MoneyHub NZ
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  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
          • Stake Black Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Invest Direct Review
        • InvestNow Review
        • Kernel Review
        • Kernel Shares & ETF Investing Review
        • Interactive Brokers
        • Smart Review
        • Catalist Review
      • Comparisons
        • Sharesies vs Hatch vs Stake
        • Kernel vs Smart
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Invest Direct and more
        • Best Investment Apps
        • How Do I Start Investing?
        • Virtual Stocks and Shares Trading Games
      • Guides
        • How to Invest in Shares
        • Investing 101
        • Investing in Vanguard Funds from New Zealand
        • Investing in the US Stock Market from New Zealand
          • How To Buy Tesla Shares
          • How To Buy Apple Shares
          • How To Buy Amazon Shares
          • How To Buy Alphabet Shares
          • How To Buy Netflix Shares
          • How To Buy Microsoft Shares
          • How To Buy Meta Shares
        • US Extended Hours Trading Explained
        • What Happens If Your Investing Platform Shuts Down?
        • Fractional Shares
        • Transferring Share Portfolios
        • How to Read and Understand a Share Chart
        • NZX in a Nutshell
        • Investing in the ASX from New Zealand
        • Investing in Asian Markets from New Zealand
        • Understand Gross vs Net
        • How to Attend the 2026 Berkshire Hathaway Annual Shareholders Meeting
    • Introduction to Investing
      • Guides
        • Index Funds
        • ETFs (Exchange Traded Funds)
        • Cash Funds
        • Index Funds vs ETFs
        • 10 Ways to Invest in New Zealand
        • Compound Interest Explained
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • Investing in the S&P 500 from New Zealand
        • Best Retirement Income Products in New Zealand
        • Shares vs ETFs
        • Shares vs Property Investment
        • Dollar Cost Averaging Guide
        • Margin Lending and Loans Explained
        • Borrowing to Invest in Property, Shares or Funds
        • Passive Income Strategies
        • How Wealthy New Zealanders Invest Their Money
        • The Best Way to Invest Inheritance or a Windfall
        • Barefoot Investor-Friendly Financial Products in New Zealand
        • Investment Terms Glossary
        • IPOs
        • Investing in Dividend Shares
        • Common Shareholder Numbers in New Zealand
        • Shorting a Stock
        • Investing vs Trading vs Gambling
        • Investment Strategies for the Time-Poor
        • Advanced Trading Concepts
        • New and Emerging Investment Opportunities and Trends
      • Young People and Investing
        • Investing for Kids
        • Investing For Grandchildren
        • 10 Top Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
        • Dosh Review
      • Investing Calculators
        • Term Deposit Calculator
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Managed Funds
          • Pie Funds Management Review
          • Booster Private Land and Property Fund Review
          • AMP Managed Funds Review
        • Our Favourite Managed Funds
        • Advisers
          • Financial Advisers Overview
          • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
          • Financial Advisers Auckland
          • Financial Advisers Hamilton
          • Financial Advisers Tauranga
          • Financial Advisers Napier & Hastings
          • Financial Advisers Palmerston North
          • Financial Advisers Wellington
          • Financial Advisers Lower Hutt & Hutt Valley
          • Financial Advisers Nelson & Tasman
          • Financial Advisers Christchurch
          • Financial Advisers Dunedin
          • Lighthouse Financial Services Review
        • Bank Credit Ratings
        • Depositor Compensation Scheme (DCS) Explained
        • Tax on Investments and Savings
        • Capital Gains Tax
        • Bright-Line Test
        • Ethical Investing
        • Best ESG Funds
        • Asset Allocations to Build Wealth
        • Managing Offshore Investments for Returning New Zealanders and Migrants
        • How to Buy and Sell Bonds
        • Buying NZ Corporate Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowdfunding Guide
        • REITs Guide
        • Jasper Review
        • Investing & Personal Finance Podcasts
        • Emergency Funds
        • UK Pension Transfer to New Zealand
        • 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
        • Lending Crowd Review
        • Squirrel Review
        • Sharesight Review
        • Lifetime Retirement Income
        • New Zealand Financial Markets Authority (FMA)
      • Calculators
        • Managed Funds Fee Calculator
        • Basis Points Calculator
        • Inflation Calculator
        • Retirement Calculator New Zealand
    • Alternative Investments and Trading
      • Reviews
        • BlackBull Markets Review
        • CMC Markets Review
        • Plus500 Review
        • IG Review
        • TMGM Review
        • CMC Markets vs Plus500 vs IG Markets vs BlackBull Markets
      • Guides
        • How to Invest in Gold
        • How to Invest in Silver
        • Forex Trading Guide
          • Forex Trading Platforms Comparison
          • Forex Trading Tools
          • Forex Trading Courses and Education
          • Forex Regulation
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Copy Trading
      • Cryptocurrency
        • Reviews
          • Easy Crypto Review
          • Swyftx Review
          • Binance Review
          • Easy Crypto vs Swyftx
          • NZDD Review
          • Independent Reserve Review
          • eToro Review
          • Coinbase Review
          • Kiwi-Coin Bitcoin Exchange Review
          • Vault International Bitcoin Fund Review
        • Guides
          • How to Buy Bitcoin in New Zealand
          • Beginner's Guide to Bitcoin and Blockchain
          • Stablecoins
          • Guide to NFTs
          • Bitcoin Wallet Guide
          • Bitcoin Mining
          • How to Sell Bitcoin
          • Bitcoin and Crypto Scams
          • Initial Coin Offerings
          • A Beginner’s Guide to Investing in Cryptocurrencies
