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
        • 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 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
        • 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
        • Investing Guide
        • 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 Wellington
          • Financial Advisers Christchurch
        • Bank Credit Ratings
        • Tax on Investments and Savings
        • Capital Gains Tax
        • Bright-Line Test
        • Ethical Investing
        • Best ESG Funds
        • Asset Allocations to Build Wealth
        • Managing Offshore Investments for Returning New Zealanders and Migrants
        • How to Buy and Sell Bonds
        • Buying NZ Corporate Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowdfunding Guide
        • REITs Guide
        • Jasper Review
        • Investing & Personal Finance Podcasts
        • Emergency Funds
        • UK Pension Transfer to New Zealand
        • Returning to the UK from NZ
        • Spending Your Savings in Retirement
        • How to Take Income from Investments
        • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
        • Investment Scams
        • Investing in Recession-Proof Sectors and Asset Classes During a Downturn
        • Hedging Investments
        • Top Personal Finance Books for New Zealanders
        • Top Ten Personal Finance Resources
      • Reviews
        • Simplicity Investment Funds Review
        • Lending Crowd Review
        • Squirrel Review
        • Sharesight Review
        • Lifetime Retirement Income
        • New Zealand Financial Markets Authority (FMA)
      • Calculators
        • Managed Funds Fee Calculator
        • Basis Points Calculator
        • Inflation Calculator
        • Retirement Calculator New Zealand
    • Alternative Investments and Trading
      • Reviews
        • BlackBull Markets Review
        • CMC Markets Review
        • Plus500 Review
        • IG Review
        • TMGM Review
        • CMC Markets vs Plus500 vs IG Markets vs BlackBull Markets
      • Guides
        • How to Invest in Gold
        • How to Invest in Silver
        • Forex Trading Guide
          • Forex Trading Platforms Comparison
          • Forex Trading Tools
          • Forex Trading Courses and Education
          • Forex Regulation
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Copy Trading
      • Cryptocurrency
        • Reviews
          • Easy Crypto Review
          • Swyftx Review
          • Binance Review
          • Easy Crypto vs Swyftx
          • NZDD Review
          • Independent Reserve Review
          • eToro Review
          • Coinbase Review
          • Kiwi-Coin Bitcoin Exchange Review
          • Vault International Bitcoin Fund Review
        • Guides
          • How to Buy Bitcoin in New Zealand
          • Beginner's Guide to Bitcoin and Blockchain
          • Stablecoins
          • Guide to NFTs
          • Bitcoin Wallet Guide
          • Bitcoin Mining
          • How to Sell Bitcoin
          • Bitcoin and Crypto Scams
          • Initial Coin Offerings
          • A Beginner’s Guide to Investing in Cryptocurrencies
          • Decentralised Finance
          • Bitcoin in New Zealand
          • New Zealand Bitcoin Exchanges
          • How to Buy Ethereum in New Zealand
          • Other Coins
            • How to Buy Ripple in New Zealand
            • How to Buy Cardano in New Zealand
            • How to Buy Dogecoin in New Zealand
            • How to Buy Litecoin in New Zealand
            • How to Buy Polkadot in New Zealand
  • Loans & Finance
    • Car Finance
      • Car Finance Calculator
      • Electric Vehicle Loans
      • How to Refinance Your Car Loan
      • Car Loan Refinance Calculator
      • Car Dealership Finance vs Alternatives
      • Motorcycle and Moped Loans
      • Motorcycle and Moped Loan Calculator
      • Asset Finance
      • Asset Finance Repayment Calculator
      • Business Vehicle Loans
      • Bad Credit Car Loans
      • Car Loan Brokers vs Direct Car Finance
      • Car Loan Amortisation Calculator
      • Car Finance Company Reviews
        • Simplify Loans Review
        • Toyota Finance Review
        • Mazda Finance Review
        • MTF Finance Review
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • Lending People Review
        • Driva Car Loans Review
      • Car Finance Must-Knows Guides
        • Buying a Car Loan vs Personal Loan?
        • Car Loans and Collateral
        • Car Loan Guarantors
        • How to Save for a Car
        • Paying Cash for a Car vs Car Finance
        • Balloon Payments
        • Boat Financing Calculator
      • Car Finance Add-On Insurance Guides
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • Compare Mechanical Breakdown Insurance
        • PPI (Payment Protection Insurance)
    • Personal Loans
      • Debt Consolidation Loans
      • Secured Loans
      • Green Loans
      • Home Renovation Loans
      • Online Loans
      • Bad Credit Loans
      • Beneficiary Loans
      • Payday Loans
      • Cash Advance
      • Same Day Loans
      • Low Income Loans
      • Personal Loan Calculator
      • Debt Consolidation Calculator
      • The Dangers of Debt Consolidation
      • Refinance Personal Loan Calculator
      • Home Renovation Loan Calculator
      • Interest Calculator
      • Harmoney Loans Review
      • Nectar Review
      • Avanti Finance Review
      • Save My Bacon Review
    • Credit Scores & Interest Rates
      • Credit Scores and Credit Checks
      • How to Build Credit in New Zealand
      • How to Pay Down Debt Faster
      • Baycorp and Debt Collection
      • Interest Rates Guide
      • Interest Rate Comparison
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Compare Insurance
      • Compare Car Insurance
      • Car Insurance by Vehicle
        • Compare Toyota Aqua Insurance Costs
        • Compare Toyota Corolla Insurance Costs
        • Compare Toyota Hilux Insurance Costs
        • Compare Mazda2 and Demio Insurance Costs
        • Compare Ford Ranger Insurance Costs
        • Compare Nissan Navara Insurance Costs
        • Compare Subaru Legacy Insurance Costs
      • Reviews & Policy Comparisons
        • AMI vs AMP vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
