MoneyHub NZ
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  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
          • Stake Black Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Invest Direct Review
        • InvestNow Review
        • Kernel Review
        • Kernel Shares & ETF Investing Review
        • Interactive Brokers
        • Smart Review
        • Catalist Review
      • Comparisons
        • Sharesies vs Hatch vs Stake
        • Kernel vs Smart
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Invest Direct and more
        • Best Investment Apps
        • How Do I Start Investing?
        • Virtual Stocks and Shares Trading Games
      • Guides
        • How to Invest in Shares
        • Investing 101
        • Investing in Vanguard Funds from New Zealand
        • Investing in the US Stock Market from New Zealand
          • How To Buy Tesla Shares
          • How To Buy Apple Shares
          • How To Buy Amazon Shares
          • How To Buy Alphabet Shares
          • How To Buy Netflix Shares
          • How To Buy Microsoft Shares
          • How To Buy Meta Shares
        • US Extended Hours Trading Explained
        • What Happens If Your Investing Platform Shuts Down?
        • Fractional Shares
        • Transferring Share Portfolios
        • How to Read and Understand a Share Chart
        • NZX in a Nutshell
        • Investing in the ASX from New Zealand
        • Investing in Asian Markets from New Zealand
        • Understand Gross vs Net
        • How to Attend the 2026 Berkshire Hathaway Annual Shareholders Meeting
    • Introduction to Investing
      • Guides
        • Index Funds
        • ETFs (Exchange Traded Funds)
        • Cash Funds
        • Index Funds vs ETFs
        • 10 Ways to Invest in New Zealand
        • Compound Interest Explained
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • Investing in the S&P 500 from New Zealand
        • Best Retirement Income Products in New Zealand
        • Shares vs ETFs
        • Shares vs Property Investment
        • Dollar Cost Averaging Guide
        • Margin Lending and Loans Explained
        • Borrowing to Invest in Property, Shares or Funds
        • Passive Income Strategies
        • How Wealthy New Zealanders Invest Their Money
        • The Best Way to Invest Inheritance or a Windfall
        • Barefoot Investor-Friendly Financial Products in New Zealand
        • Investment Terms Glossary
        • IPOs
        • Investing in Dividend Shares
        • Common Shareholder Numbers in New Zealand
        • Shorting a Stock
        • Investing vs Trading vs Gambling
        • Investment Strategies for the Time-Poor
        • Advanced Trading Concepts
        • New and Emerging Investment Opportunities and Trends
      • Young People and Investing
        • Investing for Kids
        • Investing For Grandchildren
        • 10 Top Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
        • Dosh Review
      • Investing Calculators
        • Term Deposit Calculator
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Managed Funds
          • Pie Funds Management Review
          • Booster Private Land and Property Fund Review
          • AMP Managed Funds Review
        • Our Favourite Managed Funds
        • Advisers
          • Financial Advisers Overview
          • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
          • Financial Advisers Auckland
          • Financial Advisers Hamilton
          • Financial Advisers Tauranga
          • Financial Advisers Napier & Hastings
          • Financial Advisers Palmerston North
          • Financial Advisers Wellington
          • Financial Advisers Lower Hutt & Hutt Valley
          • Financial Advisers Nelson & Tasman
          • Financial Advisers Christchurch
          • Financial Advisers Dunedin
          • Lighthouse Financial Services Review
        • Bank Credit Ratings
        • 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
      • Money Sweetspot Review
      • Nectar Review
      • Avanti Finance Review
      • Save My Bacon Review
    • Credit Scores & Interest Rates
      • Credit Scores and Credit Checks
      • How to Build Credit in New Zealand
      • How to Pay Down Debt Faster
      • Baycorp and Debt Collection
      • Interest Rates Guide
      • Interest Rate Comparison
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Compare Insurance
      • Compare Car Insurance
      • Car Insurance by Vehicle
        • Compare Toyota Aqua Insurance Costs
        • Compare Toyota Corolla Insurance Costs
        • Compare Toyota Hilux Insurance Costs
        • Compare Mazda2 and Demio Insurance Costs
        • Compare Ford Ranger Insurance Costs
        • Compare Nissan Navara Insurance Costs
        • Compare Subaru Legacy Insurance Costs
      • Reviews & Policy Comparisons
        • AMI vs AMP vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
        • Cove Car Insurance Review
        • Tower Car Insurance Review
        • Young Driver Car Insurance
        • Trade Me Car Insurance Review
        • Caravan Insurance
      • Car Insurance Guides
        • Third Party Car Insurance
        • How to Get Cheaper Car Insurance
        • Car Insurance Calculator
        • No Claims Bonuses Explained
        • Car Insurance Excess Explained
        • Cheapest Cars to Insure
        • Modifications that Make a Car Uninsurable
        • Car Insurers Directory
        • Car Insurance Glossary
        • Most Stolen Cars
    • Home, Contents and Other Insurance
      • House Insurance
      • House Insurance Calculator
