MoneyHub NZ
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  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
          • Stake Black Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Invest Direct Review
        • InvestNow Review
        • Kernel Review
        • Interactive Brokers
        • Smart Review
        • Catalist Review
      • Comparisons
        • Sharesies vs Hatch vs Stake
        • Kernel vs Smart
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Invest Direct and more
        • Best Investment Apps
        • How Do I Start Investing?
        • Virtual Stocks and Shares Trading Games
      • Guides
        • How to Invest in Shares
        • Investing in Vanguard Funds from New Zealand
        • Investing in the US Stock Market from New Zealand
          • How To Buy Tesla Shares
          • How To Buy Apple Shares
          • How To Buy Amazon Shares
          • How To Buy Alphabet Shares
          • How To Buy Netflix Shares
          • How To Buy Microsoft Shares
          • How To Buy Meta Shares
        • US Extended Hours Trading Explained
        • What Happens If Your Investing Platform Shuts Down?
        • Fractional Shares
        • Transferring Share Portfolios
        • How to Read and Understand a Share Chart
        • NZX in a Nutshell
        • Investing in the ASX from New Zealand
        • Investing in Asian Markets from New Zealand
        • Understand Gross vs Net
        • How to Attend the 2026 Berkshire Hathaway Annual Shareholders Meeting
    • Introduction to Investing
      • Guides
        • Index Funds
        • ETFs (Exchange Traded Funds)
        • Cash Funds
        • Index Funds vs ETFs
        • 10 Ways to Invest in New Zealand
        • Compound Interest Explained
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • Investing in the S&P 500 from New Zealand
        • Best Retirement Income Products in New Zealand
        • Shares vs ETFs
        • Dollar Cost Averaging Guide
        • Margin Lending and Loans Explained
        • Borrowing to Invest in Property, Shares or Funds
        • Passive Income Strategies
        • How Wealthy New Zealanders Invest Their Money
        • The Best Way to Invest Inheritance or a Windfall
        • Barefoot Investor-Friendly Financial Products in New Zealand
        • Investment Terms Glossary
        • IPOs
        • Investing in Dividend Shares
        • Common Shareholder Numbers in New Zealand
        • Shorting a Stock
        • Investing vs Trading vs Gambling
        • Investment Strategies for the Time-Poor
        • Advanced Trading Concepts
        • New and Emerging Investment Opportunities and Trends
      • Young People and Investing
        • Investing for Kids
        • Investing For Grandchildren
        • 10 Top Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
        • Dosh Review
      • Investing Calculators
        • Term Deposit Calculator
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Investing Guide
        • Managed Funds
          • Pie Funds Management Review
          • Booster Private Land and Property Fund Review
          • AMP Managed Funds Review
        • Our Favourite Managed Funds
        • Advisers
          • Financial Advisers Overview
          • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
          • Financial Advisers Auckland
          • Financial Advisers Wellington
          • Financial Advisers Christchurch
        • Bank Credit Ratings
        • Tax on Investments and Savings
        • Capital Gains Tax
        • Bright-Line Test
        • Ethical Investing
        • Best ESG Funds
        • Asset Allocations to Build Wealth
        • Managing Offshore Investments for Returning New Zealanders and Migrants
        • How to Buy and Sell Bonds
        • Buying NZ Corporate Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowdfunding Guide
        • REITs Guide
        • Jasper Review
        • Investing & Personal Finance Podcasts
        • Emergency Funds
        • UK Pension Transfer to New Zealand
        • Returning to the UK from NZ
        • Spending Your Savings in Retirement
        • How to Take Income from Investments
        • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
        • Investment Scams
        • Investing in Recession-Proof Sectors and Asset Classes During a Downturn
        • Hedging Investments
        • Top Personal Finance Books for New Zealanders
        • Top Ten Personal Finance Resources
      • Reviews
        • Simplicity Investment Funds Review
        • Lending Crowd Review
        • Squirrel Review
        • Sharesight Review
        • Lifetime Retirement Income
        • New Zealand Financial Markets Authority (FMA)
      • Calculators
        • Managed Funds Fee Calculator
        • Basis Points Calculator
        • Inflation Calculator
        • Retirement Calculator New Zealand
    • Alternative Investments and Trading
      • Reviews
        • BlackBull Markets Review
        • CMC Markets Review
        • Plus500 Review
        • IG Review
        • TMGM Review
        • CMC Markets vs Plus500 vs IG Markets vs BlackBull Markets
      • Guides
        • How to Invest in Gold
        • How to Invest in Silver
        • Forex Trading Guide
          • Forex Trading Platforms Comparison
          • Forex Trading Tools
          • Forex Trading Courses and Education
          • Forex Regulation
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Copy Trading
