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

Our definitive guide explains what conveyancing is, the difference between a lawyer/solicitor and a registered conveyancer, how to appoint someone, the fees and must-know tips to get the best conveyancing experience possible
Conyancing Guide NZ
Updated 20 July 2025​
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Summary
  • Whether it’s purchasing a first home or selling an investment property, anyone dealing with a land-related transaction will come across conveyancing.
  • Conveyancing is the transfer of legal ownership of a property from one person to another, and it involves a fair bit of paperwork. Because of the risk and high-value nature, you will likely seek the assistance of a solicitor or a registered conveyancer to help you.
  • They will help you wade through the legalese, complete due diligence and provide you with advice along the way.
  • Buying and selling property, as well as the financing associated with it, is complex, time-intensive and a costly process, where many things can go wrong.
  • For such a major transaction, you want to have an experienced conveyancing professional on your side. Our guide outlines to find one that’s best for your needs.

Our guide covers:
  • What is Conveyancing?
  • Choosing a Conveyancer - Understanding the Difference Between a Solicitor and a Registered Conveyancer
  • Where do I Find a Lawyer or Conveyancer?
  • How Should I Choose Which Lawyer Or Registered Conveyancer To Work With?
  • Understanding Fees
  • Instructing Your Conveyancer
  • Five Tips For Getting the Best Conveyancing Experience Possible
  • What Happens If I’m Unhappy With My Conveyancer?

Disclaimer:
  • The information in our guide to conveyancing does not constitute any form of legal advice, financial advice, advice in general, recommendation, representation, endorsement or arrangement by us.
  • The information is not intended to be relied upon by you in making (or deciding not to make) any specific transaction decision or other decisions.
  • You must carry out your own research into the most suitable conveyancing professional - a lawyer, solicitor, conveyancer, or someone else.

What is Conveyancing NZ

What is Conveyancing?

  • Conveyancing involves transferring legal ownership of property from one person to another. You’ll encounter conveyancing if you buy or sell a property.
  • You may also come across conveyancing if you are financing or refinancing your property, where you pay your existing loan with a new loan that has better terms.
  • Conveyancers handle the paperwork required to make this transfer of ownership happen, from preparing draft contracts to arranging payment for the property. 

While every sale or purchase of property is different, you can expect a conveyancer to help you with:
  1. Sale and purchase agreement: This is the contract between buyer and seller. A conveyancer will help you review the agreement, explain the key terms and risks, and witness your signature. They can also help you with any of the conditions set out in a sale and purchase agreement, such as ordering a building report.
  2. Helping you with due diligence: If you are buying property, you will have to do your homework to ensure your investment will be a good one. A conveyancer will help you with this. 
  3. Search titles: They will conduct a title search to see if there is any legal information that will affect you, like whether there are covenants (rules governing how a landowner can use their piece of land) or easements (rights for another person to use the landowner’s land for a particular purpose) on the land. 
  4. LIM reports: They will often help you access a Land Information Memorandum, which is a summary report on the property containing information such as permits and consents issued by the council, access to utilities, and potential hazards that affect the property. Your conveyancer will help you review this information.
  5. Financing a purchase: Your conveyancer will help you with the mortgage and loan documents that lenders require. They can also help you with securing a Homestart grant and withdrawing your KiwiSaver funds. 
  6. Arranging transfer documents: There are other legal documents to prepare for transfers of ownership. Your conveyancer will handle this and explain what these documents mean.
  7. Completing the deal: On settlement day, the purchaser’s conveyancer will make sure funds are sent, while the seller’s conveyancers make sure the title is transferred to the purchaser.

Conveyancing NZ Guide

Choosing a Conveyancer - Understanding the Difference Between a Solicitor/Lawyer and a Registered Conveyancer

A solicitor/lawyer or a registered conveyancer can do conveyancing. We outline the differences between the two types of conveyancing professional:

Solicitor/Lawyer
  • Expertise: A lawyer will typically have a few areas of legal expertise. Conveyancing is done by solicitors who are familiar with property law and conveyancing.
  • Training and qualifications: A lawyer must hold a law degree, which is a minimum of four years’ study and includes education across multiple areas of law. They must also complete further study after graduation to be admitted to the bar.  
  • Practice: A lawyer often works in a law firm with other lawyers, enabling them to share resources and expertise. Some lawyers will work independently with legal executives and other assistants to help manage tasks like preparing certain documents, conducting research and filing cases. 
  • Regulator: The New Zealand Law Society regulates lawyers, and they must hold a practising certificate from the Law Society if they want to practice in New Zealand. The New Zealand Law Society establishes and enforce rules of conduct and investigates complaints against lawyers.