        • Cove Car Insurance Review
        • Tower Car Insurance Review
        • Young Driver Car Insurance
        • Trade Me Car Insurance Review
        • Caravan Insurance
      • Car Insurance Guides
        • Third Party Car Insurance
        • How to Get Cheaper Car Insurance
        • Car Insurance Calculator
        • No Claims Bonuses Explained
        • Car Insurance Excess Explained
        • Cheapest Cars to Insure
        • Modifications that Make a Car Uninsurable
        • Car Insurers Directory
        • Car Insurance Glossary
        • Most Stolen Cars
    • Home, Contents and Other Insurance
      • House Insurance
      • House Insurance Calculator
      • 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
      • ANZ vs AMEX vs Kiwibank vs Westpac Platinum Airpoints Credit Cards
      • ANZ Airpoints Visa Platinum vs AMEX Airpoints Platinum
      • Kiwibank Airpoints Platinum Visa vs AMEX Airpoints Platinum
      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
    • Balance Transfer Credit Cards
    • Platinum and Gold Credit Cards
    • Frequent Flyer Credit Cards
    • Travel Credit Cards
    • Interest Free Credit Cards
    • Virtual Debit and Credit Cards
    • Credit Cards That Provide Travel Insurance
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • American Express Gold Business Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • Where is AMEX Accepted?
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • Valuing AMEX Membership Rewards Points
        • AMEX Dining Collection Program Review
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
        • Qatar Airways Credit Cards
        • Singapore Airlines KrisFlyer Credit Cards
        • Cathay Pacific Asia Miles Credit Cards
        • Emirates Skywards Credit Cards
        • RewardPay Review
      • Flight Centre Mastercard Review
    • Guides
      • Pay Off Credit Card Debt
      • Credit Card Basics
      • Mastercard vs Visa
      • Credit Card Minimum Payments Explained
      • Credit Card Interest Calculator
      • Credit Card Debt Amortisation Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • Best Foreign Currency Debit & Credit Cards
      • Free Credit Cards
      • Low Interest Credit Cards
      • Credit Cards for Bad Credit
      • Q Card & Q Mastercard Review
      • GEM Visa Review
      • Onecard Visa Review
      • Purple Visa Review
  • Travel Money Cards
    • Travel Money Card Reviews and Comparisons
      • Wise Debit Card Review
      • Revolut Review
      • Revolut vs Wise - Which Is Better?
      • Travelex Money Card vs Wise Debit Card Comparison
      • OneSmart Card vs Wise Debit Card Comparison
      • Cash Passport vs Wise Debit Card Comparison
    • Travel Money By Country
      • Top Travel Destinations Where the NZD is Strong Right Now
      • Australia Travel Money
      • Bali Travel Money
      • Canada Travel Money
      • Europe Travel Money
      • Fiji Travel Money
      • Japan Travel Money
      • Rarotonga Travel Money
      • Singapore Travel Money
      • Thailand Travel Money
      • USA Travel Money
      • UK Travel Money
      • United Arab Emirates Travel Money
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
    • Savings
      • Best Term Deposits
      • Best Notice Saver Accounts
      • Booster Savvy Review
      • Booster Savvy Analytics Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Explained
      • NZ Bank Prefix Codes
    • Reviews
      • Wise Money Transfer Review
      • Heartland Bank Review
      • First Credit Union Review
      • NZCU Baywide Review
      • The Co-operative Bank NZ Review
      • Western Union Review
  • Mortgages
    • Mortgage Essentials
      • Best Home Loans
      • Mortgage Calculator
      • 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
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Free $500+ Government Money for KiwiSaver
      • Our Favourite KiwiSaver Funds
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • How Aggressive Should KiwiSaver Be
      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Merging KiwiSaver and Australian Super Balances
      • Switching KiwiSaver Funds
      • KiwiSaver Robo and Digital Advice Tools
      • Ethical Kiwisaver Funds
      • KiwiSaver Private Equity Investments
    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
      • KiwiSaver Contributions - Gross or Net?
      • Employer KiwiSaver Contributions
      • Government KiwiSaver Contributions
      • KiwiSaver Savings Suspensions
      • Voluntary Contributions
      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
      • Average KiwiSaver Balance by Age
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
    • KiwiSaver Schemes
      • Amanah KiwiSaver Scheme
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • InvestNow KiwiSaver Scheme
      • Pie KiwiSaver Scheme Review
      • Kernel KiwiSaver Review
      • Kernel KiwiSaver Plan vs Superlife KiwiSaver Scheme
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • SBS Wealth KiwiSaver Scheme Review
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • GoalsGetter KiwiSaver Scheme
      • Pathfinder KiwiSaver Review
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
      • KiwiSaver Calculator
      • KiwiSaver Returns Calculator
  • Business
    • Compare Business Loans
      • Business Line of Credit
      • Business Borrowing Options
      • Small Business Loans
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Car Loan Repayment Calculator
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
      • Taxi (Business Funding) Review
    • Business Insurance
      • Public Liability Insurance
      • Professional Indemnity Insurance
      • Business Interruption Insurance
    • Wise Business Account Review
    • Business Credit Cards
    • Business Essentials
      • Money Saving Tips For Businesses
      • Get Debtors to Pay Overdue Invoices
      • Working Capital
      • Liquidations and Receiverships
      • Can't Make Payroll Guide
      • Buying out a Business Partner
      • Business Brokers
    • PAYE & Taxes
      • PAYE Calculator
      • PAYE Tax Rates 2025 & 2026
      • Minimum Wage
      • Tax Codes in New Zealand
    • Business Calculators & Resources
      • GST Calculator
      • GST Due Dates 2025
      • Business Loan Calculator