          • Decentralised Finance
          • Bitcoin in New Zealand
          • New Zealand Bitcoin Exchanges
          • How to Buy Ethereum in New Zealand
          • Other Coins
            • How to Buy Ripple in New Zealand
            • How to Buy Cardano in New Zealand
            • How to Buy Dogecoin in New Zealand
            • How to Buy Litecoin in New Zealand
            • How to Buy Polkadot in New Zealand
  • Loans & Finance
    • Car Finance
      • Car Finance Calculator
      • Electric Vehicle Loans
      • How to Refinance Your Car Loan
      • Car Loan Refinance Calculator
      • Car Dealership Finance vs Alternatives
      • Motorcycle and Moped Loans
      • Motorcycle and Moped Loan Calculator
      • Asset Finance
      • Asset Finance Repayment Calculator
      • Business Vehicle Loans
      • Bad Credit Car Loans
      • Car Loan Brokers vs Direct Car Finance
      • Car Loan Amortisation Calculator
      • Car Finance Company Reviews
        • Simplify Loans Review
        • Toyota Finance Review
        • Mazda Finance Review
        • MTF Finance Review
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • Lending People Review
        • Driva Car Loans Review
      • Car Finance Must-Knows Guides
        • Buying a Car Loan vs Personal Loan?
        • Car Loans and Collateral
        • Car Loan Guarantors
        • How to Save for a Car
        • Paying Cash for a Car vs Car Finance
        • Balloon Payments
        • Boat Financing Calculator
      • Car Finance Add-On Insurance Guides
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • Compare Mechanical Breakdown Insurance
        • PPI (Payment Protection Insurance)
    • Personal Loans
      • Debt Consolidation Loans
      • Secured Loans
      • Green Loans
      • Home Renovation Loans
      • Online Loans
      • Bad Credit Loans
      • Beneficiary Loans
      • Payday Loans
      • Cash Advance
      • Same Day Loans
      • Low Income Loans
      • Personal Loan Calculator
      • Debt Consolidation Calculator
      • The Dangers of Debt Consolidation
      • Refinance Personal Loan Calculator
      • Home Renovation Loan Calculator
      • Interest Calculator
      • Harmoney Loans Review
      • Money Sweetspot Review
      • Nectar Review
      • Avanti Finance Review
      • Save My Bacon Review
    • Credit Scores & Interest Rates
      • Credit Scores and Credit Checks
      • How to Build Credit in New Zealand
      • How to Pay Down Debt Faster
      • Baycorp and Debt Collection
      • Interest Rates Guide
      • Interest Rate Comparison
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Compare Insurance
      • Compare Car Insurance
      • Car Insurance by Vehicle
        • Compare Toyota Aqua Insurance Costs
        • Compare Toyota Corolla Insurance Costs
        • Compare Toyota Hilux Insurance Costs
        • Compare Mazda2 and Demio Insurance Costs
        • Compare Ford Ranger Insurance Costs
        • Compare Nissan Navara Insurance Costs
        • Compare Subaru Legacy Insurance Costs
      • Reviews & Policy Comparisons
        • AMI vs AMP vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
        • Cove Car Insurance Review
        • 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 and Other Insurance
      • House Insurance
      • House Insurance Calculator
      • Best Holiday Home and Airbnb Insurance Policies
      • Difficult to Insure Areas
      • Sum Insured Explained
      • Is Your Home an Insurance Risk?
      • Average Cost of Car, House, and Contents Insurance
      • Insuring Old Houses
      • Contents Insurance
      • Home and Contents Insurance
      • Renters' Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Insurance Company Financial Strength Ratings
      • Motorbike Insurance
      • Initio Review
      • Insurance Brokers
        • Trusted Insurance Brokers in Wellington
        • Trusted Insurance Brokers in Christchurch
    • Compare Pet Insurance
      • Is Pet Insurance Worth Buying?
      • Cat and Dog Desexing
      • Getting a Kitten
      • Buying a Puppy
      • Pet Euthanasia
      • Vet Costs in New Zealand
      • Dog Vaccination Schedule and Costs
      • Costs of Owning a Cat
      • Costs of Owning a Dog
    • Students Insurance
    • Life & Health Insurance
      • Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • Stepped vs Level Life Insurance
        • Life Insurance Calculator
        • Pre-Existing Medical Conditions
        • Buying Life Insurance Direct vs Using an Insurance Broker
        • Life Insurance Policies - Features and Questions to Ask
        • When To Cancel Or Change a Life Insurance Policy
        • Life Insurance For Smokers and Vapers
      • Health Insurance
        • Going to Australia for Medical Treatment
        • BMI Calculator New Zealand
      • Income Protection Insurance
        • ACC vs Income Protection Insurance
        • Income Protection Insurance for Self Employed
      • Mortgage Insurance
      • Trauma Insurance
      • Redundancy Insurance
      • Funeral Insurance
        • What to Do When a Spouse or Partner Dies
        • Funeral Costs
  • Credit Cards
    • Best Credit Cards
    • Rewards and Cashback Credit Cards
    • Credit Cards That Earn Business Class Flights
    • The Best American Express Credit Cards
    • Air New Zealand Airpoints Credit Cards
      • Kiwibank Airpoints Cards Ending – Best Replacement Options
      • ANZ vs AMEX vs Westpac Platinum Airpoints Credit Cards
      • ANZ Airpoints Visa Platinum vs AMEX Airpoints Platinum
      • Kiwibank Airpoints Platinum Visa vs AMEX Airpoints Platinum
      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
    • Balance Transfer Credit Cards
    • Platinum and Gold Credit Cards
    • Frequent Flyer Credit Cards
    • Travel Credit Cards
    • Interest Free Credit Cards
    • Virtual Debit and Credit Cards
    • Credit Cards That Provide Travel Insurance
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • American Express Gold Business Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • Where is AMEX Accepted?
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • Valuing AMEX Membership Rewards Points
        • AMEX Dining Collection Program Review
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
        • Qatar Airways Credit Cards