      • Best Holiday Home and Airbnb Insurance Policies
      • Difficult to Insure Areas
      • Sum Insured Explained
      • Is Your Home an Insurance Risk?
      • Average Cost of Car, House, and Contents Insurance
      • Insuring Old Houses
      • Contents Insurance
      • Home and Contents Insurance
      • Renters' Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Insurance Company Financial Strength Ratings
      • Motorbike Insurance
      • Initio Review
      • Insurance Brokers
        • Trusted Insurance Brokers in Wellington
        • Trusted Insurance Brokers in Christchurch
    • Compare Pet Insurance
      • Is Pet Insurance Worth Buying?
      • Cat and Dog Desexing
      • Getting a Kitten
      • Buying a Puppy
      • Pet Euthanasia
      • Vet Costs in New Zealand
      • Dog Vaccination Schedule and Costs
      • Costs of Owning a Cat
      • Costs of Owning a Dog
    • Students Insurance
    • Life & Health Insurance
      • Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • Stepped vs Level Life Insurance
        • Life Insurance Calculator
        • Pre-Existing Medical Conditions
        • Buying Life Insurance Direct vs Using an Insurance Broker
        • Life Insurance Policies - Features and Questions to Ask
        • When To Cancel Or Change a Life Insurance Policy
        • Life Insurance For Smokers and Vapers
      • Health Insurance
        • Going to Australia for Medical Treatment
        • BMI Calculator New Zealand
      • Income Protection Insurance
        • ACC vs Income Protection Insurance
        • Income Protection Insurance for Self Employed
      • Mortgage Insurance
      • Trauma Insurance
      • Redundancy Insurance
      • Funeral Insurance
        • What to Do When a Spouse or Partner Dies
        • Funeral Costs
  • Credit Cards
    • Best Credit Cards
    • Rewards and Cashback Credit Cards
    • Credit Cards That Earn Business Class Flights
    • The Best American Express Credit Cards
    • Air New Zealand Airpoints Credit Cards
      • Kiwibank Airpoints Cards Ending – Best Replacement Options
      • ANZ vs AMEX vs Westpac Platinum Airpoints Credit Cards
      • ANZ Airpoints Visa Platinum vs AMEX Airpoints Platinum
      • Kiwibank Airpoints Platinum Visa vs AMEX Airpoints Platinum
      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
    • Balance Transfer Credit Cards
    • Platinum and Gold Credit Cards
    • Frequent Flyer Credit Cards
    • Travel Credit Cards
    • Interest Free Credit Cards
    • Virtual Debit and Credit Cards
    • Credit Cards That Provide Travel Insurance
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • American Express Gold Business Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • Where is AMEX Accepted?
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • Valuing AMEX Membership Rewards Points
        • AMEX Dining Collection Program Review
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
        • Qatar Airways Credit Cards
        • Singapore Airlines KrisFlyer Credit Cards
        • Cathay Pacific Asia Miles Credit Cards
        • Emirates Skywards Credit Cards
        • RewardPay Review
      • Flight Centre Mastercard Review
    • Guides
      • Pay Off Credit Card Debt
      • Credit Card Basics
      • Mastercard vs Visa
      • Credit Card Minimum Payments Explained
      • Credit Card Interest Calculator
      • Credit Card Debt Amortisation Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • Best Foreign Currency Debit & Credit Cards
      • Free Credit Cards
      • Low Interest Credit Cards
      • Credit Cards for Bad Credit
      • Q Card & Q Mastercard Review
      • GEM Visa Review
      • Onecard Visa Review
      • Purple Visa Review
  • Travel Money Cards
    • Travel Money Card Reviews and Comparisons
      • Wise Debit Card Review
      • Revolut Review
      • Revolut vs Wise - Which Is Better?
      • Travelex Money Card vs Wise Debit Card Comparison
      • OneSmart Card vs Wise Debit Card Comparison
      • Cash Passport vs Wise Debit Card Comparison
    • Travel Money By Country
      • Top Travel Destinations Where the NZD is Strong Right Now
      • Australia Travel Money
      • Bali Travel Money
      • Canada Travel Money
      • Europe Travel Money
      • Fiji Travel Money
      • Japan Travel Money
      • Rarotonga Travel Money
      • Singapore Travel Money
      • Thailand Travel Money
      • USA Travel Money
      • UK Travel Money
      • United Arab Emirates Travel Money
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
    • Savings
      • Best Term Deposits
      • Best Notice Saver Accounts
      • Booster Savvy Review
      • Booster Savvy Analytics Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Explained
      • NZ Bank Prefix Codes
    • Reviews
      • Wise Money Transfer Review
      • Heartland Bank Review
      • First Credit Union Review
      • NZCU Baywide Review
      • The Co-operative Bank NZ Review
      • Western Union Review
  • Mortgages
    • Mortgage Essentials
      • Best Home Loans
      • Mortgage Calculator
      • Interest Rate Predictions 2025
      • How Much Can I Borrow?
      • Debt to Income Ratios
      • Equity (and Leverage) Calculator
      • Mortgage Repayment Calculator
      • Mortgage Options
      • Mortgage Cashback
    • Other Mortgage Options
      • Interest-Only Mortgages Guide
      • Interest-Only Mortgage Calculator
      • Revolving Credit Mortgages
      • Offset Mortgages
      • Offset Mortgage Calculator
      • Fixed vs Floating Mortgage Rate Calculator
      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