      • Cryptocurrency
        • Reviews
          • Easy Crypto Review
          • Swyftx Review
          • Binance Review
          • Easy Crypto vs Swyftx
          • NZDD Review
          • Independent Reserve Review
          • eToro Review
          • Coinbase Review
          • Kiwi-Coin Bitcoin Exchange Review
          • Vault International Bitcoin Fund Review
        • Guides
          • How to Buy Bitcoin in New Zealand
          • Beginner's Guide to Bitcoin and Blockchain
          • Stablecoins
          • Guide to NFTs
          • Bitcoin Wallet Guide
          • Bitcoin Mining
          • How to Sell Bitcoin
          • Bitcoin and Crypto Scams
          • Initial Coin Offerings
          • A Beginner’s Guide to Investing in Cryptocurrencies
          • Decentralised Finance
          • Bitcoin in New Zealand
          • New Zealand Bitcoin Exchanges
          • How to Buy Ethereum in New Zealand
          • Other Coins
            • How to Buy Ripple in New Zealand
            • How to Buy Cardano in New Zealand
            • How to Buy Dogecoin in New Zealand
            • How to Buy Litecoin in New Zealand
            • How to Buy Polkadot in New Zealand
  • Loans & Finance
    • Car Finance
      • Car Finance Calculator
      • Electric Vehicle Loans
      • How to Refinance Your Car Loan
      • Car Loan Refinance Calculator
      • Car Dealership Finance vs Alternatives
      • Motorcycle and Moped Loans
      • Motorcycle and Moped Loan Calculator
      • Asset Finance
      • Asset Finance Repayment Calculator
      • Business Vehicle Loans
      • Bad Credit Car Loans
      • Car Loan Brokers vs Direct Car Finance
      • Car Loan Amortisation Calculator
      • Car Finance Company Reviews
        • Simplify Loans Review
        • Toyota Finance Review
        • Mazda Finance Review
        • MTF Finance Review
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • Lending People Review
        • Driva Car Loans Review
      • Car Finance Must-Knows Guides
        • Buying a Car Loan vs Personal Loan?
        • Car Loans and Collateral
        • Car Loan Guarantors
        • How to Save for a Car
        • Paying Cash for a Car vs Car Finance
        • Balloon Payments
        • Boat Financing Calculator
      • Car Finance Add-On Insurance Guides
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • Compare Mechanical Breakdown Insurance
        • PPI (Payment Protection Insurance)
    • Personal Loans
      • Debt Consolidation Loans
      • Secured Loans
      • Green Loans
      • Home Renovation Loans
      • Online Loans
      • Bad Credit Loans
      • Beneficiary Loans
      • Payday Loans
      • Cash Advance
      • Same Day Loans
      • Low Income Loans
      • Personal Loan Calculator
      • Debt Consolidation Calculator
      • The Dangers of Debt Consolidation
      • Refinance Personal Loan Calculator
      • Home Renovation Loan Calculator
      • Interest Calculator
      • Harmoney Loans Review
      • Nectar Review
      • Avanti Finance Review
      • Save My Bacon Review
    • Credit Scores & Interest Rates
      • Credit Scores and Credit Checks
      • How to Build Credit in New Zealand
      • How to Pay Down Debt Faster
      • Baycorp and Debt Collection
      • Interest Rates Guide
      • Interest Rate Comparison
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Compare Insurance
      • Compare Car Insurance
      • Car Insurance by Vehicle
        • Compare Toyota Aqua Insurance Costs
        • Compare Toyota Corolla Insurance Costs
        • Compare Toyota Hilux Insurance Costs
        • Compare Mazda2 and Demio Insurance Costs
        • Compare Ford Ranger Insurance Costs
        • Compare Nissan Navara Insurance Costs
        • Compare Subaru Legacy Insurance Costs
      • Reviews & Policy Comparisons
        • AMI vs AMP vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
        • Cove Car Insurance Review
        • Tower Car Insurance Review
        • Young Driver Car Insurance
        • Trade Me Car Insurance Review
        • Caravan Insurance
      • Car Insurance Guides
        • Third Party Car Insurance
        • How to Get Cheaper Car Insurance
        • Car Insurance Calculator
        • No Claims Bonuses Explained
        • Car Insurance Excess Explained
        • Cheapest Cars to Insure
        • Modifications that Make a Car Uninsurable
        • Car Insurers Directory
        • Car Insurance Glossary
        • Most Stolen Cars
    • Home, Contents and Other Insurance
      • House Insurance
      • House Insurance Calculator
      • 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
      • How Much Can I Borrow?
      • Debt to Income Ratios
      • Equity (and Leverage) Calculator
      • Mortgage Repayment Calculator
      • Mortgage Options
      • Mortgage Cashback
    • Other Mortgage Options
      • Interest-Only Mortgages Guide
      • Interest-Only Mortgage Calculator
      • Revolving Credit Mortgages
      • Offset Mortgages
      • Offset Mortgage Calculator
      • Fixed vs Floating Mortgage Rate Calculator
      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
      • Low-Deposit Home Loans
      • Rent to Own Homes
      • First Home Loan Guide
      • Reverse Mortgages
      • Lifetime Home Review
    • Mortgage Management
      • Saving for a House Deposit
      • Saving for a House Deposit as a Young Professional