      • ROI Calculator
      • IRR Calculator
      • Internal Rate of Return
      • Percent Off Calculator
      • Profit Margin Calculator
      • Current Ratio Calculator
      • Quick Ratio Calculator
    • Online Services
      • Domain Names
      • Trusted Web Designers
        • Auckland Web Designers
        • Hamilton Web Designers
        • Wellington Web Designers
        • Christchurch Web Designers
        • Tauranga Web Designers
        • Lower Hutt Web Designers
        • Dunedin Web Designers
      • Digital Identity Programs and Online Verification Tools
      • Trusted Auckland SEO Companies
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
      • Retail Security Options and Costs
    • For Startups
      • How to Start a Business in New Zealand
      • Raising Capital
      • Product Market Fit
      • Crowdfunding vs Bank Financing
      • Blackbird vs Movac
      • How to Become an Angel Investor
      • How to Raise Money from Angel Investors
      • Alternatives to VC Funding
      • Hiring for a Startup
      • VCFO (Virtual CFO)
      • New Zealand Startup and Founder Incubators
      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
  • MSD
    • Navigating Work and Income Benefits
    • Jobseeker Support Benefit Rates 2025 and 2026
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • SuperGold Card Review
    • Disability Allowance
    • MyMSD
    • Community Services Card
    • Hardship Assistance - Urgent Costs and Living Expense Assistance
    • Loans for Unemployed
    • Working for Families Guide
    • Childcare Subsidies in New Zealand
    • Super Rates 2025 and 2026
    • NZ Superannuation in a Nutshell
    • Government Departments Helping New Zealanders Directly
    • Food Grants Guide
    • Food Banks Directory
      • Food Banks Auckland
      • Food Banks Northland
      • Food Banks Hamilton Waikato
      • Food Banks Wellington
      • Food Banks Christchurch
  • Motoring
    • Buying and Selling a Car
      • Car Valuations
      • Buying a Used Car
      • Selling a Car
      • Turners Cars Review
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
      • Car Registration in New Zealand
      • The Women's Guide to Buying a Car
    • Car Dealerships Explained
    • Everyday Driving
      • Costs of Owning a Car
      • 20 Ways to Make Driving Cheaper
      • Gaspy App Review
      • Parking Tickets
      • AA Membership Review
      • Best Car Batteries
      • Best Electric Cars
      • Buyer’s Guide for the 2023 Toyota Hilux
      • Buyer’s Guide for the 2023 Toyota RAV4
      • Buyer’s Guide for the 2023 Ford Ranger
    • Warrant of Fitness
      • Guide to Warrant of Fitness
      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
      • Warrant of Fitness Tauranga
      • Warrant of Fitness Lower Hutt
      • Warrant of Fitness Wellington
      • Warrant of Fitness Christchurch
      • Warrant of Fitness Dunedin
  • Law
    • Wills Guide
    • Separation Agreements
    • Prenuptial Agreements
    • Divorce Guide
    • Trusts Guide
    • Enduring Power of Attorney Guide
    • Living Wills Guide
    • Probate
    • Agreeable Review
    • Footprint Online Wills Review
    • Perpetual Guardian
  • Travel
    • Moving Overseas
      • Working Holiday Visas
      • Working Holiday Visas for 30+ Year-Old New Zealanders
      • Moving to Australia
      • Moving to London
    • Air New Zealand Specific
      • Air NZ Upgrade Guide
      • How to Redeem Air New Zealand Airpoints Dollars
      • Fastest Way To Earn Air NZ Status Points
      • Air New Zealand Koru Membership Review
      • Airpoints Flexipay Guide
      • Air New Zealand Travel Tips
      • Air New Zealand Refunds & Credits
    • Lounges, Upgrades, Car Hire & More
      • How to Get Access to Airport Lounges
      • Air New Zealand Skycouch Review
      • No Nonsense Upgrade Guide
      • Car Rental Hire
      • Auckland Airport Car Parking
    • Best of New Zealand
      • Auckland Travel for Less
      • 100+ Free Things to do in Auckland
      • Queenstown Like a Local
    • Hotels & Dining
      • Accor Plus Review
      • First Table Guide
      • Hotel Booking Sites Compared
    • Foreign Currency Exchange
      • Currency Converter
      • Australian Dollars Exchange Rate
      • American Dollars Exchange Rate
      • British Pound Exchange Rate
      • Canadian Dollars Exchange Rate
      • Euro Exchange Rate
      • Fijian Dollars Exchange Rate
      • Hong Kong Dollar Exchange Rate
      • Korean Won Exchange Rate
      • Indian Rupee Exchange Rate
      • Japanese Yen Exchange Rate
      • Malaysian Ringgit Exchange Rate
      • South African Rand Exchange Rate
      • Singapore Dollars Exchange Rate
      • Thai Baht Exchange Rate
      • Chinese Yuan Exchange Rate
  • Travel Insurance
    • Compare Travel Insurance
    • AMEX Airpoints Platinum Travel Insurance Review
    • Travel Insurance by Destination
      • Australia and the Pacifc
        • Australia Travel Insurance
        • Fiji Travel Insurance
        • Rarotonga Travel Insurance
      • Asia
        • Bali Travel Insurance
        • China Travel Insurance
        • India Travel Insurance
        • Japan Travel Insurance
        • Malaysia Travel Insurance
        • Singapore Travel Insurance
        • South Korea Travel Insurance
        • Thailand Travel Insurance
        • Vietnam Travel Insurance
      • Americas & Africa
        • Canada Travel Insurance
        • Peru Travel Insurance
        • South Africa Travel Insurance
        • USA Travel Insurance
      • Europe
        • France Travel Insurance
        • Greece Travel Insurance
        • Italy Travel Insurance
        • UK Travel Insurance
    • Specific Risk Cover
      • Do I Need Travel Insurance?
      • Pregnancy Travel Insurance
    • Travel Insurer Reviews
      • Southern Cross Travel Insurance Review
      • 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
  • Mobile & SIM
    • Compare Mobile Plans
    • SIM Only Mobile Plans
    • eSIM Plans
    • Apple Watch Buying Guide
    • Spark Mobile Review
    • 2degrees Mobile Review
    • One NZ Mobile Review
    • Kiwi Mobile Review
    • Mobile Data Roaming
    • Saily Review
    • Best iPhone Plans
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Mortgage Break Fees - The Definitive New Zealand Guide