      • Low-Deposit Home Loans
      • Rent to Own Homes
      • First Home Loan Guide
      • Reverse Mortgages
      • Lifetime Home Review
    • Mortgage Management
      • Saving for a House Deposit
      • Saving for a House Deposit as a Young Professional
      • Buying a Home with Family and Friends
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • What To Do if You Bought a House at the Peak of the New Zealand Market
      • Tips for Seniors Renting or Paying Down a Mortgage
      • Remortgaging Guide
      • Mortgage Relief and Holidays
      • Amortisation Calculator
      • Mortgage Break Fees
      • Defaulting on a Mortgage
      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
      • Mortgage Brokers Explained
      • Trusted Auckland Mortgage Brokers
      • Trusted Hamilton Mortgage Brokers
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers on the Kapiti Coast
      • Trusted Mortgage Brokers in Christchurch
      • LifeDirect Mortgages Review
    • Buying a Home
      • First Home Buyers Checklist
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
      • Buying an Apartment in New Zealand
      • Buying vs Renting a House
    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • Investment Property Mortgages
      • 20 Property Investment Risks You Can't Ignore
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • NZCB Review
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Our Favourite KiwiSaver Funds
      • Best Performing KiwiSaver Funds
      • Milford vs ANZ KiwiSaver Growth Funds Comparison
      • Free $500+ Government Money for KiwiSaver
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • How Aggressive Should KiwiSaver Be
      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Merging KiwiSaver and Australian Super Balances
      • Switching KiwiSaver Funds
      • KiwiSaver Robo and Digital Advice Tools
      • Ethical Kiwisaver Funds
      • KiwiSaver Private Equity Investments
    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
      • KiwiSaver Contributions - Gross or Net?
      • Employer KiwiSaver Contributions
      • Government KiwiSaver Contributions
      • KiwiSaver Savings Suspensions
      • Voluntary Contributions
      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
      • Average KiwiSaver Balance by Age
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
    • KiwiSaver Schemes
      • Amanah KiwiSaver Scheme
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • InvestNow KiwiSaver Scheme
      • Pie KiwiSaver Scheme Review
      • Kernel KiwiSaver Review
      • Kernel KiwiSaver Plan vs Superlife KiwiSaver Scheme
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • SBS Wealth KiwiSaver Scheme Review
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • GoalsGetter KiwiSaver Scheme
      • Pathfinder KiwiSaver Review
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
      • KiwiSaver Calculator
      • KiwiSaver Returns Calculator
  • Business
    • Compare Business Loans
      • Business Line of Credit
      • Business Borrowing Options
      • Small Business Loans
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Car Loan Repayment Calculator
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
      • Taxi (Business Funding) Review
    • Business Insurance
      • Public Liability Insurance
      • Professional Indemnity Insurance
      • Business Interruption Insurance
    • Wise Business Account Review
    • Business Credit Cards
    • Business Essentials
      • Money Saving Tips For Businesses
      • Get Debtors to Pay Overdue Invoices
      • Working Capital
      • Liquidations and Receiverships
      • Can't Make Payroll Guide
      • Buying out a Business Partner
      • Business Brokers
    • PAYE & Taxes
      • PAYE Calculator
      • PAYE Tax Rates 2025 & 2026
      • Minimum Wage
      • Tax Codes in New Zealand
    • Business Calculators & Resources
      • GST Calculator
      • GST Due Dates 2025
      • Business Loan Calculator
      • ROI Calculator
      • IRR Calculator
      • Internal Rate of Return
      • Percent Off Calculator
      • Profit Margin Calculator
      • Current Ratio Calculator
      • Quick Ratio Calculator
    • Online Services
      • Domain Names
      • Trusted Web Designers
        • Auckland Web Designers
        • Hamilton Web Designers
        • Wellington Web Designers
        • Christchurch Web Designers
        • Tauranga Web Designers
        • Lower Hutt Web Designers
        • Dunedin Web Designers
      • Digital Identity Programs and Online Verification Tools
      • Trusted Auckland SEO Companies
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
      • Retail Security Options and Costs
    • For Startups
      • How to Start a Business in New Zealand
      • Raising Capital
      • Product Market Fit
      • Crowdfunding vs Bank Financing
      • Blackbird vs Movac
      • How to Become an Angel Investor
      • How to Raise Money from Angel Investors
      • Alternatives to VC Funding
      • Hiring for a Startup
      • VCFO (Virtual CFO)
      • New Zealand Startup and Founder Incubators
      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
  • 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
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  • Banking & Savings
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  • Essential Money Tips
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  • Trade Services
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Negative Equity in New Zealand - The Definitive Guide