      • Buying a Home with Family and Friends
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • What To Do if You Bought a House at the Peak of the New Zealand Market
      • Tips for Seniors Renting or Paying Down a Mortgage
      • Remortgaging Guide
      • Mortgage Relief and Holidays
      • Amortisation Calculator
      • Mortgage Break Fees
      • Defaulting on a Mortgage
      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
      • Mortgage Brokers Explained
      • Trusted Auckland Mortgage Brokers
      • Trusted Hamilton Mortgage Brokers
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers on the Kapiti Coast
      • Trusted Mortgage Brokers in Christchurch
      • LifeDirect Mortgages Review
    • Buying a Home
      • First Home Buyers Checklist
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
      • Buying an Apartment in New Zealand
      • Buying vs Renting a House
    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • Investment Property Mortgages
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Free $500+ Government Money for KiwiSaver
      • Our Favourite KiwiSaver Funds
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • How Aggressive Should KiwiSaver Be
      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Merging KiwiSaver and Australian Super Balances
      • Switching KiwiSaver Funds
      • KiwiSaver Robo and Digital Advice Tools
      • Ethical Kiwisaver Funds
      • KiwiSaver Private Equity Investments
    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
      • KiwiSaver Contributions - Gross or Net?
      • Employer KiwiSaver Contributions
      • Government KiwiSaver Contributions
      • KiwiSaver Savings Suspensions
      • Voluntary Contributions
      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
      • Average KiwiSaver Balance by Age
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
    • KiwiSaver Schemes
      • Amanah KiwiSaver Scheme
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • InvestNow KiwiSaver Scheme
      • Pie KiwiSaver Scheme Review
      • Kernel KiwiSaver Review
      • Kernel KiwiSaver Plan vs Superlife KiwiSaver Scheme
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • SBS Wealth KiwiSaver Scheme Review
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • GoalsGetter KiwiSaver Scheme
      • Pathfinder KiwiSaver Review
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
      • KiwiSaver Calculator
      • KiwiSaver Returns Calculator
  • Business
    • Compare Business Loans
      • Business Line of Credit
      • Business Borrowing Options
      • Small Business Loans
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Car Loan Repayment Calculator
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
      • Taxi (Business Funding) Review
    • Business Insurance
      • Public Liability Insurance
      • Professional Indemnity Insurance
      • Business Interruption Insurance
    • Wise Business Account Review
    • Business Credit Cards
    • Business Essentials
      • Money Saving Tips For Businesses
      • Get Debtors to Pay Overdue Invoices
      • Working Capital
      • Liquidations and Receiverships
      • Can't Make Payroll Guide
      • Buying out a Business Partner
      • Business Brokers
    • PAYE & Taxes
      • PAYE Calculator
      • PAYE Tax Rates 2025 & 2026
      • Minimum Wage
      • Tax Codes in New Zealand
    • Business Calculators & Resources
      • GST Calculator
      • GST Due Dates 2025
      • Business Loan Calculator
      • ROI Calculator
      • IRR Calculator
      • Internal Rate of Return
      • Percent Off Calculator
      • Profit Margin Calculator
      • Current Ratio Calculator
      • Quick Ratio Calculator
    • Online Services
      • Domain Names
      • Trusted Web Designers
        • Auckland Web Designers
        • Hamilton Web Designers
        • Wellington Web Designers
        • Christchurch Web Designers
        • Tauranga Web Designers
        • Lower Hutt Web Designers
        • Dunedin Web Designers
      • Digital Identity Programs and Online Verification Tools
      • Trusted Auckland SEO Companies
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
      • Retail Security Options and Costs
    • For Startups
      • How to Start a Business in New Zealand
      • Raising Capital
      • Product Market Fit
      • Crowdfunding vs Bank Financing
      • Blackbird vs Movac
      • How to Become an Angel Investor
      • How to Raise Money from Angel Investors
      • Alternatives to VC Funding
      • Hiring for a Startup
      • VCFO (Virtual CFO)
      • New Zealand Startup and Founder Incubators
      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
  • MSD
    • Navigating Work and Income Benefits
    • Jobseeker Support Benefit Rates 2025 and 2026
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • SuperGold Card Review
    • Disability Allowance
    • MyMSD
    • Community Services Card
    • Hardship Assistance - Urgent Costs and Living Expense Assistance
    • Loans for Unemployed
    • Working for Families Guide
    • Childcare Subsidies in New Zealand
    • Super Rates 2025 and 2026
    • NZ Superannuation in a Nutshell
    • Government Departments Helping New Zealanders Directly
    • Food Grants Guide
    • Food Banks Directory
      • Food Banks Auckland
      • Food Banks Northland
      • Food Banks Hamilton Waikato
      • Food Banks Wellington
