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

Save thousands over the life of your mortgage by picking the right policy upfront

Compare Quotes
Compare Mortgage Protection Insurance NZ
Updated 7 August 2022
​

A major fear of homeowners around New Zealand is the threat of home repossession if they find themselves unable to pay their mortgage. Mortgage protection insurance eliminates this risk by taking care of repayments for a set period of time, or until you retire. For many people, it can be an effective product, but many New Zealand homeowners massively overpay by buying expensive cover.

In this guide, we explain what Mortgage Protection Insurance is, what the pros and cons are, highlight FAQs and compare policies available from numerous insurers. 

Our guide covers:
  • Mortgage Protection Insurance - The Basics and How Much it Costs
  • Do I need Mortgage Protection Insurance?
  • 5 Mortgage Protection Insurance Must-Know Facts
  • Mortgage Protection Insurance - Costs and Best Buy Policies
  • Mortgage Protection Insurance FAQs
Are you looking for life insurance, redundancy insurance or income protection insurance?
This guide isn't for you - see our guides to life insurance, redundancy insurance and income protection insurance.

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

Mortgage Protection Insurance in a Nutshell - Our View:
  • Mortgage Protection insurance policy costs vary between insurers - comparing is the best way to get the best deal. Never go direct to an insurer without other quotes in hand.
  • While Cigna appeared to be the best value for a number of quotes, every person or couple will have different needs, mortgage balances and expectations.
  • We strongly suggest using a comparison tool; LifeDirect is the most extensive and offers quotes from multiple leading mortgage protection insurers such as Cigna, AIA, Fidelity, Partners Life and Asteron Life, among 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.
Get a quote from LifeDirect
Compare our results

Compare Mortgage Protection Insurance NZ

Mortgage Protection Insurance - The Basics

If your biggest asset is your health, having even a short-term illness which causes you to miss work can have significant financial consequences. While ACC will cover you for an injury, illnesses won't be covered, so you will need to find the money to keep up with mortgage repayments. Mortgage Protection Insurance covers your monthly repayments should you be unable to make them for as long as your policy states. This covers you for illness, disability, redundancy and mental health conditions, but, like all insurance policies, there are exceptions and exclusions. 

How much does mortgage protection insurance cost?

The table below shows indicative annual policy costs for mortgage protection insurance for someone earning the average New Zealand salary ($50,000) and paying an average first-home New Zealand mortgage ($2,200) every month, based on a $400,000 loan.

Mortgage protection insurance costs will vary based on factors such as your age, minimum wait period before claiming, and the cost of your mortgage repayments. If you do need to claim, most insurers will pause the cost of your policy while you're unable to work so that your payouts are not being spent on insurance costs. ​
Age
Lowest Quote
Highest Quote
30 year old Male (Accountant)
​$170.40
​$386.68
45 year old Male (Builder)
$581.48​
​$886.89​
30 year old couple (Male and Female, Accountants)
​$450.52
​$730.77​
40 year old couple (Male and Female, Teachers)
​$794.73
​$1223.03​
​Data: Quotes and pricing correct as at 25 July 2021. Applicants were paying a $2,200 mortgage every month, with a $400,000 mortgage owing. A waiting period of 8 weeks applies, with a payment period of two years. Quotes for AIA, Cigna, Fidelity, Asteron Life and PartnersLife were supplied by LifeDirect and found to be the same (or cheaper) than going direct to the respective insurer. 

Mortgage Repayment Insurance

Do I need Mortgage Protection Insurance?

Before buying a policy, which is going to cost at least $15,000 to $25,000 over a 25-year mortgage, make sure you need the benefits, and the product is right for you. For those most afraid of being injured at work, ACC provides generous support if you need to take time off work. Additionally, sickness benefits, personal savings, WINZ support and existing insurance policies may step in to provide a safety net similar to mortgage protection insurance. 

1. Sickness benefits – WINZ benefits are minimal, at around $100 to $150 per week, but if you’re unable to work due to illness, you can apply to receive the payment. While it is unlikely to cover your ongoing mortgage payments, we have included it here as a factor for consideration when looking for a policy.

2. Sick leave entitlements – your employer may have a generous sick leave policy, and often those who have worked the longest receiving more extended sick leave allowances. Before buying any mortgage protection insurance policy, find out what your sick leave benefits are. 

3. ACC payments – if you’re more concerned about an injury than developing an illness, ACC covers up to 80% of your income as weekly compensation if you’re unable to work because of a covered injury. This means you can keep up with your mortgage while you recover. 