        • Singapore Airlines KrisFlyer Credit Cards
        • Cathay Pacific Asia Miles Credit Cards
        • Emirates Skywards Credit Cards
        • RewardPay Review
      • Flight Centre Mastercard Review
    • Guides
      • Pay Off Credit Card Debt
      • Credit Card Basics
      • Mastercard vs Visa
      • Credit Card Minimum Payments Explained
      • Credit Card Interest Calculator
      • Credit Card Debt Amortisation Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • Best Foreign Currency Debit & Credit Cards
      • Free Credit Cards
      • Low Interest Credit Cards
      • Credit Cards for Bad Credit
      • Q Card & Q Mastercard Review
      • GEM Visa Review
      • Onecard Visa Review
      • Purple Visa Review
  • Travel Money Cards
    • Travel Money Card Reviews and Comparisons
      • Wise Debit Card Review
      • Revolut Review
      • Revolut vs Wise - Which Is Better?
      • Travelex Money Card vs Wise Debit Card Comparison
      • OneSmart Card vs Wise Debit Card Comparison
      • Cash Passport vs Wise Debit Card Comparison
    • Travel Money By Country
      • Top Travel Destinations Where the NZD is Strong Right Now
      • Australia Travel Money
      • Bali Travel Money
      • Canada Travel Money
      • Europe Travel Money
      • Fiji Travel Money
      • Japan Travel Money
      • Rarotonga Travel Money
      • Singapore Travel Money
      • Thailand Travel Money
      • USA Travel Money
      • UK Travel Money
      • United Arab Emirates Travel Money
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
      • Open a USD Bank Account from New Zealand
    • Savings
      • Best Term Deposits
      • Best Notice Saver Accounts
      • Booster Savvy Review
      • Booster Savvy Analytics Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Explained
      • NZ Bank Prefix Codes
    • Reviews
      • Wise Money Transfer Review
      • Heartland Bank Review
      • First Credit Union Review
      • NZCU Baywide Review
      • The Co-operative Bank NZ Review
      • Western Union Review
  • Mortgages
    • Mortgage Essentials
      • Best Home Loans
      • Mortgage Calculator
      • Interest Rate Predictions 2025
      • How Much Can I Borrow?
      • Debt to Income Ratios
      • Equity (and Leverage) Calculator
      • Mortgage Repayment Calculator
      • Mortgage Options
      • Mortgage Cashback
    • Other Mortgage Options
      • Interest-Only Mortgages Guide
      • Interest-Only Mortgage Calculator
      • Revolving Credit Mortgages
      • Offset Mortgages
      • Offset Mortgage Calculator
      • Fixed vs Floating Mortgage Rate Calculator
      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
      • Low-Deposit Home Loans
      • Rent to Own Homes
      • First Home Loan Guide
      • Reverse Mortgages
      • Lifetime Home Review
    • Mortgage Management
      • Saving for a House Deposit
      • Saving for a House Deposit as a Young Professional
      • Buying a Home with Family and Friends
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • What To Do if You Bought a House at the Peak of the New Zealand Market
      • Tips for Seniors Renting or Paying Down a Mortgage
      • Remortgaging Guide
      • Mortgage Relief and Holidays
      • Amortisation Calculator
      • Mortgage Break Fees
      • Defaulting on a Mortgage
      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
      • Mortgage Brokers Explained
      • Trusted Auckland Mortgage Brokers
      • Trusted Hamilton Mortgage Brokers
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers on the Kapiti Coast
      • Trusted Mortgage Brokers in Christchurch
      • LifeDirect Mortgages Review
    • Buying a Home
      • First Home Buyers Checklist
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
      • Buying an Apartment in New Zealand
      • Buying vs Renting a House
    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • Investment Property Mortgages
      • 20 Property Investment Risks You Can't Ignore
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • NZCB Review
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Our Favourite KiwiSaver Funds
      • Best Performing KiwiSaver Funds
      • Milford vs ANZ KiwiSaver Growth Funds Comparison
      • Free $500+ Government Money for KiwiSaver
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • How Aggressive Should KiwiSaver Be
      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Merging KiwiSaver and Australian Super Balances
      • Switching KiwiSaver Funds
      • KiwiSaver Robo and Digital Advice Tools
      • Ethical Kiwisaver Funds
      • KiwiSaver Private Equity Investments
    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
      • KiwiSaver Contributions - Gross or Net?
      • Employer KiwiSaver Contributions
      • Government KiwiSaver Contributions
      • KiwiSaver Savings Suspensions
      • Voluntary Contributions
      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
      • Average KiwiSaver Balance by Age
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
    • KiwiSaver Schemes
      • Amanah KiwiSaver Scheme
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • InvestNow KiwiSaver Scheme
      • Pie KiwiSaver Scheme Review
      • Kernel KiwiSaver Review
      • Kernel KiwiSaver Plan vs Superlife KiwiSaver Scheme
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • SBS Wealth KiwiSaver Scheme Review
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • GoalsGetter KiwiSaver Scheme
      • Pathfinder KiwiSaver Review
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
      • KiwiSaver Calculator
      • KiwiSaver Returns Calculator
  • Business
    • Compare Business Loans
      • Business Line of Credit
      • Business Borrowing Options
      • Small Business Loans
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Car Loan Repayment Calculator
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
      • Taxi (Business Funding) Review
    • Business Insurance
      • Public Liability Insurance
      • Professional Indemnity Insurance
      • Business Interruption Insurance
    • Wise Business Account Review
    • Business Credit Cards
    • Business Essentials
      • Money Saving Tips For Businesses
      • Get Debtors to Pay Overdue Invoices
      • Working Capital