Registered Conveyancer
  • Expertise: A registered conveyancer is focused on property law and conveyancing.
  • Training and qualifications: A  person can become a registered conveyancer in two ways. They could study towards a diploma of conveyancing, which is a two-year course. Alternatively, they could work in conveyancing and apply to become a registered conveyancer after gaining five years of experience. 
  • Practice: A registered conveyancer may work at a law firm or operate independently. Before a registered conveyancer can apply to operate independently, they must have been supervised for two years post-registration. You can access the services of a registered conveyancer by making an appointment at physical offices, or you may be interested in working with online conveyancers. 
  • Regulatory body: The New Zealand Society of Conveyancers (NZSOC) regulates conveyancers. The Society of Conveyancers also sets out client care guidelines and investigates complaints against conveyancers. 

When it comes to choosing which type of conveyancing professional to do the job, you should think about: 
  1. How much will it cost? Land transactions are already costly enough, so you probably don’t want to incur a large bill for conveyancing if you can avoid it. Registered conveyancers are likely to charge lower fees compared to solicitors, but that depends on many other factors. The size of the practice (how many people the firm employs), the conveyancing professional’s amount of experience and the cost of living in the region (Auckland vs Dunedin etc.) will affect fees. For this reason, we cannot give an answer because there are many factors that go into the total cost.
  2. What kind of interaction do you want? Do you prefer to have one point of contact who you go to throughout the conveyancing process? You’re less likely to have a single person dedicated to your case if you engage a large law firm. Do you like face to face meetings, or are you happy with phone calls and video calls? You are unlikely to have many in-person meetings (if at all) if you use an online conveyancing service (where the conveyancer works remotely) or a conveyancing professional based in another region.
  3. Are there other legal questions you want to be answered that relate to this land transaction? The sale and purchase of land often triggers other legal issues. Some common ones are:
    • Estate planning: A person may want to arrange how their assets will be dealt with on their death. For example, the person may own land and wish it to be transferred to a family member when they die. 
    • Ownership structures: A person may want to achieve certain legal objectives concerning their assets. Common objectives include attaining tax benefits and protecting assets from others. In New Zealand, it’s very common for a person to buy a property and transfer it to a trust. Doing this means the person no longer “owns” the property. However, depending on the trust’s structure, the person may still be able to reap the benefits associated with property ownership (e.g. accessing income generated through renting out trust property).   
    • Relationship property: A person who has been, will be, or is currently in a relationship may want to know how their relationships will affect the assets that person owns. For example, person A may have owned a property before marrying person B, and now person A wants to add person B as a joint owner of the home. 
    • Enduring Powers of Attorney: Person A may grant person B an enduring power of attorney. This means if for some reason, person A can’t make decisions on their personal or financial matters (like if person A falls into a coma or becomes mentally incompetent), person B can step in to make these decisions. Person B is called an attorney, and they may have to deal with the sale of person A’s properties. 

Important: A registered conveyancer often cannot provide advice on these issues, while a solicitor (or their law firm) can. Engaging a solicitor is, for this reason, the most common choice in such situations as they take care of both your conveyancing and provide legal advice on these associated issues. 

Important: How much do you value being able to track the progress of your conveyancing?
Smaller law firms and conveyancing practices may not use online tools that allow you to track progress at any time.

Next Steps:

  • We suggest considering working with a lawyer if your land transaction involves other legal questions or is particularly complicated.
  • If you choose a lawyer to help you with the conveyancing, make sure your lawyer is familiar with property law and conveyancing (while this sounds obvious, not everyone is, so it's best to go with experienced professionals).
  • If your transaction is relatively straightforward, a registered conveyancer is an option and you'll be able to take advantage of lower fees (compared to a lawyer).
  • Online conveyancing services are typically cheaper than non-online services. Conveyancing is done remotely, and the documentation can largely be completed without face to face meetings. However, you may need to visit a Justice of the Peace to witness certain documents. 

Conveyancing NZ Guide

Where do I Find a Lawyer or Conveyancer?