      • Food Banks Christchurch
  • Motoring
    • Buying and Selling a Car
      • Car Valuations
      • Buying a Used Car
      • Selling a Car
      • Turners Cars Review
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
      • Car Registration in New Zealand
      • The Women's Guide to Buying a Car
    • Car Dealerships Explained
    • Everyday Driving
      • Costs of Owning a Car
      • 20 Ways to Make Driving Cheaper
      • Gaspy App Review
      • Parking Tickets
      • AA Membership Review
      • Best Car Batteries
      • Best Electric Cars
      • Buyer’s Guide for the 2023 Toyota Hilux
      • Buyer’s Guide for the 2023 Toyota RAV4
      • Buyer’s Guide for the 2023 Ford Ranger
    • Warrant of Fitness
      • Guide to Warrant of Fitness
      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
      • Warrant of Fitness Tauranga
      • Warrant of Fitness Lower Hutt
      • Warrant of Fitness Wellington
      • Warrant of Fitness Christchurch
      • Warrant of Fitness Dunedin
  • Law
    • Wills Guide
    • Separation Agreements
    • Prenuptial Agreements
    • Divorce Guide
    • Trusts Guide
    • Enduring Power of Attorney Guide
    • Living Wills Guide
    • Probate
    • Agreeable Review
    • Footprint Online Wills Review
    • Perpetual Guardian
  • Travel
    • Moving Overseas
      • Working Holiday Visas
      • Working Holiday Visas for 30+ Year-Old New Zealanders
      • Moving to Australia
      • Moving to London
    • Air New Zealand Specific
      • Air NZ Upgrade Guide
      • How to Redeem Air New Zealand Airpoints Dollars
      • Fastest Way To Earn Air NZ Status Points
      • Air New Zealand Koru Membership Review
      • Airpoints Flexipay Guide
      • Air New Zealand Travel Tips
      • Air New Zealand Refunds & Credits
    • Lounges, Upgrades, Car Hire & More
      • How to Get Access to Airport Lounges
      • Air New Zealand Skycouch Review
      • No Nonsense Upgrade Guide
      • Car Rental Hire
      • Auckland Airport Car Parking
    • Best of New Zealand
      • Auckland Travel for Less
      • 100+ Free Things to do in Auckland
      • Queenstown Like a Local
    • Hotels & Dining
      • Accor Plus Review
      • First Table Guide
      • Hotel Booking Sites Compared
    • Foreign Currency Exchange
      • Currency Converter
      • Australian Dollars Exchange Rate
      • American Dollars Exchange Rate
      • British Pound Exchange Rate
      • Canadian Dollars Exchange Rate
      • Euro Exchange Rate
      • Fijian Dollars Exchange Rate
      • Hong Kong Dollar Exchange Rate
      • Korean Won Exchange Rate
      • Indian Rupee Exchange Rate
      • Japanese Yen Exchange Rate
      • Malaysian Ringgit Exchange Rate
      • South African Rand Exchange Rate
      • Singapore Dollars Exchange Rate
      • Thai Baht Exchange Rate
      • Chinese Yuan Exchange Rate
  • Travel Insurance
    • Compare Travel Insurance
    • AMEX Airpoints Platinum Travel Insurance Review
    • Travel Insurance by Destination
      • Australia and the Pacifc
        • Australia Travel Insurance
        • Fiji Travel Insurance
        • Rarotonga Travel Insurance
      • Asia
        • Bali Travel Insurance
        • China Travel Insurance
        • India Travel Insurance
        • Japan Travel Insurance
        • Malaysia Travel Insurance
        • Singapore Travel Insurance
        • South Korea Travel Insurance
        • Thailand Travel Insurance
        • Vietnam Travel Insurance
      • Americas & Africa
        • Canada Travel Insurance
        • Peru Travel Insurance
        • South Africa Travel Insurance
        • USA Travel Insurance
      • Europe
        • France Travel Insurance
        • Greece Travel Insurance
        • Italy Travel Insurance
        • UK Travel Insurance
    • Specific Risk Cover
      • Do I Need Travel Insurance?
      • Pregnancy Travel Insurance
    • Travel Insurer Reviews
      • Southern Cross Travel Insurance Review
      • AMI Travel Insurance Review
      • State Travel Insurance Review
    • Essential Information
      • Basic vs Comprehensive Travel Insurance
      • Health Insurance vs Travel Insurance
      • ACC vs Travel Insurance
      • Australia NZ Reciprocal Health Care Agreement
      • Travel Insurance Excess Explained
      • Claiming on Travel Insurance
      • How to Renew a New Zealand Passport
      • What is TAANZ?
      • Travel Packing List
      • Travel Insurers Directory
      • Travel Insurance Glossary
  • Mobile & SIM
    • Compare Mobile Plans
    • SIM Only Mobile Plans
    • eSIM Plans
    • Apple Watch Buying Guide
    • Spark Mobile Review
    • 2degrees Mobile Review
    • One NZ Mobile Review
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  • Banking & Savings
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  • KiwiSaver
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  • Mobile & SIM
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  • Power
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  • Essential Money Tips
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    • Money & Relationships
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    • Valuable Insights
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  • Financial Independence
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  • Trade Services
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What is an Operating Lease? The Definitive New Zealand Guide