      • Liquidations and Receiverships
      • Can't Make Payroll Guide
      • Buying out a Business Partner
      • Business Brokers
    • PAYE & Taxes
      • PAYE Calculator
      • PAYE Tax Rates 2025 & 2026
      • Minimum Wage
      • Tax Codes in New Zealand
    • Business Calculators & Resources
      • GST Calculator
      • GST Due Dates 2025
      • Business Loan Calculator
      • ROI Calculator
      • IRR Calculator
      • Internal Rate of Return
      • Percent Off Calculator
      • Profit Margin Calculator
      • Current Ratio Calculator
      • Quick Ratio Calculator
    • Online Services
      • Domain Names
      • Trusted Web Designers
        • Auckland Web Designers
        • Hamilton Web Designers
        • Wellington Web Designers
        • Christchurch Web Designers
        • Tauranga Web Designers
        • Lower Hutt Web Designers
        • Dunedin Web Designers
      • Digital Identity Programs and Online Verification Tools
      • Trusted Auckland SEO Companies
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
      • Retail Security Options and Costs
    • For Startups
      • How to Start a Business in New Zealand
      • Raising Capital
      • Product Market Fit
      • Crowdfunding vs Bank Financing
      • Blackbird vs Movac
      • How to Become an Angel Investor
      • How to Raise Money from Angel Investors
      • Alternatives to VC Funding
      • Hiring for a Startup
      • VCFO (Virtual CFO)
      • New Zealand Startup and Founder Incubators
      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
      • 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
      • Buying a Used Car
      • Selling a Car
      • Turners Cars Review
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
      • Car Registration in New Zealand
      • The Women's Guide to Buying a Car
    • Car Dealerships Explained
    • Everyday Driving
      • Costs of Owning a Car
      • 20 Ways to Make Driving Cheaper
      • Gaspy App Review
      • Parking Tickets
      • AA Membership Review
      • Best Car Batteries
      • Best Electric Cars
      • Buyer’s Guide for the 2023 Toyota Hilux
      • Buyer’s Guide for the 2023 Toyota RAV4
      • Buyer’s Guide for the 2023 Ford Ranger
    • Warrant of Fitness
      • Guide to Warrant of Fitness
      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
      • Warrant of Fitness Tauranga
      • Warrant of Fitness Lower Hutt
      • Warrant of Fitness Wellington
      • Warrant of Fitness Christchurch
      • Warrant of Fitness Dunedin
  • Law
    • Wills Guide
    • Separation Agreements
    • Prenuptial Agreements
    • Divorce Guide
    • Trusts Guide
    • Enduring Power of Attorney Guide
    • Living Wills Guide
    • Probate
    • Agreeable Review
    • Footprint Online Wills Review
    • Perpetual Guardian
  • Travel
    • Moving Overseas
      • Working Holiday Visas
      • Working Holiday Visas for 30+ Year-Old New Zealanders
      • Moving to Australia
      • Moving to London
    • Air New Zealand Specific
      • Air NZ Upgrade Guide
      • How to Redeem Air New Zealand Airpoints Dollars
      • Fastest Way To Earn Air NZ Status Points
      • Air New Zealand Koru Membership Review
      • Airpoints Flexipay Guide
      • Air New Zealand Travel Tips
      • Air New Zealand Refunds & Credits
    • Lounges, Upgrades, Car Hire & More
      • How to Get Access to Airport Lounges
      • Air New Zealand Skycouch Review
      • No Nonsense Upgrade Guide
      • Car Rental Hire
      • Auckland Airport Car Parking
    • Best of New Zealand
      • Auckland Travel for Less
      • 100+ Free Things to do in Auckland
      • Queenstown Like a Local
    • Hotels & Dining
      • Accor Plus Review
      • First Table Guide
      • Hotel Booking Sites Compared
    • Foreign Currency Exchange
      • Currency Converter
      • Australian Dollars Exchange Rate
      • American Dollars Exchange Rate
      • British Pound Exchange Rate
      • Canadian Dollars Exchange Rate
      • Euro Exchange Rate
      • Fijian Dollars Exchange Rate
      • Hong Kong Dollar Exchange Rate
      • Korean Won Exchange Rate
      • Indian Rupee Exchange Rate
      • Japanese Yen Exchange Rate
      • Malaysian Ringgit Exchange Rate
      • South African Rand Exchange Rate
      • Singapore Dollars Exchange Rate
      • Thai Baht Exchange Rate
      • Chinese Yuan Exchange Rate
  • Travel Insurance
    • Compare Travel Insurance
    • AMEX Airpoints Platinum Travel Insurance Review
    • Travel Insurance by Destination
      • Australia and the Pacifc
        • Australia Travel Insurance
        • Fiji Travel Insurance
        • Rarotonga Travel Insurance
      • Asia
        • Bali Travel Insurance
        • China Travel Insurance
        • India Travel Insurance
        • Japan Travel Insurance
        • Malaysia Travel Insurance
        • Singapore Travel Insurance
        • South Korea Travel Insurance
        • Thailand Travel Insurance
        • Vietnam Travel Insurance
      • Americas & Africa
        • Canada Travel Insurance
        • Peru Travel Insurance
        • South Africa Travel Insurance
        • USA Travel Insurance
      • Europe
        • France Travel Insurance
        • Greece Travel Insurance
        • Italy Travel Insurance
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  • Banking & Savings
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      • LifeDirect Mortgages Review
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  • KiwiSaver
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  • Travel Insurance
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  • Power
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  • Essential Money Tips
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    • Valuable Insights
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  • Financial Independence
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  • Life Essentials
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    • Health & Personal Care
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  • Trade Services
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    • Hamilton Trade Services
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Life Insurance Policy Comparison - AIA vs Asteron vs Chubb Life and more