Once you know which type of conveyancing professional you’d like to engage, the next step is to identify a few solicitors or registered conveyancers to contact. A few starting points are:
  • Ask friends and family for their recommendations, especially if their land transaction took place in a similar location to your property. Friends and family will be able to provide you with their personal experience working with a particular conveyancing professional, which can be helpful for your shortlisting.  
  • Use online directories. If you want to engage a solicitor, you can search the Property Lawyers database here. You’ll see that solicitors with over ten years of property law experience are highlighted.
  • If you want to engage a registered conveyancer, you can search the New Zealand Society of Conveyancers’ registry here.
  • Your real estate agent or mortgage broker may recommend certain conveyancing professionals. While these conveyancers may indeed provide great service at a great price, don’t take these recommendations without doing your own research, as there is often a financial incentive for your real estate agent or mortgage broker to recommend a certain conveyancer.
  • Your lender may also provide recommendations for conveyancers. Again, you should be aware of a possible commercial relationship between your lender and any conveyancers they recommend.

Conveyancing NZ Guide

How Should I Choose Which Lawyer Or Registered Conveyancer To Work With?

After shortlisting several conveyancing professionals to contact, you should investigate which one is best for you. Who you choose to instruct depends on your circumstances and your priorities. Here are ten questions to ask:
  1. Is this person registered with their respective regulatory body? You want to make sure whoever is doing your conveyancing has the right qualifications and understands their society’s code of conduct. You can ask the solicitor/registered conveyancer themselves, search the registry online for the relevant society, or get in touch with the society. 
  2. What kind of reputation does this conveyancing professional have? Look at Google reviews, testimonials on their website or recommendations on LinkedIn. If you know anyone who has used the solicitor/registered conveyancer before, ask what they thought. 
  3. How much experience does the conveyancing professional have? While an experienced conveyancer may cost more per hour, they will likely do a better job than an inexperienced conveyancer. Ask the conveyancing professional about their experience and familiarity with the circumstances of your land transaction.
  4. How much does this solicitor/registered conveyancer charge? Compare fees before making your decision. Don’t be afraid to ask for cost estimates from several different conveyancing professionals. 
  5. Is the solicitor/registered conveyancer familiar with the region in which your property is situated? A conveyancing professional who is across recent developments in the neighbourhood and changes to local regulation can complete the due diligence process faster (and probably arrive at more accurate conclusions) than a professional with no local knowledge. 
  6. If you wish to instruct a solicitor, do they have property law expertise? Look for a law firm that exclusively does conveyancing or that specialises in property law. While all registered conveyancers are very familiar with property law, not all solicitors will be. Some solicitors may not have touched property law since law school years ago, so make sure you ask.
  7. Does this person/their practice have time to take on my conveyancing? You may have found your ideal conveyancer, but it’s no good if they don’t have the capacity to take on your transaction. The person you wanted to handle your matters may have a holiday booked in during the period in which you need conveyancing done, or they may be about to take parental leave. If your preferred conveyancer is unavailable, would you be open to waiting until they have capacity? In most cases, the answer is likely to be no.
  8. Who will have responsibility for your conveyancing work? An experienced conveyancing professional will typically be responsible for your conveyancing work. Sometimes, the actual execution (or part of it) may be passed on to their colleagues with less experience while the senior practitioner provides oversight. This is especially common at large law firms. Ask who has final responsibility for the conveyancing and inquire into the credentials of anyone else who will be working on your matter. 
  9. Does this person/their practice communicate well with you? Even in the early stages, how do you feel about the interactions with the solicitor/registered conveyancer? Do they communicate professionally? Do they use plain English and take the time to explain legal concepts to you? Do they respond to your inquiries in a timely manner and with patience and empathy? 
  10. How easy is it to track progress made on your conveyancing? Some practices have online tracking interfaces that make it easy for you to keep tabs on progress. Some practices are very proactive about providing clients with updates on how their conveyancing matters are coming along.

Conveyancing NZ Guide

Understanding Fees

For most people, fees are an important factor in choosing a conveyancer. The major cost buckets for conveyancing fees are time costs (time spent on your conveyancing matter), disbursements, GST, office fees and urgency fees. 

There are different ways your fees could be structured. You may pay one fixed fee, regardless of how much time your conveyancer spends. Alternatively, you may be charged on a time basis, where your conveyancer charges you a certain amount per hour. As another alternative, you may be charged a percentage of the value of your property. 

With the other cost buckets, make sure you know what is included and what isn’t included when you receive your cost estimate. 
  • Disbursements are costs incurred in the conveyancing process that don’t go to the conveyancer. For example, your conveyancer pays a fee for conducting each title search on Land Information New Zealand.  
  • Some practices charge additional office fees for costs such as photocopying and printing, and couriers.
  • Some practices may also charge extra if any work needs to be done under urgency.
 