4. Existing insurance – if you have existing income protection insurance and/or health insurance, you may be able to put payments from these policies towards your mortgage repayment.  Income protection should offer significant benefits and assist with mortgage repayment. For health insurance, some policies provide lump-sum payments upon a diagnosis to help with family expenses, such as mortgage repayments. However, these benefits are only paid once per claim.

Compare Mortgage Protection Insurance NZ

5 Mortgage Protection Insurance Must-Know Facts

  1. Banks love to sell mortgage protection insurance, but it's not compulsory with a mortgage - banks are not known for selling the most affordable insurance, and won't like it if you compare prices. But you don't need to buy ANY insurance policies when getting a mortgage. 
  2. Mortgage payments are capped - if you have a large mortgage, i.e. over $1m, you may find yourself needing additional cover. For example, LifeDirect limits cover to a maximum of $5,000 per month.
  3. The wrong cover can be very expensive in the long-term - if you're planning to take out a policy for at least 10 years, overpaying by even $250 per year can add up. 
  4. ACC covers you for injuries - if you work in a trade or outdoors and are more at risk of injury than illness, ACC can cover up to 80% of your regular income while you recover. You're then free to pay your mortgage with the benefits received. 
  5. Mortgage protection insurance is flexible - with most policies, you can insure for 2 or 5 years of mortgage payments, or mortgage payments up to the age of 65 or 70. Understandably, the shorter the cover period, the lower the cost of insurance, and vice versa. The number of weeks you select before receiving payments also alters what you'll pay, with some policies offering up to 13 weeks.

Mortgage Protection Insurance in a Nutshell - Our View:
  • Mortgage Protection insurance policy costs vary between insurers - comparing is the best way to get the best deal. Never go direct to an insurer without other quotes in hand.
  • While Cigna appeared to be the best value for a number of quotes, every person or couple will have different needs, mortgage balances and expectations.
  • We strongly suggest using a comparison tool; LifeDirect is the most extensive and offers quotes from multiple leading mortgage protection insurers such as Cigna, AIA, Fidelity, Partners Life and Asteron Life, among 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.
Get a quote from LifeDirect
Compare our results

Mortgage Repayment Insurance

Mortgage Protection Insurance FAQs

To make things clear, our list of FAQs below covers the key essentials of how mortgage protection insurance works and what it covers.
Compare Mortgage Protection Insurance NZ

​Do I need a mortgage protection insurance policy?

It depends – everyone is different, and you will need to evaluate your needs. Buying mortgage protection insurance cover can be useful for giving peace of mind when you lose your ability to earn. The policy is designed to help you meet your mortgage repayments until you return to work. The level of cover you buy affects the policy cost.
Compare Mortgage Protection Insurance NZ

When does a mortgage protection insurance policy payout, and what am I entitled to?

Each policy has an excess period, which is the amount of time you need to wait before being entitled to payment – usually a set number of weeks. If you have an 8-week excess period, you would receive your payments 56 days after submitting a claim. If you were to take an 8-week excess period, you would need around two months of mortgage payments saved up to cover the period you’re not earning. If this isn’t realistic, then taking a 4-week excess (or less) is possible more suitable. 

Your entitlements will be what you agreed to, usually a set amount per week, fortnight or month. If you receive sick leave payments of welfare entitlements, your insurance payouts should not be affected (but each insurer is different). ACC compensation, for example, may be taken into consideration when the insurer is making payments.
Compare Mortgage Protection Insurance NZ

What are the exclusions for mortgage protection insurance cover?

It’s essential you understand the fine print of any policy you buy. Generally, common exclusions include: 
  1. Deliberate injury or attempts to do so, including attempted suicide. 
  2. Criminal behaviour that leads, directly to indirectly, to a claim.
  3. Lost income due to pregnancy (unless a disability lasts for more than 90 days after the end of a pregnancy).
  4. Non-compliance with the treatment recommended by the attending treatment providers.
  5. If the policyholder is imprisoned.
  6. Pre-existing medical conditions.
Compare Mortgage Protection Insurance NZ

At what age can I get mortgage protection insurance cover?

Most insurers will offer cover if you are between 18 and 65, but there are minimal work hour requirements. You can be employed or self-employed, and couples can buy joint policies. 
Mortgage Insurance NZ
Compare Mortgage Protection Insurance NZ

How much will I receive each month?