Our guide explains operating leases, their pros and cons, alternatives, tax treatments, and must-know facts and answers the most frequently asked questions concerning finance leases.
Operating Leases in New Zealand
Updated 9 August 2024
Summary:
  • One of the most common areas of uncertainty that New Zealand businesses have regarding capital expenditure and expansion is around leases.
  • In particular, operating and financing leases are used interchangeably but have different meanings and implications on purposes, tax treatment and ultimate cost.
  • This guide explains what operating leases are, how to take one out, their unique pros and cons and how operating leases differ from other types of leases.
  • Operating leases can be a useful financing option for companies that need to use an asset for a specific period but do not want to commit to a long-term purchase. However, it's important to consider the lease terms and total cost carefully to ensure it's the most cost-effective option.
​​
Our guide covers:
  • What is an Operating Lease?
  • Pros and Cons of Operating Leases
  • When Taking out an Operating Lease, What Technical Things Do I Need to Know?
  • Must-Know Facts about Operating Leases
  • Popular Operating Lease Companies in New Zealand
  • Frequently Asked Questions

Important: This guide provides general information only. For specific advice around a finance lease, please speak to an accountant to ensure that your decision is suitable and tax-effective for your business.
  • If you're looking for information about financing leases, please visit our detailed guide.
  • Our guide to business vehicle finance options compares options.
  • Do you want to understand the difference between a Financing Lease and an Operating Lease? Our dedicated comparison guide explains the differences.

