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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KiwiSaver First Home Grant

Get a first home buyers grant of up to $20,000 - we explain everything you need to know
First Home Buyers Grant guide
Updated 3 August 2023

Important: The KiwiSaver First Home Grant and the KiwiSaver First Home Savings Withdrawal are two entirely different things, but you may be eligible for both. This guide is those wanting a first home buyers grant - refer to our First Home Savings Withdrawal guide for further details. 

Being a member of KiwiSaver can provide a fast-track to homeownership for qualifying New Zealanders.
 
This guide walks you through what you need to know, the requirements, limitations and tips to make your KiwiSaver balance go as far as possible when buying your first home.

This guide covers:
  1. What You’re Entitled to and How You Can Get It
  2. ​Must Know Facts and Tips about the Schemes
  3. Frequently Asked Questions
  4. Application Process
  5. Tips for Talking to Banks and Mortgage Brokers with confidence​

first home buyers grant

First Home Buyers Grant - What You’re Entitled to and How You Can Get It

The KiwiSaver First Home Grant Explained

If you've contributed on a regular basis to KiwiSaver for at least three years, you may be eligible to the First Home Grant, with a cash payment of between $3,000 and $10,000 depending on your circumstances and type of home you are buying. 

Making Sense of the Eligibility
There are a number of requirements for a
First Home Grant, we outline them below.  
  • You are aged 18 years or over
  • You currently do not own a home or land
  • You have never received the First Home Grant, nor its predecessor, the 'KiwiSaver deposit subsidy'
  • You are a member of a KiwiSaver scheme, complying fund or exempt employer scheme
  • You have contributed at least the 'minimum allowable percentage' of your total income to a KiwiSaver scheme, complying fund or exempt employer scheme for at least three years. The minimum allowable contribution percentage is, from 1 April 2013:​
  • 3 percent of your income or
  • 3 percent of the minimum wage for non-earners (based on a 40 hour week) or
  • 3 percent of your yearly benefit for beneficiaries.
  • ​You are the sole buyer and have earned $95,000 or less in TOTAL (before tax) in the last 12 months. If you had a pay rise above $95,000, you might still be eligible as the First Home Grant considers the total amount earned in 12 months.  
  • If you are two or more buyers, you must have earned a combined income of $150,000 or less in TOTAL (before tax) in the last 12 months. 
  • If you are a sole buyer and have one or more dependents, the income limit is $150,000 in the last 12 months. 
  • You have a deposit that is 10 percent or more of the purchase price. The 10 percent deposit includes:​
  • Funds you can withdraw through the KiwiSaver first-home withdrawal scheme and/or
  • The First Home Grant amount you and/or the other purchasers are applying for and
  • Any additional funds (for example, savings, fixed and term deposits or funds)
  • Money gifted from a relative - you'll need to fill out a gifting declaration form and submit it to verify the funds.
  • The First Home Grant requires that all deposit money must be 'obligation-free', meaning it cannot be borrowed, secured against other property, a family guarantee etc.
  • You are buying one of the following types of property and land arrangements:
    • fee simple (i.e. a freehold property)
    • stratum estate (freehold and leasehold)
    • cross-lease (freehold and leasehold)
    • leasehold
    • Maori land
  • If you are purchasing the property with other people, it must be in equal shares, i.e. if there are 4 of you, you each own a 1/4 share; for 3 of you it would be a 1/3 share, etc.
  • The purchase price of the property is within the regional house price cap: 
Region Existing properties ($) New properties ($)
Far North District 400,000 675,000
Whangārei District 600,000 800,000
Kaipara District 525,000 875,000
Auckland 875,000 875,000
Thames-Coromandel District 875,000 925,000
Hauraki District 550,000 650,000
Matamata-Piako District 625,000 800,000
Hamilton Urban Area (Hamilton City, Waipā District, Waikato District) 650,000 775,000
Ōtorohanga District 400,000 650,000
South Waikato District 400,000 650,000
Waitomo District 400,000 650,000
Taupō District 575,000 825,000
Tauranga Urban Area (Tauranga, Western Bay of Plenty District) 800,000 875,000
Rotorua District 525,000 650,000
Whakatāne District 500,000 800,000
Kawerau District 400,000 650,000
Ōpōtiki District 400,000 650,000
Gisborne District 450,000 650,000
Wairoa District 400,000 650,000
Napier-Hastings (Napier City, Hastings District) 625,000 825,000
Central Hawke's Bay District 500,000 650,000
New Plymouth District 525,000 675,000
Stratford District 400,000 650,000
South Taranaki District 400,000 650,000
Ruapehu District 400,000 650,000
Whanganui District 425,000 650,000
Rangitikei District 400,000 650,000
Manawatū District 525,000 650,000
Palmerston North City 575,000 700,000
Tararua District 400,000 650,000
Horowhenua District 525,000 650,000
Wairarapa (Masterton District, Carterton District, South Wairarapa District) 600,000 800,000
Wellington Urban Area (Kāpiti Coast District, Upper Hutt City, Porirua City, Lower Hutt City, Wellington City) 750,000 925,000
Nelson-Tasman (Nelson City, Tasman District) 650,000 875,000
Marlborough District 550,000 650,000
Kaikōura District 700,000 700,000
Buller District 400,000 650,000
Grey District 400,000 650,000
Westland District 400,000 650,000
Hurunui District 425,000 650,000
Christchurch Urban Area (Waimakariri District, Christchurch City, Selwyn District) 575,000 775,000
Ashburton District 400,000 650,000
Timaru District 400,000 650,000
Mackenzie District 500,000 650,000
Waimate District 400,000 650,000
Waitaki District 400,000 650,000
Central Otago District 525,000 800,000
Queenstown-Lakes District 875,000 925,000
Dunedin City 500,000 675,000
Clutha District 400,000 650,000
Southland District 500,000 650,000
Gore District 400,000 650,000
Invercargill City 400,000 650,000
Source: House Caps as at 15 May 2023