Use our comprehensive table and tools to compare the benefits and coverage of New Zealand’s most popular life insurance policies to discover the right option that suits your needs.
Life Insurance Policy Comparison - Chubb Life vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
Updated 2 July 2025

Our guide covers the following:
  • Why should you buy life insurance and what makes a good life insurance policy?
  • Life Insurance Policy Comparison - AIA vs Asteron Life vs Chubb Life vs Fidelity vs Westpac vs Partners Life
  • Common mistakes when purchasing life insurance - five things you should look out for
  • Frequently Asked Questions

Advertising Disclosure: MoneyHub may receive a payment if you make a purchase on our website. Such commercial arrangements do not influence our independent reviews of financial products. Please refer to our advertising policy for more details.

Know this: Before making any policy switch, you must confirm that any exclusions on your previous policy will be covered on your new policy. This can catch people who think they're covered but find themselves uninsured by exclusions. We are aware of New Zealanders switching policies without paying careful attention to any exclusions they may have. This has led to declined claims.

Video explainer:
MoneyHub Founder Christopher Walsh explains this guide in a video summary below:

Life Direct NZ
Your guide to comparing life insurance policies, thanks to Life Direct
  • Our friends at Life Direct sponsor our easy-to-understand guide and comparison, our trusted partner for Life Insurance and related policies.
  • If you're looking for life insurance, knowing more about the insurers offering policies is essential.
  • We've teamed up with Life Direct to help you navigate what's important when choosing a policy. Our Life Insurance guide has more details.
Visit Life Direct

Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life

Why should you buy life insurance?

Having life insurance is a way to protect those closest to you from the financial impact of your death (as things happen unexpectedly). In short, it is a contract between an insurer and a policyholder that guarantees a sum of money will be paid by the insurer to the named beneficiaries in exchange for paying for a premium by the policyholder (i.e. you).

What’s most important about choosing a good life insurance policy is finding the right policy that fits your needs and circumstances while not overpaying. Before applying for life insurance, it’s good to analyse your financial situation as well as to determine not just how much money is needed to pay off major debt, such as a house mortgage, but also how much money may be required to maintain your beneficiaries’ living needs or expenses. 

The goal of getting life insurance is to replace lost income, reduce a debt burden and cover unexpected costs. 

A good rule of thumb - cover your beneficiaries for 10 times the annual pre-tax income. That means if you earn $65,000 per year, then it may be reasonable to insure for $650,000 at a minimum. Our life insurance calculator offers a more extensive assessment of this.

What makes a good life insurance policy?

In order for you to make an informed decision about which policy is most suitable for you, it’s important to understand what the crucial policy features and benefits are while balancing between price and coverage duration. While not every feature will be relevant to you, for the sake of completeness and clarity, we wanted to lay everything out so as to make a comprehensive comparison (for more detailed information, check out our Complete Guide to Life Insurance).

‘Must have’ life insurance policy features:

  • Funeral costs cover/bereavement support - funeral costs cover reduces the burden on your family after you’ve passed away by providing money for your funeral ceremony and burial.
  • Terminal illness cover - in the case that you only have up to a year to live due to an incurable sickness, your beneficiaries can get an advance on all or some of the sum assured amount.
  • Special events increase - although this may vary from policy to policy, special events include getting married or divorced, having children, taking out a home loan, and others. This benefit allows you to increase your sum assured amount. 
  • Premium waiver - this is also known as a premium holiday. If you are struggling to pay the premiums, it can be useful for you to put a stop to your payments for up to 6 months. 
  • Trauma cover - if you are diagnosed with a critical illness or injury, trauma insurance cover provides you with money to pursue treatment options. Serious health conditions may include cancer, heart attack, stroke and many more.  
  • Income protection cover - this is designed to pay regular amounts to you if you are unable to work due to illness or injury.
Financial advisory support - you and your policy’s beneficiaries can get financial advice (up to a limit) if the insurer pays out the sum assured.

How to get the best deal for your life insurance:

  1. Never go directly to an insurer. Most likely, you’ll end up paying the full price without knowing if you received the best deal. Get at least three quotes, as premiums can differ by hundreds of dollars.
  2. Use a policy comparison tool like LifeDirect. It is the most extensive tool out there and offers quotes from multiple leading life insurers such as AIA, Chubb Life, Fidelity and others. All have strong credit ratings, meaning the insurers will pay if you or your family need to claim. And, should you need to claim, LifeDirect handles that too by liaising with the insurer. LifeDirect does not give insurance advice; instead, it aims to give New Zealanders all the relevant information required for them to make a better decision.
  3. In the case where you may need professional guidance related to health needs or family situations, it may be best to contact an insurance broker to help guide you through the process.
  4. At a minimum, your life insurance policy should cover your debts, funeral expenses, full repayment of your mortgage as well as your family’s or beneficiary’s living costs.
  5. Because life insurance plays such an integral component in your family’s financial plan and future, it’s worth every bit of time to do some research before deciding what policy to purchase and from which provider. 

Life Insurance in a Nutshell - Our View:
  • Compare policy costs across multiple insurers: To find the best life insurance deal, compare quotes from multiple providers. Don't settle for the first offer without exploring other options.
  • Tailor your coverage based on individual needs: Our sample quotes showcase various insurers and prices, but remember that each person or couple has unique requirements and expectations. Thoroughly research and compare the market to find the best fit for you.
  • Use a comparison tool for convenience: We like comparison tools like LifeDirect, which offers the most extensive options for obtaining quotes and purchasing policies from leading life insurers such as Chubb Life, AIA, Fidelity, and more. These companies have strong credit ratings, ensuring they honour claims when needed.
  • Enjoy the benefits of a comprehensive service: Besides providing quotes and facilitating policy purchases, LifeDirect also assists with claims by liaising with insurers on your behalf. This added support could provide peace of mind during difficult times.
  • Overall, finding the right life insurance policy involves researching and comparing options from various insurers to ensure you get the best deal possible. Tools like LifeDirect can simplify the process and offer additional support when needed.
Get Quotes from LifeDirect

Life Insurance Policy Comparison - Chubb Life vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life

Life Insurance Policy Comparison - AIA vs Asteron Life vs Chubb Life vs Fidelity vs Westpac vs Partners Life

Making a decision as to what life insurance policy is best requires many factors to be considered, including:

1. Financial strength and credit rating
  • Given that life insurance can be a long-term purchase, in the long run, you want a company that meets its contractual obligation, i.e. pays claims. Therefore, we strongly suggest that you find insurance companies in New Zealand with a financial strength rating of A- or higher. The higher the financial strength, the more likely an insurer will be able to meet its claim obligations. 
  • That being said, there is little difference between an AA- and an A+ rated insurer - both should be able to pay out on claims. However, there is a difference between A+ and B+ or C - and such ratings play a more significant part in your decision-making process. And more so post-Covid-19.