Must Know Tips: Don’t settle for the cheapest option just because it’s the cheapest.
  • Your land transaction is probably worth several hundred thousand dollars (or even millions of dollars). When such a large sum of money is at stake, and there’s a lot of room for things to go wrong, you don’t want to skimp on your conveyancing.
  • Paying a couple of hundred dollars extra for a great conveyancer will reduce your headaches throughout the transaction and may save you thousands of dollars in the long run if a problem arises.
  • You should be particularly conscious of not going for the cheapest option if you are the purchaser. New Zealand law supports the principle of “caveat emptor” (buyer beware). This means that a buyer who carelessly makes a purchase and then suffers buyer’s regret will have little legal protection. In this case, you want to ensure your conveyancing professional does a good job of legal, due diligence and completes the conveyancing documents.
  • When you’re comparing fees from different conveyancing professionals, are there any that are particularly low? If so, ask why. Request a detailed breakdown of the fees so you can identify whether any of the cost buckets have been excluded.
  • You should also be aware of what happens if the sale or purchase falls through. It’s a good idea to clarify early on how an unsuccessful sale/purchase will impact your fees. Is it “no move, no fee”? Will you receive a discount? Ideally, you should ask these questions before you agree to engage a particular person or practice to act on your behalf. If you’re paying a fixed fee or fee as a percentage of the property value, you should also ask how many unsuccessful attempts your fixed fee includes.

Conveyancing Guide NZ

Instructing Your Conveyancer

Now you’ve selected your conveyancer, let’s go through what to expect at each stage of the conveyancing process. We’ve highlighted a few things for you to look out for at each major step.
  1. Engagement of your conveyancer: the first thing you should expect from your conveyancer is a letter of engagement. This will list the terms on which your conveyancer will act for you and the fees you will be charged. You should read this document carefully and ask if you don’t understand any of the terms before you sign. Once you have confirmed that the conveyancer will act on your behalf, let your real estate agent and lender know.
  2. If you are a purchaser making an offer at an auction: your conveyancer will work with you to conduct due diligence on the property up for auction before the auction occurs. Armed with plenty of information, you can be confident making bids at the auction.
  3. If you are a purchaser making an offer through negotiation: if the seller is interested, the real estate agent will give your conveyancer a draft of the sale and purchase agreement for review. Your conveyancer may revise this agreement for your benefit, such as adding conditions into the contract. You’ll need to clarify whether you’re happy with this revised agreement – if you are, it will be sent to the seller as an offer to purchase the property on the terms outlined in the agreement. This process can happen very quickly, over 24-48 hours.
  4. The condition process: once the seller has accepted your offer to purchase, the condition process begins. During this time, you’ll work with your conveyancer and mortgage broker to confirm financing for your purchase. If you’re not purchasing through auction, you’ll also conduct your due diligence during this time to make sure the property doesn’t contain any nasty surprises.
  5. Loan documentation: after your lender arranges final approval of your home loan, they will send a set of home loan documents to your conveyancer. Your conveyancer will review these documents and complete most of this paperwork, which you should expect to take a minimum of 48 hours. After this, your conveyancer will typically arrange a meeting with you to explain what the documents mean and the impact of signing the documents. Bring a form of photo identification (your passport or drivers’ licence) to this meeting as your conveyancer will need it to complete mandatory anti-money laundering checks.
  6. Transfer of funds: once your loan documents are signed, your lender will wire the money to your conveyancer’s trust account. You will also transfer your deposit into your conveyancer’s trust account.
  7. Completing the deal: your conveyancer will ensure that you and the other party have signed the sale and purchase agreement. On settlement day, conveyancers make sure the money is transferred to the seller and the title transferred to the buyer. The seller then gives the keys to the property to the real estate agent.

Conveyancing NZ Guide

Five Tips For Getting the Best Conveyancing Experience Possible

  1. Communication is key. As in any relationship, professional or otherwise, regular communication makes everyone’s life better. Tell your conveyancer what you expect from them overall and from a communication perspective. When do you want to receive updates? How do you want to do communications – do you prefer emails, phone calls, or in-person meetings?
  2. Flag important information from the outset. For example, let your conveyancer know about timelines and key dates well in advance so they can plan around it.
  3. Work collaboratively. Provide as much relevant information as early as you can to help them complete their work. Establish what your conveyancer will do and what you need to do.
  4. Ask about anything you don’t understand. It’s your conveyancer’s job to explain the conveyancing process to you; there are no silly questions. The last thing you want is to sign a document you don’t fully understand for a transaction as big as a property sale or purchase. Collect questions as they crop up, so you have a list of them to ask your conveyancer at meetings.
  5. Prepare for meetings. Ask your conveyancer beforehand if you need to bring anything with you. Think of any questions beforehand so you can have these clarified during meetings. Take notes so you can refer to them later if you forget anything important.