Our guide explains what negative equity is and, more importantly, what it means as a homeowner. We also walk through the top facts you need to know and the most frequently asked questions that New Zealanders have regarding negative equity.
Negative Equity NZ Explained
Updated 9 August 2023

Summary
  • With the Reserve Bank of New Zealand (RBNZ) raising the Official Cash Rate (OCR) at a blistering pace, many New Zealanders are anxious about how these rate rises will impact mortgage rates and whether they'll be able to service these higher mortgage payments.
  • In addition, with no end to rising interest rates, a concept that has not been relevant until recently has started to make New Zealanders nervous.
  • Negative equity is also known as having a property that is "underwater"; with property prices expected to continue dropping into the foreseeable future, more New Zealanders will end up with underwater properties.
  • This guide explains negative equity, the mechanics  behind it, implications of having negative equity on a property and how best to deal with having an underwater property.

Our guide covers:
  • What is Negative Equity and How does it Work? 
  • Which New Zealanders are Most at Risk of Negative Equity?
  • What are the Implications of Negative Equity?
  • Must-Know Facts
  • ​Frequently Asked Questions 

Negative Equity NZ Explained

What is Negative Equity and How Does it Work?

Negative equity happens when a mortgage's size exceeds the value (expected or actual) of a property. Negative equity situations occur most frequently when a buyer has paid significantly above the market value for a property, and property prices have subsequently dropped after buying the property.
​
For example, if you purchased a house in Christchurch for $600,000 with a 10% deposit, pay lenders mortgage insurance (LMI) on the mortgage and make interest-only mortgage payments, your mortgage might be around $555,000. However, if the cost of your property dropped by 10%, your current property would have an estimated value of $540,000 (90% of $600,000), which is less than the mortgage you borrowed when you first purchased the house. This scenario means you would theoretically be “underwater”, putting you into a negative equity situation.

Negative Equity

Which New Zealanders are Most at Risk of Negative Equity?

Not all homeowners will be at risk of entering a negative equity situation. Below are some of the buyers most at risk of negative equity:

Property buyers who purchased recently (in the last two to three years)

New Zealanders who bought a property close to the peak of the market in late 2021 are likely the first to be in a negative equity situation if their home values have dropped 20%, especially if they bought in areas that had the highest prices relative to income or rents (such as Auckland or Wellington).

First-home buyers with low liquidity or lacking additional assets/collateral to use

​First-home buyers (FHB) usually have less capital and income than older investors so the home will be a FHB's most significant asset. Generally, FHBs won't have many other high-value assets if something unexpected happens, and they need to use other assets (that weren't their first property) as collateral against the bank loan. 

Buyers in high price-to-income ratio / high price-to-rent ratio areas

​Buyers that purchased their properties in places with high property valuations relative to metrics like household income or rent (such as Auckland, Tauranga and Wellington) are generally at higher risk compared to areas with more reasonable household income or rent multiples. 

Property buyers with large mortgages/high LVRs (Loan to Value Ratios)

​Generally, the larger your mortgage relative to your deposit, the more likely you'll get into a negative equity situation if house prices fall. Because homeowners with the highest LVRs are more highly levered than those on lower LVRs, these homeowners will be more exposed and feel the effects of property price drops much more than other homeowners.  

Negative Equity NZ Explained

What are the Implications of Negative Equity? Will My Bank Force Me to Sell My Home?

​The natural question for those in negative equity situations is to ask what the New Zealand banks will do to homeowners in negative equity. Fortunately, the answer to the question in the short term is "not much". 

New Zealand banks are not incentivised to repossess or foreclose on homes.

  • Generally, banks are unlikely to foreclose on properties even if homes are in negative equity. The most important thing the banks will articulate to mortgage holders is to continue to meet their payments and ensure their earnings are stable. Banks only foreclose on a home when the mortgage-holder stops paying their mortgage (when they "walk away from the property"). Even then, banks will usually try to provide as many alternative financing arrangements as possible to prevent forced selling.
  • While negative equity is front of mind for many New Zealanders right now, from the bank's perspective, a very small percentage of the bank's customers will be "underwater". As a result, the banks will be less concerned about homeowners' current negative equity levels relative to their entire customer base.
  • Banks will stress test a customer's ability to meet increased mortgage payments (usually up to 7% or 8%) before they loan money to customers. With an increase in regulation in the last decade regarding financial stability, there are likely to be few borrowers currently paying mortgage rates higher than the rates the New Zealand banks have stress tested against when they issued the loan. Therefore, the banks are likely prepared for any increase in mortgage rates and subsequent price declines (which usually lead to increases in negative equity).
  • Banks usually take a longer-term view of the property market. For example, suppose they see the strong labour market and forecast that residential housing prices will stabilise and continue to rise. In that case, they won't be incentivised to act rashly and foreclose on housing.

Why banks won’t try to repossess your house as soon as you go into negative equity

Banks in New Zealand have no need or desire to do what offshore banks were forced to do during the Global Financial Crisis of 2008. During the Global Financial Crisis, unemployment began to skyrocket, and most housing debt could not be serviced, leading to forced selling (from people "walking away from their properties") and even larger drops in the housing market. This systemic level of risk forced banks to conduct mortgagee sales on properties with negative equity.
​
However, as of 2023, New Zealand has a few unique characteristics that mean banks are less stressed about the current housing market:
  • New Zealand banks have significantly higher capital reserves compared to what offshore banks had in the Global Financial Crisis of 2008
  • The unemployment rate is extremely low, sitting at around 3% to 4%, meaning many people (especially those with mortgages) have steady jobs and are likely to have high enough income levels to continue to repay their mortgages.
  • While the media likes to portray doom and gloom for more views and clicks on their articles, most New Zealanders aren't as highly mortgaged to the hilt as the media makes them out to be. LVR restrictions have prevented most people from going beyond 5X leverage (requiring 20% deposits).
  • In addition, most home buyers purchased their homes many years ago and have been paying down their mortgages while house price valuations have been increasing, leading to lower leverage levels across the board.

The key criteria for when the banks will start to get nervous about homeowners in negative equity:

Banks will start to get worried about negative equity if any of the above reasons why banks are comfortable with negative equity starts to shift. These characteristics can include the following:
  • Increasing rates of unemployment
  • Ballooning debt balances
  • Stark increases in interest rates, putting pressure on mortgage holders
  • Decreases in wage growth
  • Accelerated selling of homes, leading to larger price drops and amplified losses on a bank's balance sheet
  • Changes to a bank’s risk profile that forces them to reduce the amount of debt on their balance sheet (enforce mortgagee sales which can force other banks to follow suit)

Negative Equity NZ Explained

Must-Know Facts about Negative Equity

The more house prices drop, the more New Zealanders will enter negative equity situations.