2. Premium structure
  • The most common payments are annual/yearly renewable term and level term.

3. Yearly renewable payments
  • These are fixed for one year at a time and usually increase in line with age until an agreed age, regardless of the insured person's health.

4. Level term payments
  • This is a multi-year policy where the premiums are fixed at the start and remain the same for the agreed period. These fixed premiums are most commonly used until age 65, 70 or 80. Level term payments ensure that the premiums and sum assured amount will not increase, but as a result, this type of policy will be more expensive initially.
  • The best life insurance companies in New Zealand offer flexible policies with features and benefits that can be tailored to you and your family's unique circumstances. This involves balancing price and long-term coverage as well as structuring different premium payments, e.g. a combination of yearly renewable payments and level term payments. 

5. Claims and approvals (also known as underwriting) 
  • Although every life insurance company goes through different approval processes, having a thorough onboarding process is a good indicator that few questions will be asked when the time comes to make your claim. In short, we believe there is a direct link between the thoroughness of the onboarding process upfront and the ease of getting claims paid. 
  • An underwriter's role is to ensure that applicants (like yourself) are charged the appropriate premium (price) for the desired level of insurance coverage based on needs and assessed risk. Doing a thorough job at this is important. 
  • Some providers may ask fewer questions upfront, but when circumstances change, making claims will prove to be a much more difficult process. 

6. Access to advisory assistance
  • There is no one-size-fits-all solution to choosing life insurance policies because each individual is different based on their unique needs and situation. Having access to a financial or insurance advisor is super helpful in determining the right policy. 
  • Tailoring features and benefits may include terminal illness benefits, special events increases and premium waivers. 

7. Policy Wording Pass Back
  • The benefit of having a built-in policy benefit called 'policy wording pass back' means that when an insurance company announces new policy enhancements, they are also passed back to existing customers, i.e. automatically applied to your policy.
  • This guarantees that your policy is upgraded and future-proof for things that may happen in the future. 

Policy Comparison Table

Life Insurance Policy Comparison - Chubb Life vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
Life Insurance policy comparison criteriaChubb LifePartners LifeAIAFidelityWestpacAsteron Life
Financial Strength and Credit RatingA+ (Excellent) A. M. BestA- (Excellent) A. M. BestAA (Very Strong) FitchA- (Excellent) A. M. BestA+ (Excellent) Standard and Poor'sA+ (Excellent) Standard and Poor's
Premium structureYearly renewableYearly renewableYearly renewableYearly renewable and level termYearly renewableYearly renewable and level term
Claims and approvals (underwriting)Thorough onboarding processThorough onboarding processThorough onboarding processThorough onboarding processThorough onboarding processThorough onboarding process
Access to advisory assistanceYesYesYesNoYesYes
Customer SupportLive chat availableLive chat availableLive chat availableLive chat availableNo live chat availableLive chat available
Policy Wording Pass BackDoes provideDoes provideDoes provideDoes not provideDoes not provideDoes provide
WebsiteClick HereClick HereClick HereClick HereClick HereClick Here
Note: We decided not to make a premium price comparison for different life cover policies, given that there are many factors that determine how much a policy will cost. These include age, gender, health, coverage amount and lifestyle. 

Deciding what the premium payments will be and the right policy can be assisted with the help of the underwriter, financial and/or insurance advisors. For more details, you can visit our Complete Guide to Life Insurance.

Alternatively, you can make direct price comparisons using LifeDirect, the most extension comparison tool for life insurance.
Get Quotes from LifeDirect

Life Insurance Policy Comparison - Chubb Life vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life

Common mistakes when purchasing life insurance - Five things you should look out for

1. Not enough cover or too much cover
  • There should be a balance for how much you should cover to ensure that you don’t end up overpaying for premiums. Paying off the mortgage and funeral costs are often the focus for many people, but additional financial commitments such as spouses or children need to be considered.
  • The goal of life insurance is to purchase enough coverage so that the lifestyle of your loved ones is not compromised if you pass away. However, they should not be in a better financial position than when you were alive. 

2. Not reviewing or updating your policies 
  • Every few years, make sure you review how much cover you need, particularly if your life situations change. These may be marriage or divorce, having children, added debt, medical diagnosis and many more.
  • Often, life insurance is treated as a ‘set and forget’ purchase. What’s worse is if your policy payments end up becoming a waste of time, money, irrelevant or benefiting the wrong people (which sometimes does happen). 
  • Having the right coverage (amount and duration) in place means less for you - and those you care for - to worry about. At a minimum, you should review your cover every couple of years so that your policy needs are relevant in the context of your changed situation.  
  • Reviewing your life insurance policies may also help you receive bundling discounts if you do end up adding additional life insurance covers.

3. Buying on price
  • One of the most common mistakes we see is that people assume that the value of life insurance policies is based on price as its primary driver. However, this is not entirely true. Like any other product, quality plays an important role. 
  • Watch out for those insurers that trick people with first-year discounts. What seems appealing at first can turn out to be unfair increases every year after that. A basic policy may cost less but end up not making payouts or paying less in the event of a claim. 
  • Therefore, it pays to understand the options and variables you have before making a decision. For example, when seeking out an insurer, it’s essential to assess their financial strength - that way, you know they can actually payout if you claim. Other things to look out for include riders and exclusions. 
  • Riders are additional provisions related to the cover and kick in if a particular condition is met. An example of exclusion would be if a policy “won’t pay out on suicides” or pays out claims to “accidental death only”. You want a clear policy, not some cheap policy with a lot of exclusions. If you have any doubts about anything, it will help to discuss with an insurance broker who can work with you to find the best policy that best suits your needs and situation. 

4. Failure to declare
  • Especially when it comes to health conditions, failing to declare may mean that insurers have the right to void the policy. For example, even though you may have paid for cover for years, failing to declare means an insurer can refuse to payout. 
  • The best approach is to declare everything and let the insurer determine whether it is important or not. 