First Home Buyers Grant: What's the amount I'm entitled to?

If you've met all of the criteria above and your property is within the home price cap, you are likely to receive a free KiwiSaver First Home Grant. The next step is to calculate the amount of First Home Grant you are entitled to; generally, the longer you've contributed to KiwiSaver, the higher your grant. And if you're buying a brand new home, you will be entitled to even more money. 
​
If you are purchasing an existing/older home
The First Home Grant is $1,000 for each year of KiwiSaver (or qualifying scheme) contributions, specifically:
  1. If you have 3 years of contributing, you're entitled to $3,000 (the minimum you can get)
  2. 4 years = $4,000
  3. 5 years = $5,000 (the maximum you can get).

If you are purchasing a new home, a property bought off the plans or land to build a new home on:
The First Home Grant is $2,000 for each year of KiwiSaver (or qualifying scheme) contributions, specifically:
  1. If you have 3 years of contributing, you're entitled to $6,000 (the minimum you can get)
  2. 4 years = $8,000
  3. 5 years = $10,000 (the maximum you can get). ​

First Home Buyers Grant: Earning Limits Explained

Every New Zealander is different, and the earning limits will arguably be fair to some and not others. Even a $2 salary difference can make a huge difference when it comes to putting together your home deposit. For example, if you're a couple earning a total of $130,001 you're entitled to $0 whereas the same couple earning $129,999 could be eligible for up to $20,000. This is what the law is - there is no way around it. You may feel this is unfair if you're earning above the threshold but other New Zealanders could argue you're earning far more than a lot of other people. Wherever you sit in the earning spectrum, if you're eligible for the First Home Grant then it's in your interest to apply for it and do your best to secure it.  