A mortgage break fee is a penalty your lender may charge if you pay off the loan balance too early - our guide explains how this works, what it can cost, alternatives to breaking fees and frequently asked questions.
Mortgage Break Fees NZ
Updated 8 December 2024
Summary:
  • Many New Zealanders are worrying about their mortgage repayments. Even if the OCR drops, there is a lot of uncertainty around mortgage repayment costs.
  • As a result, some homeowners are considering selling their property to get rid of the mortgage or accelerate the rate at which they pay down their mortgage to reduce total mortgage interest costs. Others want a cheaper deal than what they've signed up for. However, there is confusion around potential break fees associated with paying off their mortgage early.
  • Mortgage break fees can be a high cost for homeowners looking to switch lenders or pay off their mortgage early and may not always be the most financially viable option. Therefore, it's a good idea to consider the long-term financial implications of breaking your mortgage and weigh the costs against the potential benefits. You may also want to speak with a mortgage broker to help you determine the best course of action.
  • Important - it is impossible to know the cost of breaking a mortgage without talking to the lender given the formulas and calculations used.

To help you understand your options and the costs involved, our guide covers:
  • What are Mortgage Break Fees?
  • How Can I Calculate a Mortgage Break Fee?
  • What Are Ways I Can Minimise or Avoid Mortgage Break Fees?
  • Top Tips for Homeowners Considering Breaking their Mortgage
  • Mortgage Break Fee Must-Know Facts
  • Frequently Asked Questions