With the downward pressure on house costs likely to continue for the next few years, the number of recent buyers across New Zealand who will be in a negative equity situation will likely increase. However, this isn't a cause for alarm (yet). As discussed above, as long as you continue to meet your mortgage payments, banks are unlikely to go through the mortgagee-forced sale process.

New Zealand property owners can be in a negative equity situation without even knowing it.

While negative equity is on many New Zealanders' minds now, a bank may not even inform mortgage holders that they are "underwater" as property valuations are done infrequently and are usually backwards-looking. 

You (and the banks) won't know on any particular day what your property is worth unless you get a comprehensive valuation. Whether you know if your home is underwater will depend on how often a valuation is done and whether a bank uses the Capital Value (CV), Quotable Value (QV) or market value (through third-party data sources) to identify the real value of your property on the open market. This lack of bank communication and inconsistent valuation methodology can mean that New Zealanders may be in negative equity situations for long periods without knowing it. 
​
Additionally, if you or your bank discover that your house is valued less than the mortgage debt owed, it may not mean that any short-term actions need to be taken. As long as you continue making your mortgage payments, banks will typically not pursue any actions. 

The psychological impact of being in a negative equity situation can be tough.

While it helps to know that a bank will not immediately force the sale of your house to pay off the mortgage debt you owe, that doesn't mean that New Zealanders aren't stress-free. A few of the below are common reasons why it can still be stressful to be in a negative equity situation:
  • Knowing that the house you live in is worth less than the debt you owe
  • Knowing you’re paying down your mortgage for a house that isn’t worth as much as the debt you’re paying down
  • Knowing that you’ll likely need to continue making mortgage payments for upwards of three decades
  • Knowing that if you lost your job, the bank could foreclose on you at any moment

​Know This:
Being in a negative equity situation isn't great for any New Zealand homeowners’ mindsets. Still, it can help to know that as you continue to make your mortgage payments, your risk of entering into a negative equity situation decreases as you reduce the size of your mortgage. If you're already in a negative equity situation, continuing to make your mortgage payments will also reduce the debt you owe, increasing your odds of getting out of a negative equity situation. Most of the time, if you're making your payments and have a steady income, the bank will not foreclose on your home, and you'll be able to ride out the uncertainty. 

Negative Equity NZ Explained

Frequently Asked Questions

What percentage of homeowners are in negative equity right now?

ANZ is the largest home loan lender in New Zealand, followed closely by ASB, Westpac and BNZ. However, it is difficult to establish the likely percentage of homeowners entering a negative equity situation as most banks don't include the relevant information in their annual reports.

Some organisations like Corelogic and the Real Estate Institute of New Zealand conduct analysis using valuation models to predict the likely amount of property owners that are currently underwater. Generally, these models are built off data that isn't publicly available or free.
​
However, given the decline in property prices has only materialised in the last year, the number of households currently in a negative equity situation is likely small relative to all homeowners.

Should I sell my property? Is it risky to hold onto the property in a falling market?

Generally, over long periods the housing market recovers any lost value. However, this doesn't mean that this value recovery will happen anytime soon. On a relative basis, the New Zealand housing market is one of the most highly valued property markets globally on a price-to-income or price-to-rent basis. This situation can mean that it may be decades before the New Zealand property markets recover to their peak 2021 levels.
​
There’s no right answer as to whether you should hold or sell your properties. Whether you choose to sell will be heavily influenced by several factors, including:
  • Whether you’re able to service your existing mortgage debt repayments
  • The opportunity cost of other investments at the moment (equities, bonds, term deposits)
  • Your risk appetite
  • Your short-term, medium-term and long-term goals
  • Your expectation of what will happen to property prices in the short/medium/long term
  • The stability of your job
  • Your unique financial situation

What are some situations where negative equity becomes an issue for New Zealanders?

Negative equity is only a problem for homeowners if they need to sell urgently. Here are a few instances where you may be required to sell your property:
  • If you get made redundant and can't make the mortgage payments (risking default on your mortgage)
  • If you get divorced, leading to a forced sale to split the assets
  • If you need liquidity/cash to pay off other short-term debts as enforced by a court or other entity
  • If you die (which will lead to your will getting executed, meaning your next of kin may be forced to sell the property)

What are the biggest risks for homeowners in negative equity situations?

One potential risk to remember is your ability to meet increased mortgage repayment amounts through higher interest rates. Over the last 12 - 18 months, interest rates have increased from a record low of <2% for one-year fixed rates to upwards of 7%+ on five-year fixed rates. This drastic increase in mortgage rates likely means homeowners must allocate substantially higher amounts of post-tax income towards mortgage repayments. However, homeowners should be able to offset those increased mortgage repayment costs by reducing their expenses (particularly their non-essential spending such as travel, upgrading cars or discretionary activities) or increasing income through side hustles.

For a comprehensive guide on side hustles, check out our guide guide here. 

What can I do if I might default on my mortgage?