Conveyancing NZ Guide

What Happens If I’m Unhappy With My Conveyancer?

Unfortunately, you may experience a situation where you’re unhappy with the work that your conveyancer has done or billed, or the service has affected the settlement on a property. This is the usual process to resolve such issues:

1. Raise the issue 
The first step is to bring up the matter with your conveyancer. Explain why you’re unhappy and provide the context. Ask for an explanation from your conveyancer – perhaps they have a valid reason. 

2. Make a complaint
If you’re not satisfied with your conveyancer’s explanation or if the same issue crops up again, you can lodge a complaint. Your conveyancer’s letter of engagement should contain information on how to make a complaint. To prepare, you should think about:
Are there formal grounds on which you can complain? A conveyancing professional must:
  1. Follow your instructions and act in your best interests.
  2. Do their work to a high standard and on time.
  3. Explain what they will do in a way that you understand
  4. Charge you a reasonable amount and explain what you will be charged for 
  5. Protect your privacy 
  6. Treat you professionally and respectfully. 
  7. Keep you updated on the progress.
  8. Deal with complaints fairly and quickly

What’s your ideal outcome? Do you want your fees reduced? Do you want a sincere apology? Do you want a complete refund?
What evidence do I have? Gather as much evidence as possible. Have examples ready and collect important information such as dates, times and names. 

Document everything that happens during the complaints process, from your preparation to your conveyancing professional’s response. If the same issue crops up again or if you’re still unsatisfied with the outcome, you’ll have strong evidence to make a formal complaint to the professional’s regulatory body. 

3. Dispute resolution through regulatory bodies
If you are very unhappy with your conveyancer, you can escalate your complaint to the Law Society or the Society of Conveyancers. These societies will generally hear complaints about misconduct, poor service/professionalism, and fees (over $2,000 for lawyers and $500 for conveyancers).

A Standards Committee will look into your complaint. The Committee may recommend mediation or negotiation to settle the dispute. The Committee may also conduct a formal inquiry into your conveyancer’s behaviour. In this case, the Committee may order that your conveyancer apologises to you, pay you up to $25,000 in compensation for any losses, fix their mistakes at their own cost, pay a fine, or reduce/refund your fees.

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  • Credit Cards
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      • Kiwibank Airpoints Cards Have Ended – Best Replacement Options
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      • ANZ vs AMEX vs Westpac Platinum Airpoints Credit Cards
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    • Reviews
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        • Qantas Credit Cards
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    • Travel Money By Country
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  • Banking & Savings
    • Banking
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    • Savings
      • Best Term Deposits
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      • Booster Savvy Review
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    • Guides and Resources
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    • Reviews
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  • Mortgages
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      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
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      • First Home Loan Guide
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      • Saving for a House Deposit
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      • Top 10 Areas for First Home Buyers 2025
      • Buying a Home with Family and Friends
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      • Mortgage Overpayment Calculator
      • What To Do if You Bought a House at the Peak of the New Zealand Market
      • Tips for Seniors Renting or Paying Down a Mortgage
      • Remortgaging Guide
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      • Amortisation Calculator
      • Mortgage Break Fees
      • Defaulting on a Mortgage
      • High Deposit Mortgages
      • Negative Equity
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      • Mortgage Refinance Calculator
    • Mortgage Brokers
      • Mortgage Brokers Explained
      • Trusted Auckland Mortgage Brokers
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      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
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      • Trusted Mortgage Brokers in Christchurch
      • LifeDirect Mortgages Review
    • Buying a Home
      • First Home Buyers Checklist
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
      • Buying an Apartment in New Zealand
      • Buying vs Renting a House
    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • Every Tax Deduction Property Investors Can Claim
      • Trusts vs LTCs vs Companies
      • Investment Property Mortgages
      • 20 Property Investment Risks You Can't Ignore
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • NZCB Review
      • Average Building Cost Per Square Metre
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      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Our Favourite KiwiSaver Funds
      • Best Performing KiwiSaver Funds
      • Milford vs ANZ KiwiSaver Growth Funds Comparison
      • Free $500+ Government Money for KiwiSaver
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • How Aggressive Should KiwiSaver Be
      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
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      • KiwiSaver Robo and Digital Advice Tools
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      • Feijoa Review
    • KiwiSaver Schemes
      • AMP KiwiSaver Scheme
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      • kōura Wealth KiwiSaver Review
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        • MAS Review
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    • KiwiSaver Calculators
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  • Business Loans & Tools
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    • For Startups
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  • MSD
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