Do you exceed the $95,000 or $150,000 earning limit? 
  • Kāinga Ora – Homes and Communities (previously known as Housing New Zealand) will assess if you earned $95,000 or $150,000 in total over the 12 months before you apply. 
  • If you've had a pay rise in the last 12 months to over the earning limit, you may still qualify as Kāinga Ora looks at the total salary you were actually paid - for example, if your salary jumped from $80,000 to $100,000 in March and you apply in April, the total salary for the last 12 months would be somewhere around $83,000. 
  • If your company offers a share-based incentive plan, i.e. sacrificing salary for shares in the company you work for, this also lowers your total salary as it is assessed on a cash basis. 
  • DO NOT approach your employer asking for a temporary pay reduction to meet the earning limits - this is fraud and no employer with any sense would oblige. You also risk your job by asking - so don't. 

kiwisaver homestart grant

Must Know Facts and Tips About Getting a First Home Buyers Grant

KiwiSaver HomeStart Grant NZ

Plan Ahead and get 'pre-approved' even if you have not decided on a property - the KiwiSaver First Home Grant CANNOT be paid out after settlement has occurred

  • If you are undecided on what property to buy, it is a very good idea to apply for First Home Grant pre-approval. The process is easy - you just need to have met the criteria outlined above, with the exception of the property price (which won't be known when you apply). 
  • Once the grant is approved, it is valid for six-months. This is a huge help when you apply for lending and are looking for a property to buy.
  • If you find a home, you can access your grant within the 6 month period - you'll need to send the following to Kāinga Ora no later than 10 working days before the settlement date:
  1. A copy of a signed agreement for sale and purchase
  2. Evidence that you have a deposit of at least 10% of the property purchase price
​
Once Kāinga Ora is happy, you'll receive your money and be one step closer to homeownership. 
KiwiSaver HomeStart Grant NZ

Buying a new home? Make sure it qualifies

A "new home" is considered "a home which received its building code compliance certificate less than six months before Kāinga Ora receives your KiwiSaver First Home Grant application".

But there are some essential requirements:
  • The building code compliance certificate must relate to the home as a whole and not only some building work on the home.
  • If you buy a bare piece of land and plan to move an existing home there, this is no longer considered to be a "new home" and therefore the First Home Grant drops to between $3,000 and $5,000.​
KiwiSaver HomeStart Grant NZ

Buying a home off a plan? First Home Grant can be paid before settlement to meet deposits and/or progress payments

Buying a new home is different from buying an existing property - in many cases you will agree to make initial payments or progress payments to help the builder or developer secure financing to undertake the project. These payments can come from the First Home Grant, but, the money must be held in trust, escrow or a similar arrangement, with payment only going to the developer only upon settlement.

Our view is simple - if you are buying a home off a plan, get legal advice to make sure you fully understand such an agreement and the obligations you have. Your developer will need to be aware that the First Home Grant you are entitled to will be held in trust or escrow until the settlement date.
KiwiSaver HomeStart Grant NZ

The government monitors if you rent your entire home out instead of living in it, and some grant recipients have had to pay it back (but renting a spare room is fine)

Received a First Home Grant and later decided to rent out your entire home to tenants? Make sure you comply - if you've owned the property for less than six months and you rent it out, you may find yourself in breach of the First Home Grant's terms and conditions. The Government and lenders make sure you're abiding by what you signed up to, as reported in this Radio NZ story, with checks such as:
  • Phone calls from your lender to ask about the living situation, whereby it is reasonable to expect the lender is looking for consistent information between phone calls. Any irregularity may be investigated as renting the entire property to tenants can often be a breach of a homeowners' mortgage agreement.  
  • If you do rent your home, you'll have to register the tenants' bond with the ​Department of Housing, who administered the grant initially. This may cause a red flag. 
  • The IRD will be able to determine income from renting a property, which needs to be explained if it is for the entire home.  