If you’re worried that you won’t be able to meet your mortgage payments or are at risk of losing your job, there are a few things you should do first:
  1. Talk to your bank. They can work out an alternate financing or refinancing arrangement to prevent you from defaulting on your mortgage (and forcing them to repossess your home and sell it on the open market to recuperate the debt owed to them).
  2. Get help from a mortgage adviser.
  3. Pick up a side hustle. The more income streams you can generate, the more insulated you will be if you end up getting made redundant.
  4. Identify your "runway". In other words, if the worst scenario played out, how long could you continue to meet your mortgage payments using existing savings and investments or by leveraging support from friends or family before you defaulted on your mortgage? 

Why don't banks force mortgage holders/homeowners to sell their properties to recuperate the debt they're owed?

Banks would rather people keep paying their mortgages to profit off the debt's interest. Because banks keep mortgage debt on their balance sheet as assets, there's no incentive for New Zealand banks to foreclose on mortgage holders. If banks were to force New Zealanders in negative equity situations to sell their properties, they would not only miss out on the interest from continued mortgage payments but forced selling would also increase the supply of houses on the market, pushing house prices down further, leading to larger losses on a bank's balance sheet.
​
Additionally, the bank would be trying to sell the property on the open market when it might not be able to get the best price for the property in the mortgagee sale scenario. Banks typically take a longer-term time horizon and recognise that property prices can fluctuate heavily over the life of a loan.

Can I still borrow money from banks if I'm in a negative equity situation?

Owing more on a mortgage than you own in assets can make additional borrowing harder. If the bank you have your mortgage with realises that you're in a negative equity scenario, it's not likely they'll want to lend you any more credit, so you won't be able to borrow additional funds for other areas of your life (such as overdraft, additional credit cards, business loans or renovations).
​
In some circumstances, the bank may also reduce or limit your access to revolving credit facilities (such as credit cards or overdraft accounts) given an individual's high levels of debt relative to assets. But, generally, a bank won't want their customers with existing underwater mortgages (or close to being underwater) incurring more debt and adding additional risk to their books.

What happens if I have to sell my property when I’m in a negative equity situation?

While the optimal path for those in negative equity situations is to continue meeting their mortgage repayments, sometimes unexpected things happen out of your control and force you to sell your property. For example, you might get divorced, contract a life-threatening illness or get laid off.

If you're forced to sell your property when in a negative equity situation, the sale proceeds of the house will likely be less than the balance on the mortgage, meaning you'll be left with residual debt. The bank will usually convert this into a personal loan and it will be between you and the bank to negotiate the payback period and interest rate for this loan. Given the loan will likely be unsecured (e.g. there isn't a house the bank can use as collateral if you default on your payments), the interest rate they charge you for the personal loan will be higher than the mortgage rate.

However, it's important to note that New Zealand property markets operate slightly differently from offshore property markets like the United States, where it's common for homeowners to declare bankruptcy, hand over the keys to a property and walk away from any debt.
​
While bankruptcy is one course of action In New Zealand, banks will have every incentive to keep you paying off your mortgage debt. Banks (and the government) won't just let you get away unscathed. Banks generally have recourse processes and will pursue New Zealanders through legal means to repossess any unpaid debts.

I'm stuck in a negative equity situation paying off a debt that isn't worth the house's value. Furthermore, the property market will continue to drop, reducing my equity even further. Should I just cut my losses and walk away?

If you're in a negative equity situation, it can be incredibly challenging from a psychological perspective to continue paying your mortgage, knowing the value of your home is falling. While "cutting your losses" and selling the property (likely at a loss) can be mentally alleviating, it's not a decision you should make lightly. You'll likely need to make up the shortfall on the debt you owe to the bank, move out of the home if you're currently living in it and uproot yourself and your family (if applicable).

Generally, property markets will continue to appreciate over long periods. If you're in a steady income position and can continue paying the mortgage each month, this stability ensures that you don't put yourself in a worse financial position than you need to be in.

Making decisions around buying and selling property is likely the most significant financial decision you'll have to make in your lifetime. Therefore, it's recommended to talk to your bank or a mortgage broker before making any decisions. 

What are the main reasons that lead to negative equity situations?

There are many reasons why New Zealanders may end up in negative equity situations. However, the most common reasons are:

1. Buying at the top of the property cycle
  • If you purchased your property at the "top" of a market, generally defined as paying a high price-to-rent multiple relative to history, this can be one of the main reasons for getting into a negative equity situation. Market cycles have periods of growth and contraction.
  • Buying at the wrong time (at the top of the market) can mean that the inevitable pullback in prices results in a significant reduction in the value of the property in the short term.

2. Overpaying for the property
  • Separately from the wider housing market, if you pay a significant premium for the specific property relative to other similar-sized houses in the area, you'll increase your risk of entering into a negative equity situation.
  • Many property purchases (especially first home buyers) can be fueled by emotion rather than logic and rationality, especially in an auction setting where the last bidder is usually paying a significant premium compared to others in the room.
  • This behaviour can result in New Zealanders overpaying for properties. For example, suppose you pay too much for a property, and the property market falls. In that case, the property price may fall faster than the broader market, given the price has started at a significantly higher number than it likely should have.

3. High Loan-To-Value Ratio (LVR)
  • Generally, the more levered you are, the higher your risk of entering a negative equity situation. In a sense, the deposit you put up acts as a "buffer" against entering a negative equity situation. The more equity you have (through a larger deposit), the lower your LVR, and the more insulated you are to decline in the general property market.
  • However, purchasing properties with low LVR or all-cash isn't feasible for many New Zealanders. Generally, it's required to have at least 20% down (having an 80% LVR), but in some historical instances, or the context of first home buyers, you may have much smaller deposits (10% or 5% in some cases) meaning some properties will have 90% or 95% LVR.
  • The higher LVR you have, the more at risk you are of entering a negative equity situation if house prices fall.
  • ​For example, a borrower who purchases a property with a 95% LVR will have a much smaller buffer if property prices drop than someone with an 80% LVR.

