ensure your home meets key criteria, such as updated TPS wiring, well-maintained roofs, and an absence of Scrim or Sarking.
  • Instant Feedback: Type in your address and instantly uncover any concerns, giving clarity on insuring your home.
Get an Instant Quote
initio Home Insurance
initio Home Insurance

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