The amount that is paid out will depend on the cover level you select. Insurers allow up to 110% or even 125% of your mortgage costs. This is designed to cover other home-related expenses, such as electricity bills, internet and council rates. 
Compare Mortgage Protection Insurance NZ

How long will a policy pay my mortgage for?

It depends, but usually payments will be for 12 months, 2 years, five years, to the age of 65, or the age of 70. It is possible to get cover for shorter periods. As is the rule with insurance, the more generous the benefits, the higher the premium cost. Getting the right balance between affordable and suitable benefits takes a bit of planning. Our best buy policies (LINK) outline the best deals available right now. 
Compare Mortgage Protection Insurance NZ

How easy is it to cancel or switch policies?

Some mortgage protection insurance policies have wait times, avoiding the risk that someone signs up on Monday and claims on Friday etc. You can switch, but if you become unable to work in the wait time of your new policy, you will need to cover mortgage payments yourself. Furthermore, any pre-existing conditions may not be covered, meaning your cover is a lot less. Switching may seem like an easy way to save money, but it can have significant consequences. 
Compare Mortgage Protection Insurance NZ

What happens if I die while receiving mortgage protection insurance payments?

If you die or receive a terminal diagnosis, some policies will offer a ‘bereavement support benefit’ to help you plan for the future. As an example, in the case of Sovereign’s policy, if the policyholder is diagnosed with a terminal condition that is likely to cause death within 12 months, the insurer pays three times the monthly benefit. However, this is a one-off payment. Unlike life insurance, mortgage protection insurance only covers your mortgage while you are living – it’s designed to meet mortgage repayments until you’re well enough to return to work. It’s not intended to pay out lump sums to clear a mortgage. 
Compare Mortgage Protection Insurance NZ

What happens if I can work part-time, but unable to work full-time?

The benefit your policy pays out will be adjusted. For example, if you are able to work 20 hours per week while partially disabled, and previously worked 40 hours per week on average before becoming disabled, then, in most cases, you will receive 50% of your mortgage payment. 
Compare Mortgage Protection Insurance NZ

Will I be covered if I am made redundant?

Redundancy is, generally, not a standard covered event when it comes to mortgage protection insurance. However, some insurers offer it as an optional benefit. If this is important to you, look for an insurer who offers it. 

Mortgage Protection Insurance in a Nutshell - Our View:
  • Mortgage Protection insurance policy costs vary between insurers - comparing is the best way to get the best deal. Never go direct to an insurer without other quotes in hand.
  • While Cigna appeared to be the best value for a number of quotes, every person or couple will have different needs, mortgage balances and expectations.
  • We strongly suggest using a comparison tool; LifeDirect is the most extensive and offers quotes from multiple leading mortgage protection insurers such as Cigna, AIA, Fidelity, Partners Life and Asteron Life, among 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.
Get a quote from LifeDirect
Compare our results

Compare Mortgage Protection Insurance NZ

Mortgage Protection Insurance - Comparing the Costs and Best Policies

To understand the quotes currently available to everyday New Zealanders, we selected five of the major mortgage protection insurance providers and obtained quotes for six different profiles for a mortgage of $400,000:
  • Individual: 30 year old man, non-smoker
  • Individual: 45 year old man, non-smoker
  • Joint: 30 year old man and 30 year old woman, non-smoker
  • Joint: 40 year old man and 40 year old woman, non-smoker

Disclaimer: Specific Mortgage Protection Insurance policies and their terms and conditions differ between insurers. We make no representation that the quotes below imply that the policies are the same in form and substance. Please review policies in detail before making any decision. Quotes for AIA, Cigna, Fidelity, Asteron Life and PartnersLife were supplied by LifeDirect and found to be the same (or cheaper) than going direct to the respective insurer. Please note, the sample below does not represent the entire mortgage protection insurance marketplace.
​
Our analysis and the results below confirm a number of issues with mortgage protection insurance:
  1. Females pay more than males of the same age and stats - per our conversation with a mortgage protection insurer, statistically speaking there's more chance of a female claiming than a male (and the same applies for income protection). This means the policies will always be more expensive. 
  2. Smokers pay more than 15% to 25% for the same policy based on our sample quotes. 