5. Not comparing prices with other companies.
  • Finding the best life insurance policy for you comes down to balancing price and coverage. If you want to find the lowest rates, we suggest you get at least three quotes from different providers to compare their benefits and premiums against each other. 

Another option is to use an online comparison tool such as LifeDirect to give you more reliable insights and details about each provider and policy.
Get Quotes from LifeDirect

Life Insurance Policy Comparison - Chubb Life vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life

Life Insurance Policy Comparison Frequently Asked Questions

While our tables above make life insurance policies more comparable, there will always be questions. We've anticipated the most common queries below. 

How much will life insurance cost me?

The cost of life insurance (i.e. premiums) you pay your insurer depends on several factors, including age, health status, occupation risk and smoking status. As a first stop, LifeDirect helps you compare life insurance quotes from New Zealand’s leading insurers to get a better idea of how much your premiums will be.

How can I work out how much cover I need?

We suggest that the coverage amount should be at least ten times your pre-tax salary. The reason is that when you pass away, there needs to be enough money to reduce existing debt burdens (such as house mortgage), ongoing expenses of the family and unexpected costs that may arise. Therefore, insuring for ten times your salary provides a good financial cushion for your family and its beneficiaries. 

Determining how much cover you should buy is knowing how to balance price and coverage. Having too little cover is often due to only having considerations of mortgage and outgoing debt rather than other family expenses. On the other hand, a sign that there is too much cover is if your family ends up being in a better financial position when you pass away.

How will claims be paid out?

Payouts are generally tax-free in New Zealand. One exception is any payments you receive under an income protection policy, as income is tax-deductible. Payouts can be made either as a lump sum or through a series of payments. Your insurer, broker or bank will pay out a policy to your estate or, if you have a qualifying terminal illness, your bank account.

When should I cancel or change my life insurance policy?

There are many reasons why you may consider changing or cancelling your life insurance policy. But, no matter what that driver is, the decision should not be rushed.

Some common changes to life insurance policies could be making changes to who the policy's beneficiary is, cover levels (adding or reducing life insurance covers) and switching insurance companies. Our guide for When to Cancel or Change a Life Insurance Policy dives deeply into this issue.

What is “indexation”?

Indexation is an automatic annual increase to the insured amount to make sure the value of your cover is not eroded by inflation so you can keep up with the increasing cost of living. For example, if you had cover of $100,000 and inflation that year was 3%, your cover would increase to $103,000. Your premiums will also increase when the cover increases if you elect this option (hence why it is optional).

What happens if I stop paying my premiums?

Non-payment can result in your policy being cancelled by your insurer. If you cannot make premium payments, you can either cancel your policy or add a premium waiver (also known as a premium holiday)

What if my circumstances change?

It’s important to ensure that you review your policy once every few years. Life circumstances change (such as marriage or divorce, having children, added debt, or medical diagnosis), which may cause your policy and coverage to become outdated or irrelevant.

Why are some insurers excluded from your comparisons?

When comparing life insurance, health insurance, and income protection insurance, you might notice some providers aren't featured. LifeDirect, our comparison partner, maintains strict standards for the insurers it works with.

Here's why certain companies aren't included:

Life & Income Protection
  • Bank-owned insurers - Banks now own insurance companies but don't offer products through independent advisers. Because the pricing isn't transparent, we don't compare them
  • Pinnacle (OneChoice) - We have excluded this company due to their financial strength rating and what we see as restrictive underwriting
  • Resolution Life - Closed to new business (existing customers only)
  • AA Life - Doesn't work with brokers, though we believe their products mirror Asteron's
  • SBS - Bank product using Chubb and is not available through third parties
  • Smaller/niche insurers - Funeral insurers and specialty providers are too small to be suitable for the wider New Zealand market.

Health Insurance
  • Unimed - Unimed doesn't work with third-party brokers for their main products, only through their Accuro brand. We believe their non-Pharmac drug coverage has significant limitations despite lower pricing. Accuro faced a major cyber attack that disrupted operations for a year, according to this media story.

Why This Matters: Independent advisers like LifeDirect can only recommend trusted insurers that:
  • Work with third-party brokers
  • Meet financial stability requirements
  • Offer transparent underwriting
  • Provide reliable ongoing service

Our View: This ensures you receive unbiased comparisons of quality providers who will be there when you need to make a claim.

Life Insurance in a Nutshell - Our View:
  • Compare policy costs across multiple insurers: To find the best life insurance deal, compare quotes from multiple providers. Don't settle for the first offer without exploring other options.
  • Tailor your coverage based on individual needs: Our sample quotes showcase various insurers and prices, but remember that each person or couple has unique requirements and expectations. Thoroughly research and compare the market to find the best fit for you.
  • Use a comparison tool for convenience: We like comparison tools like LifeDirect, which offers the most extensive options for obtaining quotes and purchasing policies from leading life insurers such as Chubb Life, AIA, Fidelity, and more. These companies have strong credit ratings, ensuring they honour claims when needed.
  • Enjoy the benefits of a comprehensive service: Besides providing quotes and facilitating policy purchases, LifeDirect also assists with claims by liaising with insurers on your behalf. This added support could provide peace of mind during difficult times.
  • Overall, finding the right life insurance policy involves researching and comparing options from various insurers to ensure you get the best deal possible. Tools like LifeDirect can simplify the process and offer additional support when needed.
Get Quotes from LifeDirect

Life insurers we compared:
  • Chubb Life
  • Westpac
  • AIA
  • Asteron Life
  • Fidelity
  • PartnersLife