Renting a spare room (or as many as you have) is fine, as long as you continue to permanently live in the property.  
KiwiSaver HomeStart Grant NZ

Plan early - Kāinga Ora takes AT LEAST 20 working days to process a First Home Grant

Kāinga Orarecommends applicants get organised early and allow for delays if questions are raised. If you need to apply for the grant to meet your financial obligations in a property's agreement for sale and purchase, a lead time of at least 20 working days before your home purchase's unconditional date is the minimum recommended application submission time frame. 
KiwiSaver HomeStart Grant NZ

Leave your First Home Grant application too late and you could miss out on the money altogether!

Kāinga Ora advises that if grant applications are not submitted with the required four weeks’ notice, you run the risk of them being rejected and therefore the KiwiSaver First Home Grant may not be paid out. If your purchase settles before you receive your grant, you won't be able to get the money at all. This is because, as outlined below, First Home Grants can only be paid BEFORE settlement has occurred.​​​
KiwiSaver HomeStart Grant NZ

If you are going on maternity leave, you will probably need to make voluntary KiwiSaver contributions to be eligible for a First Home Grant

This is a common problem with young New Zealand families - the mother has a child, takes 12 months off work, and then is not eligible for a First Home Grant because KiwiSaver contributions were not made during the time off work.

​This article from Stuff outlines the issue specifically for a Christchurch woman - our view is that if you are going on maternity leave, you'll need to arrange with your provider to make manual, voluntary contributions to meet the 3, 4 or 5 years of contributions test. ​
KiwiSaver HomeStart Grant NZ

Buy a home as a couple or in a group and you could power up the total grant

The First Home Grant allows you to buy a property with other people, which means putting together financing could be a little easier. However, there is a grant cap per property:
  • $10,000 for the purchase of an existing/older property and 
  • $20,000 for a new home or for the purchase of land on which a home will be built.​

Whoever meets the eligibility criteria will receive a share of the total grant in accordance with their individual contributions history as long as they have not received the grant before (or received its predecessor, the KiwiSaver deposit subsidy). 
Value
Individual Grant Cap
Group (including Couple) Grant Cap
Existing Home
$5,000
$10,000
Newly Built Home or Land
$10,000
$20,000
KiwiSaver HomeStart Grant NZ

For existing home purchases, the First Home Grant CANNOT be paid as part of the deposit pre settlement - this includes the deposit after an auction

For the purchase of older/existing properties, the earliest your First Home Grant can be paid is on the morning of the property settlement, i.e. the day that you own your home. There are no exceptions to this. The purpose of the First Home Grant is to lower the total amount of mortgage you need to borrow. 

Auctions and Deposits:
If you have successfully won a property at an auction, you may have to pay a deposit to secure the rights to purchase the property. The First Home Grant CANNOT be used to pay this cost - you will need to have your own savings. 

kiwisaver homestart grant

Frequent Asked Questions - First Home Grant

As well as reading the FAQs below, it's important to know that: 
  • You must have made three years of contributions to KiwiSaver that meet the threshold
  • Your income must be below $95,000 (for an individual) or less than $150,000 (for a couple buying a home together or an individual with one or more dependants) AND
  • The property must be priced under the cap for the region - for example, you won't qualify if you're planning to buy an existing $800,000 home in Auckland as the cap is $600,000.
KiwiSaver HomeStart Grant NZ

Do I need to be a KiwiSaver member to apply for a First Home Grant?

Yes - and you'll need to have been contributing for at least three years. If you are unsure, contact your KiwiSaver scheme and they'll be able to determine if you qualify or not. If you are just short of a few months, you need to continue contributing until you reach the threshold and then can formally apply for the First Home Grant.​
KiwiSaver HomeStart Grant NZ

I am self-employed, do I qualify for the First Home Grant?

This depends on your income and contributions. If you have contributed at least three years in total to KiwiSaver and earn below the $95,000 individual or $150,000 group limit for the last 12 months on the date you apply, you should qualify. You'll need to check your contributions have met the threshold - your KiwiSaver provider will be able to assess this for you.
KiwiSaver HomeStart Grant NZ

I have had a number of employers in the last few years - do I qualify for the First Home Grant?