What is an Operating Lease NZ?

What is an Operating Lease?

  • An operating lease is a rental agreement that allows a company to use an asset for a specific period, typically shorter than the asset's useful life.
  • Operating leases are commonly used for equipment, vehicles, and other assets that depreciate over time. In New Zealand, operating leases are regulated by the Financial Markets Conduct Act 2013 and the Consumer Guarantees Act 1993.
  • An operating lease is a contract between a lessor (the owner of the asset) and a lessee (the company using the asset). Under an operating lease, the lessor retains ownership of the asset, and the lessee pays the lessor a periodic fee to use the asset.
  • The lessee has the right to use the asset for the agreed-upon term but has no ownership rights. At the end of the lease term, the lessee is not required to purchase the asset and can return it to the lessor or enter into a new lease agreement.

What essential terms do I need to know when it comes to operating leases? And what to the terms mean?

​Almost all operating leases will include the following terms in the operating lease contracts:
  • Lease terms: The terms of an operating lease can vary widely, so it's important to carefully review the terms of any lease agreement before signing. Some important factors to consider include the length of the lease, the payment schedule, the condition of the asset at the end of the lease, and any termination restrictions.
  • Payment schedule: The payment schedule for an operating lease can also vary widely. Some leases may require fixed monthly payments, while others may have variable payments based on the use of the asset. It's important to carefully review the payment schedule and to ensure that it aligns with the company's cash flow and budget.
  • Lease documentation: It's important to carefully review all lease documentation before signing an operating lease. This review includes the lease agreement itself and any other documents that may be required, such as a security deposit agreement or a maintenance agreement. It's also a good idea to seek legal advice to ensure that the lease terms are fair and reasonable.
  • Maintenance and repairs: As mentioned earlier, the risk of damage or loss to the asset typically remains with the lessor in an operating lease. However, the lessee may still be responsible for any repairs or maintenance during the lease term. Therefore, it's important to carefully review the terms of the lease to understand the lessee's responsibilities in this regard.
  • Lease-end inspections: At the end of the lease term, the lessor may inspect the asset to determine its condition. If the asset is not in good condition, the lessee may be required to pay for necessary repairs or maintenance. Therefore, it's important to review the lease terms carefully to understand the lessee's responsibilities.
  • Depreciation: In an operating lease, the lessee does not own the asset and therefore does not benefit from depreciation. Depreciation is allocating the cost of an asset over its useful life, and it can provide a tax benefit to the asset owner. For this reason, operating leases may not offer the same tax benefits as purchasing an asset outright.
  • Termination clauses: Operating leases typically have specific terms and conditions regarding early termination. If the lessee needs to end the lease before the end of the lease term, they may be required to pay a termination fee or other penalty. Therefore, it's important to carefully review the lease terms to understand the process for terminating the lease and any potential costs.
  • Lease-end options: At the end of the lease term, the lessee may have several options. They may be able to return the asset to the lessor, enter a new lease agreement, or purchase the asset. Considering the best option for the lessee's needs and financial situation is important.

Is Your Business Looking for a Loan to Finance an Asset Purchase? Avoid high-interest rates and high fees. 

Choosing a lender that offers competitive rates, fair terms and wants to lend is essential. In our search for such lenders, one name that stands out is Prospa.

Prospa: A Practical Choice for Business Borrowers
Our research indicates that Prospa often offers lower interest rates and fees than many traditional lenders, helping businesses manage costs effectively. We have seen it become popular with many MoneyHub users who are business owners.

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Applying with Prospa is simple and takes just a few minutes. There's no commitment required when you apply, so you're free to consider your options without any pressure.

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We always suggest business owners compare different loan offers. Applying with Prospa is free, and by comparing, you increase your chances of finding a loan that suits your business's needs and budget.

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Operating Leases NZ Pros and Cons

Pros and Cons of Operating Leases

There are several benefits to using an operating lease:
  • Flexibility: Operating leases allow companies to use an asset for a specific period rather than committing to a long-term purchase. This flexibility can be helpful for companies that only need an asset temporarily or that want to keep their options open.
  • Lower upfront costs: Because the lessee does not own the asset, they aren't responsible for its upfront costs. This characteristic can make it easier for a company to acquire the needed asset without incurring large upfront expenses.
  • Conserve cash to use for other business activities: Operating leases allow companies to conserve their cash, as they don't have to pay the upfront costs of purchasing the asset. This option can be helpful for companies that need to conserve their cash for other purposes.
  • Easier budgeting: Operating leases have fixed payment terms, making it easier for companies to budget for their expenses.

There are also some potential drawbacks to using an operating lease:
  • Higher overall costs: Because the lessee does not own the asset, they may pay more over the lease term than they would have if they had purchased it outright.
  • Lack of ownership: As the lessee does not own the asset, they don't have the same level of control over it as they would if they owned it. This lack of control can be disadvantageous if the asset is critical to the company's operations.
  • Termination restrictions: Operating leases typically have specific terms and conditions regarding early termination. These specific terms can be disadvantageous if the company's circumstances change and they must end the lease early.

Operating Lease Technical Definitions NZ

When Taking out an Operating Lease, What Technical Things Do I Need to Know?

​Lease-end residual value: Some operating leases may include a lease-end residual value, which is an estimate of the value of the asset at the end of the lease term. This value can be used to determine the asset's purchase price if the lessee decides to purchase it at the end of the lease. Therefore, it's important to carefully review the lease-end residual value to ensure that it's reasonable and fair.

Lease accounting: Operating leases are classified as off-balance sheet financing, which means that the asset does not appear on the lessee's balance sheet as an asset or liability. However, specific accounting rules must be followed when recording operating leases. Therefore, it's important to understand these rules and follow them properly to avoid any errors or discrepancies in the financial statements.

Transfer of risk: In an operating lease, the risk of damage or loss to the asset typically remains with the lessor. This liability means that the lessor is responsible for any repairs or maintenance that are needed during the lease term. However, the lessee may still be responsible for any damage or loss caused by their actions or negligence.

Transfer of ownership: At the end of the lease term, the lessee may have the option to purchase the asset. Suppose the lessee decides to purchase the asset. In that case, it's important to consider the total cost of the purchase, including any fees or penalties, and to ensure that it's a financially beneficial decision. The lessee should also consider the potential tax implications of purchasing the asset, as well as any potential changes to the terms of the lease that may result from the transfer of ownership.