Is there a kind of property more likely to be "underwater" (in a negative equity scenario)?

Generally, the higher a property is relative to the rest of the market, the more likely that property is to experience sharper price declines and put New Zealanders in negative equity situations. Some examples of this include:
  • New properties: Generally, these properties are priced at a premium and include developer fees and real estate agent commissions.
  • Developments/Units: Some developments or units located in niche areas or have specific property characteristics (such as small apartments) tend to entice investors looking for yield rather than owners looking to move in. As a result, these types of properties that have smaller groups of buyers can experience larger drops than generic houses that attract much more interest.
  • Properties purchased "off the plan": Those properties priced at the market's peak but are now at risk of either not being completed (due to construction financing costs rising or vacancies) run the risk of experiencing the largest price declines.
  • Townhouses/Terraced Houses: Less differentiated properties or additional restrictions (such as townhouses and terraced houses that have to join walls or are on the same plot of land) can be less desirable in a downturn, leading to larger price declines and increasing the risk of New Zealanders going into negative equity situations.

How can I decrease the financial impacts of negative equity?

If you can repay the mortgage, your property will likely increase in value over time. However, consider selling your property to cap further losses if you're under financial pressure. That said, property markets tend to rise over long periods, so if you're able to manage your repayment schedule and can keep the property until you can sell in a better market environment, you'll get a better outcome.
​
Other options that might also help remedy negative equity include:
  • Consider doing renovations: Renovations might make the property more desirable, increasing demand and improving the value you could get if you chose to sell. It's a good idea to speak with a developer/home improvement specialist or real estate agent to determine the extent of the work that could be done, the potential value it would add to the property and the key costs associated with the renovations.
  • Make additional loan repayments: By paying off more than the typical mortgage amount, New Zealanders are able to accelerate the rate of deleveraging and reduce their risk by shrinking their mortgages faster. This accelerated debt paydown can take many forms, including increasing the frequency of mortgage payments from monthly to fortnightly or increasing the amount of money you're attributing towards your mortgage each month. Increasing your loan payment amounts is ultimately putting you in a better financial position to weather declines in house prices.
  • Get in touch with your bank or mortgage broker: You can speak with your lender or mortgage broker to analyse if you can refinance your loan to get a more favourable interest rate or work out a more favourable payback schedule. This is specifically important for New Zealanders that may be going through financial hardship in the short term.

Can the bank call my loan and force me to sell my house?

While it will depend on the specific mortgage contract you enter into with your bank, the bank will usually only be able to call the loan and force you to sell your home if you've defaulted on your mortgage payments. If you continue to make your mortgage payments, you're unlikely to get a call from your bank forcing a sale of your house. For more information on mortgagee sales, check out the Banking Ombudsman's description here.

In specific mortgage contracts, there may be provisions to allow the bank to start a process whereby they can repossess the house if the home's value is less than the debt owed, but this isn't common in New Zealand mortgage contracts or a desirable outcome for most banks. 

I used to have a mortgage when I first purchased my house, but I've fully paid off my mortgage. So do I need to worry about negative equity?

If you don’t have a mortgage on a property, you don’t need to worry about negative equity. Negative equity situations only arise where the debt owed on a property exceeds the value of the house in question. Generally, this will only occur with buyers that hold high mortgage debt.