Your Guide to Mortgage Break Fees, Brought to You by LifeDirect Mortgages

LifeDirect Mortgages, a trusted name in mortgage brokering across New Zealand, proudly supports this guide. We value LifeDirect Mortgages' commitment to helping New Zealanders secure the best home loan solutions, offering personalised advice tailored to your needs.

Whether you're a first-home buyer, looking to refinance, or exploring investment property options, LifeDirect Mortgages' experienced team makes the process simple, transparent, and stress-free. We proudly name them winners of our 2024 Editor's Choice for our favourite nationwide mortgage adviser.

We encourage you to contact their friendly experts to discuss your mortgage needs - you can learn more about LifeDirect Mortgages with our detailed review or visit their website.
Visit LifeDirect Mortgages
LifeDirect Mortgages
LifeDirect Mortgages Award

What are Mortgage Break Fees

What are Mortgage Break Fees?

Mortgage break fees are charged by mortgage lenders when a borrower pays off their mortgage early or switches to a new lender before the end of their mortgage term. These fees are intended to compensate the lender for the loss of future interest payments that would have been earned had the borrower continued with their current mortgage until the end of the term.
​
Mortgage break fees are typically a percentage of the remaining mortgage balance. However, they can vary widely depending on the lender, the mortgage product, and the time remaining on the mortgage term. Generally, the longer the remaining mortgage term, the higher the break fee will be.

Know This: You'll need to talk to your lender to get the exact number
  • Kiwibank, for example, explains break fees in its 30+ page mortgage terms and conditions PDF, although the exact cost isn't clear on first inspection;. we argue this is an issue among all lenders.
  • For example, Kiwibank states "We apply our own mathematical formula to calculate your fixed rate break cost, which we consider reflects a reasonable estimate of our loss in these circumstances" and then proceeds to outline the costs with a four-step formula that doesn't include the values used.
  • This makes it impossible to know the cost of breaking a mortgage without talking to the lender.

When do mortgage break fees apply?

Mortgage break fees apply in specific situations set out in the mortgage agreement. Generally, mortgage break fees apply when borrowers pay off their mortgage early, either in full or through a partial payment, or when they switch to a new lender before the end of their mortgage term. This scenario can also include situations where a borrower refinances their mortgage with a new lender or sells their home and pays off the mortgage with the proceeds.
​
Know This: Mortgage break fees may also apply if a borrower misses a mortgage payment or if they default on their mortgage. In these cases, the lender may charge a break fee in addition to any late fees or penalties that may be owed.
​
Not all mortgages have break fees: Some mortgage products may not have break fees. Variable and floating rate mortgages don't have break fees. It's a good idea to carefully review the terms and conditions of your current mortgage before deciding to pay it off early or switch lenders to ensure that you understand any potential break fees that may apply.

How Can I Calculate a Mortgage Break Fee?

How Can I Calculate a Mortgage Break Fee?