How to save thousands on mortgage protection insurance over the life of your home loan
  1. Firstly, never go directly to an insurer first. You’ll pay full price and have nothing to compare with so it may (and probably won't) be the best deal.
  2. Instead, start with a comparison website like LifeDirect. They compare the latest prices from a select number of insurers and aim to give the consumer all of the relevant information to make a decision. LifeDirect can also provide financial advice to help you tailor your insurance needs.
  3. If you have a specialist health need, family situation and/or prefer to talk to someone directly, contacting LifeDirect and talking to one of their insurance advisors is a sensible step.

Our Quotes
  • We obtained multiple quotes from five insurers for four individual policies each requiring $2,200 a month of mortgage protection cover for two years.
  • While every policy is different, our Best Buys do indicate the range in price among insurers.
  • The results are below, and indicate a large variation in pricing. 
  • Quotes for AIA, Asteron, Cigna, Fidelity, PartnersLife were supplied by LifeDirect and found to be the same (or cheaper) than going direct to the respective insurer. 
Male, 30, non-smoker
  • Occupations: Accountant - Qualified
  • Annual income: $50,000
  • Cover amount: $2,200 monthly
  • Wait period: 8 weeks
  • Payment period: 2 years
Insurer
Annual Premium
Fidelity Life
$170.4
Asteron Life
$242.06
AIA
$268.73
Partners Life
$386.68​
​Cigna
248.05
Male, 45, non-smoker
  • Occupations: Builder
  • Annual income: $80,000
  • Cover amount: $2,200 monthly
  • Wait period: 8 weeks
  • Payment period: 2 years
Insurer
Annual Premium
Cigna
$617.94​
AIA
$656.23 
Fidelity Life
$581.48​
Asteron Life
$645.32
​Partners Life
$886.89​

​​Male and Female, 30, non-smokers
  • Occupations: Accountants - Qualified
  • Annual income: $50,000 each
  • Cover amount: $2,200 monthly
  • Wait period: 8 weeks
  • Payment period: 2 years
Insurer
Annual Premium
Cigna
$505.01
AIA
$545.63​
Fidelity Life
$450.52
Asteron Life
$591.2
​Partners Life
$730.77​
​Male and Female, 40, non-smokers
  • Occupations: Classroom teachers
  • Annual income: $50,000 each
  • Cover amount: $2,200 monthly
  • Wait period: 8 weeks
  • Payment period: 2 years
Insurer
Annual Premium
Cigna
$869.06​
AIA
$888.06​
Fidelity Life
$794.73
Asteron Life
$1,006.01
​Partners Life
$1223.03​

Mortgage Protection Insurance in a Nutshell - Our View:
  • Mortgage Protection insurance policy costs vary between insurers - comparing is the best way to get the best deal. Never go direct to an insurer without other quotes in hand.
  • While Cigna appeared to be the best value for a number of quotes, every person or couple will have different needs, mortgage balances and expectations.
  • We strongly suggest using a comparison tool; LifeDirect is the most extensive and offers quotes from multiple leading mortgage protection insurers such as Cigna, AIA, Fidelity, Partners Life and Asteron Life, among 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.
Get a quote from LifeDirect
Compare Quotes

Related Guides
  • Life insurance
  • Redundancy insurance
  • Income protection insurance
  • ​Home Loans
  • ​House Insurance
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  • Loans & Finance
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  • Banking & Savings
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    • Buying a Home
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  • KiwiSaver
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  • Business
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  • MSD
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  • Motoring
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  • Law
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  • Travel
    • How to Get Access to Airport Lounges
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  • Broadband
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  • Power
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    • Power Companies
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  • Financial Independence
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      • Achieving Financial Independence, Faster
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      • Beginner's Guide to Tax
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    • Money Tips
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      • 20 Indicators You're Doing Well Financially
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      • 20 Money Habits that Keep You Poor
      • Saving on Household Bills
      • Debt Help
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      • Getting into Debt to Meet Short Term Living Costs
      • How to Survive a Recession
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      • Free Money from the Government
      • Bankruptcy Guide
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      • Financial Planning for Children With Disabilities
      • Should I Stop Contributing to KiwiSaver?
      • Teaching Kids About Money
      • Single Parenting and Money
      • How to Protect Your Finances from Inflation
      • Impacts of Inflation in New Zealand - 2022 and Beyond
      • Tips for Families on a Single Income
      • Side Hustles
      • Charities in New Zealand
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
  • Trade & Professional Services
    • Auckland Trade & Professional Services
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    • Wellington Trade Services
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    • Christchurch Trade Services
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    • Hamilton Trade Services
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    • Tauranga Trade Services
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