Service contracts: Some operating leases may include service contracts that cover the cost of repairs and maintenance. It's important to carefully review the terms of any service contracts to understand what is covered and what is not, and to ensure that the service contract aligns with the company's needs and budget.

Legal issues: Operating leases are governed by legal principles and involve complex legal issues. It's always a good idea to seek legal advice before entering into an operating lease to protect your interests.

Market conditions: The availability and terms of operating leases can vary depending on market conditions. It's important to consider factors such as interest rates and the supply and demand for leased assets when deciding whether to enter into an operating lease.

How do Operating Leases Differ from Other Types of Leases?

Operating leases differ from other types of leases, such as finance leases, in four key ways:
  1. Ownership: In an operating lease, the lessor retains ownership of the asset, while in a finance lease, the lessee acquires ownership of the asset at the end of the lease term.
  2. Duration: Operating leases are generally shorter in duration than finance leases, with terms ranging from a few months to several years. On the other hand, finance leases typically have longer terms, often extending the duration of the asset's useful life.
  3. Risk and reward: In an operating lease, the lessor bears most of the risk associated with the asset, including depreciation and maintenance costs. The lessee is only responsible for making the required lease payments and using the asset per the lease terms. In a finance lease, the lessee assumes a greater level of risk and is responsible for the asset's depreciation, maintenance, and other related costs.
  4. Accounting treatment: Operating leases are classified as off-balance sheet financing, meaning that the asset and associated liabilities do not appear on the lessee's balance sheet. On the other hand, finance leases are treated as on-balance sheet financing, with the asset and associated liabilities appearing on the lessee's balance sheet.

Important: This guide provides general information only. For specific advice around a finance lease, please speak to an accountant to ensure that your decision is suitable and tax-effective for your business.

Do you want to understand the difference between a Financing Lease and an Operating Lease? Our dedicated comparison guide explains what you need to know, alongside our Finance Leases guide.

Operating Leases NZ Must-Know Facts

Must-Know Facts about Operating Leases

Consider the financial implications of entering into an operating lease (particularly the total cost).

Operating leases can have significant financial implications for a business. Therefore, it's important to carefully consider the total cost of the lease, including any fees or penalties, and to compare lease options from different lessors to ensure that you are getting the best deal. It may also be helpful to seek the advice of a financial professional to determine the most financially beneficial option.
​
Consider the length of the lease and the payment schedule to ensure that they align with the company's needs and financial goals. While operating leases may have lower upfront costs, they can end up being more expensive in the long run. Therefore, it's important to consider the total cost of the lease, including any fees or penalties, to determine if it's the most cost-effective option. 

Compare lease options from different lessors to ensure you get the best deal.

​It's a good idea to compare lease options from different lessors to ensure you get the best deal. Many times, there will be multiple alternative asset owners that offer lease terms of varying length and rate. It’s best to compare and contrast different options available to ensure that you’re paying the lowest cost possible.

Consider the tax implications of taking out an operating lease.

​Different lease arrangements may have different tax implications. Therefore, it's important to consider how the lease will affect your tax situation to ensure that you make the most financially beneficial decision.

Carefully review the terms of the lease and seek legal advice if necessary.

​It's important to thoroughly understand the lease's terms, including the lease's length, the payment schedule, and any termination restrictions. It's always a good idea to seek legal advice before entering into any financial agreement, including an operating lease. A lawyer can help you understand the lease terms and ensure that your interests are protected.

Consider the trends in your business or industry to see whether operating leases are common.

​Different industries may have specific considerations when it comes to operating leases. Therefore, it's also important to consider industry trends when deciding whether to enter into an operating lease. For example, suppose a particular industry is experiencing rapid technological change. In that case, it may be more beneficial to lease rather than purchase assets to stay up to date with the latest technology. In another example, companies in the transportation or construction industries may have different needs and requirements when it comes to leasing equipment. So, again, it's important to consider industry-specific factors when deciding whether to enter an operating lease.

Establish a good working relationship with the lessor and communicate openly and transparently.

​Most of the time, if any issues arise related to the lease, it pays to be as open and honest with the lessor (owner of the asset). The more transparent you are with the asset owner, the more likely they are to be lenient when it comes to things like costs, renewal and any issues that arise. 

Operating Lease Companies NZ

Popular Operating Lease Companies in New Zealand

​It's important to note that most companies listed below offer to operating and financing lease options. Most of these companies do not disclose their interest rates and terms, as these will vary depending on the type of asset, the duration of the lease and the number of assets being leased.
Lease Plan - Operating Leases vs Financing Leases

LeasePlan

LeasePlan is a global leader in vehicle leasing with a strong presence in New Zealand. They offer operating leases for cars, trucks, and other vehicles, and their lease terms range from 12 to 60 months. LeasePlan's operating lease fees are competitive and transparent, and their operating lease interest rates are based on the asset being leased and the length of the lease term. LeasePlan is known for its wide range of leasing options and reliable customer service.