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        • Guides
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          • Other Coins
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  • Loans & Finance
    • Car Finance
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  • Insurance
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      • Reviews & Policy Comparisons
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    • Students Insurance
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      • Health Insurance
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        • BMI Calculator New Zealand
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  • Credit Cards
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      • Kiwibank Airpoints Cards Ending – Best Replacement Options
      • ANZ vs AMEX vs Westpac Platinum Airpoints Credit Cards
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    • Balance Transfer Credit Cards
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    • Reviews
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        • Where is AMEX Accepted?
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        • American Express Platinum Card Review
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        • The Best Ways to Spend AMEX Membership Rewards Points
        • 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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      • Open a UK Bank Account from New Zealand
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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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      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
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      • Lifetime Home Review
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      • Buying a Home with Family and Friends
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      • 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
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      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
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      • Trusted Auckland Mortgage Brokers
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      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
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      • 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
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      • Buying an Apartment in New Zealand
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    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • 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
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      • Free $500+ Government Money for KiwiSaver
      • Is KiwiSaver Safe?
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      • Choosing Your KiwiSaver Scheme
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      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
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    • KiwiSaver Contributions & Tax
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      • What's My PIR?
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    • KiwiSaver for Life Events and Specific Situations
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      • KiwiSaver First Home Grant Guide
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        • MAS Review
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    • KiwiSaver Calculators
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  • Business
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    • Business Insurance
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    • Business Calculators & Resources
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    • Online Services
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    • For Startups
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  • MSD
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    • Super Rates 2025 and 2026
    • NZ Superannuation in a Nutshell
    • Government Departments Helping New Zealanders Directly
    • Food Grants Guide
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      • Food Banks Auckland
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  • Motoring
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      • Turners Cars Review
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    • Car Dealerships Explained
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      • Gaspy App Review
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      • AA Membership Review
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      • Buyer’s Guide for the 2023 Toyota Hilux
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    • Warrant of Fitness
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      • Warrant of Fitness Auckland
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  • Law
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    • Agreeable Review
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    • Perpetual Guardian
  • Travel
    • Moving Overseas
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      • Working Holiday Visas for 30+ Year-Old New Zealanders
      • Moving to Australia
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    • Air New Zealand Specific
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    • Lounges, Upgrades, Car Hire & More
      • How to Get Access to Airport Lounges
      • 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
      • Accor Plus Review
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    • Foreign Currency Exchange
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  • Travel Insurance
    • Compare Travel Insurance
    • AMEX Airpoints Platinum Travel Insurance Review
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      • Australia and the Pacifc
        • Australia Travel Insurance
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      • Americas & Africa
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      • Europe
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    • Specific Risk Cover
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    • Travel Insurer Reviews
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    • Essential Information
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      • Health Insurance vs Travel Insurance
      • ACC vs Travel Insurance
      • Australia NZ Reciprocal Health Care Agreement
      • Travel Insurance Excess Explained
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      • How to Renew a New Zealand Passport
      • What is TAANZ?
      • Travel Packing List
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  • Mobile & SIM
    • Compare Mobile Plans
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    • Apple Watch Buying Guide
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    • Saily Review
    • Best iPhone Plans
    • Best Power Banks
  • Broadband
    • Compare Broadband Plans
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    • Internet Speed Test
    • Broadband Provider Reviews
      • 2degrees Broadband Review
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      • 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
      • Genesis Energy Review
      • Globug Review
      • Mercury Review
      • Meridian Energy Review
      • Nova Energy Review
      • Powershop Review
      • Z Energy Power Review
  • Essential Money Tips
    • Must-Read Lists & Tips
      • Fleeced Kiwi Awards 2025
      • 10 Things to Do Differently with Money in 2025
      • 10 Signs You’re in Financial Danger
      • 20 Indicators You're Doing Well Financially
      • 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 Supermarket Ripoffs
      • 20 Ways to Save on Household Bills
      • 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
      • How to Handle Rising Interest Rates
      • Stealth Wealth
      • Wealth vs Well-Being
      • Average NZ Salary by Age
      • Average and Median New Zealand Net Worth by Age 2024
      • Dental Costs
      • Charities in New Zealand
      • Trade Me Alternatives
    • Challenging Economic Conditions
      • Financial Support Resources
      • 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
      • Retirement Money Drawdown
      • 10 Habits of Quiet Millionaires
      • Financial Freedom by 50
      • How to Maximise Income in Retirement
      • 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
      • Financial Coaches
      • Budgeting Apps
      • Free Financial Literacy Classes
      • Free Financial Products
      • 50/30/20 Budget Calculator
      • Budget Planner
      • SortMe Review
    • Repaying Debt
      • Debt Help
      • Debt Repayment Apps
      • CAP (Christians Against Poverty) Review
      • Debtfix Review
      • Getting into Debt to Meet Short Term Living Costs
      • Bankruptcy Guide
    • Tax
      • Beginner's Guide to Tax
      • Salary Sacrifice in New Zealand
      • Tax Bracket Creep
      • Choosing an Accountant
      • Tax Refunds
  • Life Essentials
    • Money & Income Ideas
      • Side Hustles
      • Make Money Online
      • Paid Survey Websites Review
        • Ipsos iSay Review
        • Nielsen Homescan Review
        • Nielsen Online (Computer & Mobile Panel) Review
        • Valued Opinions Review
        • Opinion World Review
        • Triaba New Zealand Review
        • Rewardia New Zealand Review
      • Free Samples
      • Unclaimed Money in New Zealand
      • Free Money from the Government
      • Hosting International Students
      • How to Sell on Fiverr
      • Trade Me Selling Tips
    • Kids Eat Free
    • Prezzy Cards
    • Meal Kits & Supermarkets
      • My Food Bag vs HelloFresh vs WOOP vs Bargain Box Comparison
      • HelloFresh Review
      • My Food Bag Review
      • Bargain Box Review
      • Woop Review
      • Online Supermarkets
      • Save Money on Food
      • Supermarket Christmas Clubs
        • Countdown Christmas Club Vouchers
        • New World Christmas Club Review
        • PAK'nSAVE Christmas Club Review
    • Entertainment
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      • Netflix Review
        • Best Netflix Movies
        • Best Netflix TV Shows
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