Mortgage break fees are typically calculated as a percentage of the remaining mortgage balance. The exact percentage will depend on the lender, the mortgage product, and the time remaining on the mortgage term. Generally, the longer the remaining mortgage term, the higher the break fee will be. Mortgage break fees can range from a few percent to more than 10%.

To calculate your mortgage break fee, you will need to know the following:
  • The outstanding balance of your mortgage: This is the amount you owe on your mortgage, including any unpaid interest.
  • The mortgage break fee percentage: This is the percentage of the remaining mortgage balance you will be required to pay as a break fee. You can find this information by looking at your mortgage documents or by contacting your lender.

What’s an example of a mortgage break fee calculation?

To calculate your mortgage break fee, you can use the following formula:
  • Mortgage break fee = Remaining mortgage balance x Mortgage break fee percentage
  • As a practical example, if you have a remaining mortgage balance of $200,000 and a mortgage break fee percentage of 5% as listed in your mortgage contract, your mortgage break fee would be $10,000 ($200,000 x 5%).

​Generally, the higher the outstanding mortgage balance, the less reluctant New Zealanders will be to break their mortgage early. However, the potential benefits to breaking a mortgage (either by paying off the balance in full or switching lenders) can outweigh the mortgage break fee if the benefit gained (through interest savings or lower interest rate) is more significant than the break fee.

How can I find out what the total cost will be to break a mortgage? You'll need to speak to your lender who will calculate the cost based on their formula and inputs.

Ways to Minimise or Avoid Mortgage Break Fees

What Are Ways I Can Minimise or Avoid Mortgage Break Fees?

​There are a few ways that you can minimise or avoid mortgage break fees altogether:

1. Consider switching to a mortgage product with no break fees.

​Some mortgage products, such as variable and floating rate mortgages, won't have break fees. Therefore, if you’re considering switching lenders or paying off your mortgage early, you may consider switching to one of these mortgages to minimise or avoid break fees. However, if your current mortgage already has a break fee provision, it’s unlikely you’ll be able to break your existing mortgage without paying the break fee. However, we suggest talking to your existing lender about your plans to switch from a fixed to a floating deal - in some circumstances, lenders can be flexible with break fee provisions.

2. Negotiate with your lender.

​If you're considering paying down your mortgage early or switching to a new lender, you may be able to negotiate with your current lender to reduce or waive the break fee. This negotiation may be more successful if you've been a good customer and made all your mortgage payments on time. Additionally, if you’re able to articulate good reasons why you need to break your mortgage early (whether due to financial hardship, moving overseas or for personal reasons), a bank may be more likely to waive the break fee.

3. Pay off your mortgage gradually, rather than all at once.

​Instead of paying off your mortgage in full or making a large partial payment, you may be able to avoid or minimise break fees by making smaller extra payments to your mortgage each month within an allocated allowance of over-payments. Making smaller extra payments can help you pay your mortgage faster through reduced interest expense without triggering the mortgage break fee provision (incurring significant break fees).

4. Wait until the end of your mortgage term.

​If you can afford to do so, you may be able to avoid mortgage break fees altogether by waiting until the end of your mortgage term to switch lenders or pay off your mortgage. However, this may not be an option for everyone, as you may need to switch lenders or pay off your mortgage early for financial or personal reasons. Additionally, you’ll still pay the full amount of interest expense if you wait until the end of your mortgage term.

Tips for Breaking a Mortgage NZ

Top Tips for Homeowners Considering Breaking their Mortgage

1. Make sure you fully understand the terms and conditions of your mortgage.

This includes any potential break fees, before deciding to pay it off early or switch lenders. Often, homeowners will be focused on other key areas of the mortgage agreement, like the interest rate or loan period, rather than provisions like the mortgage break fee section. However, all provisions of the mortgage agreement will be relevant and applicable, so it’s important you fully understand all aspects of your mortgage agreement. 

2. Shop around for the best offer from competing banks.

​If you’re considering switching mortgage lenders or paying off your mortgage early, it's a good idea to compare mortgage rates and fees to find the best deal. Remember that the lowest mortgage rate may not always be the best option if it comes with high break fees or hidden costs. Therefore, it's important to consider the overall cost of the mortgage, including any break fees, when making your decision - a mortgage broker knows this market and can assist.

3. Consider the long-term costs of breaking your mortgage above and beyond the break fee.

​While breaking your mortgage may save you money in the short term, it may also cost you more in the long term. For example, if you switch to a mortgage with a lower interest rate, you may save money on your monthly mortgage payments but also pay more in break fees. Therefore, it's important to consider, calculate and compare the long-term costs and benefits of breaking your mortgage before deciding.