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      • Reviews
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        • Guides
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          • Other Coins
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  • Loans & Finance
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  • Insurance
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      • Reviews & Policy Comparisons
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    • Students Insurance
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      • Health Insurance
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        • BMI Calculator New Zealand
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  • Credit Cards
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      • Kiwibank Airpoints Cards Ending – Best Replacement Options
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    • Reviews
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        • Where is AMEX Accepted?
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        • American Express Platinum Card Review
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        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
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        • RewardPay Review
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    • Travel Money By Country
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  • Banking & Savings
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    • Savings
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    • Guides and Resources
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    • Reviews
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  • Mortgages
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      • What is the OCR?
    • Alternative Mortgage Options
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      • Lifetime Home Review
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      • Mortgage Overpayment Calculator
      • What To Do if You Bought a House at the Peak of the New Zealand Market
      • Tips for Seniors Renting or Paying Down a Mortgage
      • Remortgaging Guide
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      • Mortgage Break Fees
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      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
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      • Trusted Auckland Mortgage Brokers
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      • Trusted Mortgage Brokers in Wellington
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      • LifeDirect Mortgages Review
    • Buying a Home
      • First Home Buyers Checklist
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
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      • Buying an Apartment in New Zealand
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    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
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      • 20 Property Investment Risks You Can't Ignore
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • NZCB Review
      • Average Building Cost Per Square Metre
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      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
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      • Free $500+ Government Money for KiwiSaver
      • Is KiwiSaver Safe?
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      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
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      • What's My PIR?
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      • KiwiSaver First Home Grant Guide
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      • MAS KiwiSaver Scheme
        • MAS Review
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    • KiwiSaver Calculators
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  • Business
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    • Business Insurance
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    • PAYE & Taxes
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    • Business Calculators & Resources
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    • For Startups
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  • MSD
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    • Government Departments Helping New Zealanders Directly
    • Food Grants Guide
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  • Motoring
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      • Turners Cars Review
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      • Top Cars that Hold Their Value
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      • The Women's Guide to Buying a Car
    • Car Dealerships Explained
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      • Gaspy App Review
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      • AA Membership Review
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      • Buyer’s Guide for the 2023 Toyota Hilux
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    • Warrant of Fitness
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  • Law
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    • Agreeable Review
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    • Perpetual Guardian
  • Travel
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      • Moving to Australia
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    • Air New Zealand Specific
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    • Lounges, Upgrades, Car Hire & More
      • How to Get Access to Airport Lounges
      • Air New Zealand Skycouch Review
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      • 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
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    • Foreign Currency Exchange
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  • Travel Insurance
    • Compare Travel Insurance
    • AMEX Airpoints Platinum Travel Insurance Review
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      • Australia and the Pacifc
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      • Americas & Africa
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      • Europe
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    • Specific Risk Cover
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    • Travel Insurer Reviews
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    • Essential Information
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      • Health Insurance vs Travel Insurance
      • ACC vs Travel Insurance
      • Australia NZ Reciprocal Health Care Agreement
      • Travel Insurance Excess Explained
      • Claiming on Travel Insurance
      • How to Renew a New Zealand Passport
      • What is TAANZ?
      • Travel Packing List
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  • Mobile & SIM
    • Compare Mobile Plans
    • SIM Only Mobile Plans
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    • Apple Watch Buying Guide
    • Spark Mobile Review
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    • Mobile Data Roaming
    • Saily Review
    • Best iPhone Plans
    • Best Power Banks
  • Broadband
    • Compare Broadband Plans
    • No Contract Broadband
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    • Internet Speed Test
    • Broadband Provider Reviews
      • 2degrees Broadband Review
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      • NOW Broadband Review
      • One NZ Broadband Review
      • Orcon Broadband Review
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      • Skinny Review
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      • Starlink Review
      • Voyager Broadband Review
      • Wireless Nation Broadband Review
  • Power
    • Compare Power Companies
    • Power and Broadband Bundles
    • How to Lower Your Power Bills
    • Fixed Contracts vs Open Power Plans – What You Need to Know
    • Electric Vehicle Power Plans
    • How to Use Less Power
    • Power Companies
      • Contact Energy Review
      • Ecotricity Review
      • Electric Kiwi Review
      • Flick Electric Review
      • Genesis Energy Review
      • Globug Review
      • Mercury Review
      • Meridian Energy Review
      • Nova Energy Review
      • Powershop Review
      • Z Energy Power Review
  • Essential Money Tips
    • Must-Read Lists & Tips
      • 10 Things to Do Differently with Money in 2025
      • 10 Signs You’re in Financial Danger
      • 20 Indicators You're Doing Well Financially
      • 20 Things to Stop Buying to Have More Money
      • 20 Must-Know Money Lessons (Learned From Experience)
      • 20 Frugal Decisions That Often Backfire
      • 20 Money Habits that Keep You Poor
      • 20 Supermarket Ripoffs
      • 20 Ways to Save on Household Bills
      • 10 Hidden and Exorbitant Costs of Living in New Zealand
      • 10 Simple Financial Steps with Massive Future Payoffs
    • Money & Relationships
      • Bailing Out Your Partner Financially
      • Financial Red Flags in a Relationship
      • Don’t Let Supporting Your Adult Children Ruin Your Retirement
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
    • Money & Family
      • Teaching Kids About Money
      • Single Parenting and Money
      • Tips for Families on a Single Income
      • Financial Planning for Children With Disabilities
    • Valuable Insights
      • Why Am I Not Wealthy?
      • Can the Average New Zealander Become a Millionaire?
      • Money Habits Keeping You in the Rat Race
      • 15 Great Things New Zealanders Can be Optimistic About
      • How to Survive a Recession
      • How to Handle Rising Interest Rates
      • Stealth Wealth
      • Wealth vs Well-Being
      • Average NZ Salary by Age
      • Average and Median New Zealand Net Worth by Age 2024
      • Dental Costs
      • Charities in New Zealand
      • Trade Me Alternatives
    • Challenging Economic Conditions
      • Financial Support Resources
      • How to Protect Your Finances from Inflation
      • Impacts of Inflation in New Zealand
      • Layoffs, Redundancies and Restructures - Your Rights and Next Steps
      • Graduating Without a Job
      • Should I Stop Contributing to KiwiSaver?
  • Financial Independence
    • FIRE Guides
      • How Much Money Do You Need to Retire Comfortably in New Zealand
      • Retirement in a Nutshell
      • Retirement Money Drawdown
      • Financial Freedom by 50
      • How to Maximise Income in Retirement
      • How to Retire Early
      • FIRE Explained
      • The Four Percent Rule
      • Achieving Financial Independence, Faster
      • Five Types of FIRE Plans
      • Getting FIRE’d in New Zealand
      • FIRE and NZ Real Estate
    • FIRE Tools
      • Financial Coaches
      • Budgeting Apps
      • Free Financial Literacy Classes
      • Free Financial Products
      • 50/30/20 Budget Calculator
      • Budget Planner
      • SortMe Review
    • Repaying Debt
      • Debt Help
      • Debt Repayment Apps
      • CAP (Christians Against Poverty) Review
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