Yes, as long as you have met the minimum contributions depending on your employment background. First Home Grant only considers whether you've made 3, 4 or 5 years of contributions, so if you've made 3.5 years you won't qualify for a higher grant than the 3-year level.  

It's important to know that the 3, 4 or 5 years don't have to be consecutive - if you've gone overseas, been in between jobs and/or gone on maternity leave, Kāinga Ora only looks at the total years contributed so you are not penalised. 

​As a guide, the following income types would require the associated number of contributions:

Salary & wage earners – automatic deductions from salary & wages - add up the number of months you contributed, divide it by 12 (i.e. 12 months per year) and you'll have the number of years you contributed to. 

Self-employed or beneficiary – voluntary contributions - as these are made (at least) annually, add up the number of years where you made contributions and if it is 3 or above, you have met the contribution requirement. 

Mixed salary/waged/benefit and self-employed – if you've experienced a number of employment situations, combination of automatic and voluntary contributions. ​The total number of months in which regular contributions are received divided by 12 – salary/wage portion

​Plus the number of contributions per number of years of self-employment/beneficiary income equals or exceeds the relevant period for which the grant is sought (3, 4 or 5 years) – self employed/benefit portion.
KiwiSaver HomeStart Grant NZ

Do I apply for the KiwiSaver First Home Savings Withdrawal on the same form as my First Home Grant?

No. They are separate processes and need to be applied for on different application forms. To withdraw your KiwiSaver contributions, you will need to contact your KiwiSaver scheme provider directly and follow their process. 
KiwiSaver HomeStart Grant NZ

I've been living overseas and have just come back to New Zealand and want to buy a home - can I get the First Home Grant?

The answer is simple - it depends on the contributions you have made; unless you have contributed to KiwiSaver for a minimum of three years, you won’t be eligible. This means if you left New Zealand in 2016 but contributed from 2012 to 2015, you would most likely be eligible. To be sure, you'll need to submit an application with your KiwiSaver contribution statement - see the application process below for more details. 
KiwiSaver HomeStart Grant NZ

What does "new property" mean, and does it include a new apartment?

"New property" is defined by Kāinga Ora​ as:
  • A vacant residential section on which a new dwelling will be built (i.e. bare land section)
  • A house and land package purchased off the plans (i.e. purchased from a builder or developer)
  • A new apartment built off the plans
  • A newly built property that has received its building code compliance certificate less than six months before the date of the buyer’s First Home Grant application
KiwiSaver HomeStart Grant NZ

I have an existing agreement to buy a house/land package (or apartment) a few months ago. The development has not completed yet - can I apply for a First Home Grant?

Yes, in most situations, you are eligible as you are not a "homeowner" yet by definition, and if you still have 4+ weeks before the settlement date, there is enough time to process the application. Any funds granted would be given to your lawyer and held on trust until settlement date. 

kiwisaver homestart grant

The First Home Grant Application Process

Make the application hassle-free by getting organised and gathering the necessary documents well in advance as you take steps to purchase a home. To apply for the First Home Grant, follow these two steps:

Step 1: Gather the following supporting documents:
  • Proof of income - Proof of your total income earned in the last 12 months. If you are buying a house with others, you'll also need their confirmation of the income they earned in the last 12 months as well. The Kāinga Ora website has specific guidance for income assessment evidence. 
  • Your KiwiSaver contribution statement - this has to be a transaction statement, not a closing balance of money.
  • Identification - A photocopy of your passport, birth certificate or driver’s licence in the name you are applying with.
  • Copies of pay slips for the last two months.
  • A signed copy of an agreement for sale and purchase, a fixed price building contract or a contract with a builder/developer for a yet to be built property, if applicable.
  • Evidence that you have a deposit of at least 10% of the purchase price (unless applying for pre-approval).
  • A proposed settlement date/grant payment date at least four weeks away if applicable (unless applying for pre-approval).
 