4. Before breaking your mortgage, seek financial advice from a registered financial advisor.

Homeowners need to understand the terms and conditions of their mortgage, including any potential break fees, before deciding to pay it off early or switch lenders. They should also consider the long-term costs and benefits of breaking their mortgage and seek financial advice if they are unsure about their options.

Suppose you are unsure whether to break your mortgage or have questions about the potential costs and benefits. In that case, it's a good idea to seek financial advice from a qualified professional. A mortgage broker can help you understand your options and make an informed decision; our guide has more information about the services offered by mortgage brokers.

5. You can break your mortgage without incurring any fees (subject to the mortgage agreement).

​It is possible to make extra payments (known as overpayments) on your mortgage without incurring a fee as long as you do not pay off the entire balance before the agreed-upon term. However, it is important to check the terms of your mortgage and speak with your lender before making any decisions about early repayment. Below are a few ways to break your mortgage without incurring fees. 

For example, the ANZ allows you to make extra repayments without being charged an Early Repayment Recovery, including increasing regular repayments by up to $250 a week and making an extra lump sum repayment that's no more than 5% of your current loan amount. Bank guidance includes:
  • ANZ Early Repayment
  • ASB Early Repayment
  • BNZ Early Repayment
  • Kiwibank Early Repayment
  • Westpac Early Repayment

Mortgage Break Fees Must Know Facts

Mortgage Break Fee Must-Know Facts

1. Before signing up for a mortgage or switching mortgages, fully read the contract's provisions (especially regarding break fees).

​It's important to carefully review the terms and conditions of your mortgage and seek financial advice before deciding to pay off your mortgage early or switch lenders to ensure that you understand any potential break fees that may apply. Unfortunately, many banks will not disclose these conditions and assume you've read all the conditions when you sign the mortgage agreement. Therefore, it's important to either read it thoroughly or get a lawyer to review the agreement beforehand to ensure you're fully aware of what you might be liable for. 

2. Watch out for additional fees above and beyond the mortgage break fee.

​Mortgage break fees may include other fees and charges, such as legal, valuation, and processing fees. These additional fees may vary depending on the lender and the circumstances of your mortgage break. What you may estimate to be only a small fee to break your mortgage may become significantly more costly when you add in all the other fees associated with breaking your mortgage. Therefore, you must understand all the costs you'll likely incur if you break your mortgage. 

3. Break fees may be more expensive for fixed-rate mortgages.

​Not all mortgage products have break fees associated with them. Mortgage break fees are typically higher for fixed-rate mortgages than for variable or floating-rate mortgages. This rate differential exists because fixed-rate mortgages offer a fixed interest rate for a set period. The lender is counting on receiving a certain interest over the term. If the borrower pays off the mortgage early or switches to a new lender, the lender will lose out on the expected interest payments, and the break fee is intended to compensate for this loss.

4. Break fees may be waived in some circumstances.

​In some cases, mortgage lenders may waive the break fee if the borrower can demonstrate that they have extenuating circumstances, such as a significant change in their financial situation or a medical emergency. It's a good idea to speak with your lender if you believe you have grounds for waiving the break fee.

5. Break fees may be tax-deductible.

​In some cases, mortgage break fees may be tax-deductible in New Zealand. According to the Inland Revenue Department (IRD), break fees may be tax-deductible if they are incurred due to a borrower's business or investment activities. While this won't cover home loans, if your mortgage break fee is related to business, it's a good idea to speak with a tax professional to determine whether your mortgage break fees are tax-deductible.

Mortgage Break Fees - Frequently Asked Questions

Frequently Asked Questions

How do I know if I’ll have to pay a mortgage break fee on my current mortgage?

​The first place to look if you’re concerned about mortgage break fees is your mortgage agreement. Your mortgage agreement will detail whether you need to pay a break fee if you break your mortgage early. Alternatively, your bank or lender will understand the conditions of your mortgage and can guide you through this process. Get in touch with your bank or lender and ask whether you’ll need to pay a break fee if you follow through on your decision to either switch lenders or pay off the mortgage early. 

Why would I want to break my mortgage?

There are a few reasons why someone might want to break their mortgage:
  • Interest rate changes: Interest rates may have dropped significantly since they took out their mortgage. In this case, breaking the mortgage and taking out a new one at a lower interest rate could save the borrower a significant amount of money in the long run. While lower interest rates are unlikely in New Zealand in the coming years, the reason remains valid.
  • Change in financial situation: The borrower's financial situation has changed significantly, making it difficult to afford the monthly mortgage payments. Breaking the mortgage and finding a more affordable option could help the borrower avoid defaulting and losing their home.
  • Desire to sell their home: The borrower wants to sell their home and needs to pay off the mortgage to do so. Breaking the mortgage would allow the borrower to pay off the outstanding balance and be free to sell the home without the burden of a mortgage.

It's important to note that breaking a mortgage can be expensive, as it usually involves paying the penalty to the lender. It's also worth considering the long-term financial implications of breaking a mortgage and taking out a new one. It may be more cost-effective to refinance the existing mortgage instead of breaking it.

I want to break my mortgage early. How can I do this?

You'll need to pay off the remaining balance on your mortgage in full to break your mortgage early. Breaking your mortgage early usually involves paying the penalty to the lender, known as a mortgage breakage fee or prepayment charge. The amount of the fee will depend on the terms of your mortgage and the current interest rates.

There are a few ways to pay off the remaining balance on your mortgage:
  • First, sell your home: If you sell your home, you can use the proceeds from the sale to pay off the remaining balance on your mortgage.
  • Refinance your mortgage: If you have equity in your home and can qualify for a new mortgage at a lower interest rate, you may be able to refinance your existing mortgage and use the funds from the new mortgage to pay off the old one.
  • Use your savings: If you've come into some money recently or have enough savings to pay off the remaining balance on your mortgage, you can use those funds.

It's important to note that breaking a mortgage can be expensive and may not always be the most financially viable option. Therefore, it's a good idea to consider the long-term financial implications of breaking your mortgage and weigh the costs against the potential benefits. You may also want to speak with a mortgage broker to help you determine the best course of action.

When do mortgage break fees apply?

​Mortgage break fees typically apply when borrowers pay off their mortgage early, either in full or through a partial payment, or when they switch to a new lender before the end of their mortgage term. In addition, mortgage break fees can apply when a borrower refinances their mortgage with a new lender or when they sell their home and pay off the mortgage with the proceeds. Mortgage break fees may also apply if a borrower misses a mortgage payment or if they default on their mortgage.

How are mortgage break fees calculated?

Mortgage break fees are typically calculated as a percentage of the remaining mortgage balance. The exact percentage will depend on the lender and the mortgage product, ranging from a few percent to more than 10%.
​
To calculate your mortgage break fee, you can use the formula: Mortgage break fee = Remaining mortgage balance x Mortgage break fee percentage.

How do I know if I’ll have to pay a mortgage break fee?

The best way to know if you’ll have to pay a mortgage break fee is to carefully review your mortgage's terms and conditions. This information should be provided in your mortgage documents, or you can contact your lender to inquire about any potential break fees that may apply.

Is it always a good idea to break my mortgage?

Whether or not it's a good idea to break your mortgage will depend on your circumstances and financial goals. It's important to carefully consider the long-term costs and benefits of breaking your mortgage and any potential break fees before making a decision. You may also want to seek financial advice from a qualified professional to help you understand your options.

Why do mortgage break fees exist? First, they seem unfair to homeowners.

​In New Zealand, mortgage break fees can be expensive for homeowners looking to switch lenders or pay off their mortgage early. These fees are intended to compensate the lender for the loss of future interest payments that would have been earned had the borrower continued with their current mortgage until the end of the term.

Your Guide to Mortgage Break Fees, Brought to You by LifeDirect Mortgages

LifeDirect Mortgages, a trusted name in mortgage brokering across New Zealand, proudly supports this guide. We value LifeDirect Mortgages' commitment to helping New Zealanders secure the best home loan solutions, offering personalised advice tailored to your needs.

Whether you're a first-home buyer, looking to refinance, or exploring investment property options, LifeDirect Mortgages' experienced team makes the process simple, transparent, and stress-free. We proudly name them winners of our 2024 Editor's Choice for our favourite nationwide mortgage adviser.

We encourage you to contact their friendly experts to discuss your mortgage needs - you can learn more about LifeDirect Mortgages with our detailed review or visit their website.
Visit LifeDirect Mortgages
LifeDirect Mortgages
LifeDirect Mortgages Award

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        • Qantas Credit Cards
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  • Banking & Savings
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  • KiwiSaver
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  • Power
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  • Essential Money Tips
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    • Money & Relationships
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    • Valuable Insights
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  • Financial Independence
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  • Trade Services
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