Step 2: Apply and submit your documents:
  • Complete the  Kāinga Ora online application form and follow all specific guidance.
  • Attach the documents you gathered in Step 1 above and submit these to  Kāinga Ora - all details are outlined in your online application form. ​

kiwisaver homestart grant

Tips for Talking to Banks and Mortgage Brokers with Confidence

Mortgage Brokers
  • Mortgage Brokers are professionals who can offer a lot of guidance when buying a house, as well as get you bank-beating mortgage rates.
  • Mortgage Brokers can be found all over the country. They offer advice for free and help you navigate the process of being a home owner.
  • Best of all, you don't pay them. Mortgage brokers make their money from commissions they earn when you sign up for a mortgage - but you're under no obligation to choose one of their deals if you can get a better deal by yourself. 

Our view is that mortgage brokers are a first home buyer's best friend and a good mortgage broker can even teach you how the whole house-buying process works. Of course, make sure you do your research - our guide to mortgage brokers is a great place to start. 

Banks
  • The best approach is to contact 3 or 4 banks and ask them what their best interest rate is - what you see advertised is often not what you will be offered. You can take the quotes you receive to the banks and ask them to beat each other.
  • You will need to know how much KiwiSaver funding you can obtain (either First Home Grant and/or Withdrawal). You're generally at an advantage for your first home purchase where you can do a quick settlement on a house if the vendor wants that, because it lets you negotiate a good purchase price.
Related Guides
  • Mortgage Calculator
  • Mortgage Brokers
  • ​KiwiSaver Hardship - ​if you're a KiwiSaver member and struggling with your finances, our guide explains everything you need to do to ask for an early redemption
  • Contributions holiday - if you're wanting to take a break from contributing, our guide explains your options
  • ​KiwiSaver First Home Withdrawal Guide - if you want to use your KiwiSaver balance for a house deposit, our guide explains everything you need to know
  • Your contributions - You can choose how much to contribute. Find out what happens when you go on leave, receive a benefit or entitlement, or have a tax debt
  • Your employer's contributions - If you're a KiwiSaver member making contributions from your pay, your employer will also contribute to your KiwiSaver savings
  • Government contributions - To help you save, the Government will make an annual contribution towards your KiwiSaver account as long as you meet certain conditions.​
  • Voluntary contributions - make voluntary contributions (or lump sum payments) at any time, either directly to your KiwiSaver provider or through Inland Revenue​
  • ​KiwiSaver and tax - KiwiSaver contributions are deducted from your before-tax pay, and our guide explains everything you need to know.
  • How to check your KiwiSaver contributions - Keeping track of your KiwiSaver contributions is easy with 'My KiwiSaver'
  • KiwiSaver Withdrawal - If you joined KiwiSaver on or after 1 July 2019, you can withdraw your savings when you qualify for NZ Super (currently 65)
  • KiwiSaver Providers - ​You can choose which scheme to join, even if you're provisionally allocated to an employer-chosen/default scheme
  • Opting out of KiwiSaver - If you're a new employee who's been automatically enrolled, you can choose to opt out of KiwiSaver
  • KiwiSaver Fund Selection Guide - ​10 Must-Know Facts Revealing Everything You Need To Know About KiwiSaver
  • KiwiSaver Calculator - our retirement calculator considers KiwiSaver contributions, how much you earn right now, how much you plan to spend during retirement, and how old you are, among other factors
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  • Power
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  • Financial Independence
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      • Average NZ Salary by Age
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      • Bankruptcy Guide
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      • Financial Planning for Children With Disabilities
      • Should I Stop Contributing to KiwiSaver?
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      • Impacts of Inflation in New Zealand - 2022 and Beyond
      • Tips for Families on a Single Income
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  • Trade & Professional Services
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