Website: LeasePlan

Fleet Partners - Operating Leases vs Financing Leases

FleetPartners

FleetPartners is a leading provider of operating leases for vehicles. They offer a range of operating lease terms to suit the needs of their clients, and their operating lease fees are competitive and transparent. FleetPartners is known for its wide range of vehicle leasing options and reliable customer service.

Website: FleetPartners

Lease Direct - Operating Leases vs Financing Leases

LeaseDirect

LeaseDirect offers operating leases for various assets, including cars, trucks, machinery, and equipment. They have a variety of operating lease terms available, ranging from 12 to 60 months, and their operating lease fees are competitive and transparent. In addition, LeaseDirect is known for its responsive customer service and easy-to-use online application process.

Website: LeaseDirect

Finance NZ - Operating Leases vs Financing Leases

Finance New Zealand

Finance New Zealand is a leading provider of equipment leases, focusing on providing leases for a wide range of assets, including machinery, equipment, and vehicles. Finance New Zealand is known for their wide range of leasing options and reliable customer service.

In addition to equipment leases, Finance New Zealand offers various other financial services, including business loans and vehicle finance. They pride themselves on providing personalised service and tailored financial solutions to help their clients achieve their business goals.

​Website: Finance New Zealand

Finance HQ - Operating Leases vs Financing Leases

Finance HQ

​Finance HQ is a leading asset finance provider focusing on financing a wide range of assets, including machinery, equipment, and vehicles. In addition to asset finance, Finance HQ offers various other financial services, including business loans, vehicle finance and equipment finance.

Website: Finance HQ

Is Your Business Looking for a Loan to Finance an Asset Purchase? Avoid high-interest rates and high fees. 

Choosing a lender that offers competitive rates, fair terms and wants to lend is essential. In our search for such lenders, one name that stands out is Prospa.

Prospa: A Practical Choice for Business Borrowers
Our research indicates that Prospa often offers lower interest rates and fees than many traditional lenders, helping businesses manage costs effectively. We have seen it become popular with many MoneyHub users who are business owners.

Straightforward Application Process
Applying with Prospa is simple and takes just a few minutes. There's no commitment required when you apply, so you're free to consider your options without any pressure.

Why Comparing Rates Matters
We always suggest business owners compare different loan offers. Applying with Prospa is free, and by comparing, you increase your chances of finding a loan that suits your business's needs and budget.

Long-Term Impact of Your Interest Rate
The interest rate on your loan will influence your repayments over time. Considering how this will affect your business finances in the long run is important.

Our Advertising Transparency
MoneyHub may receive a referral commission, but this does not influence our recommendations. Our priority is to provide reliable and unbiased information. Interest rates and assessment times can vary based on your circumstances.

Get Started
Visit Prospa to explore their offerings and see if they meet your business lending needs. Remember, making an informed choice will almost always make a big difference to your business's financial future.
Visit Prospa
Picture
Christopher Walsh
MoneyHub Founder

Prospa Business Loans NZ

Operating Leases NZ Frequently Asked Questions

Frequently Asked Questions

Which New Zealand businesses should take out operating leases?

​It depends. For some industries, it’s extremely common to use operating leases to conduct business (such as the construction or heavy machinery industries). For others, it may be more common to purchase the asset outright given the need to maintain control over the asset. For most New Zealand businesses, if an operating lease is an option, it pays to seriously consider taking one out rather than having to purchase the asset outright. 

How can I take out an operating lease?

​Generally, the first step in taking out an operating lease is to identify the asset you need for your business and contact the asset owner to try and work out an operating lease arrangement. Many asset owners will be familiar with operating leases so the process should be relatively straightforward in New Zealand. After you’ve signed the operating lease agreement, you’ll be able to take possession of the asset and start using it for your business.

Should I lease or purchase something? What factors should I consider?

When deciding whether to lease or purchase an asset, it's important to conduct a lease-or-buy analysis to determine the most financially beneficial option. This analysis should consider the total cost of each option, the length of time that the asset will be needed, and the tax implications. It may also be helpful to seek the advice of a financial professional to determine the best option.

When deciding whether to lease or purchase an asset, it’s important to consider:
  • The total cost of each option.
  • The length of time that the asset will be needed.
  • The tax implications of leasing versus purchasing outright.

Ultimately, it will heavily depend on the intended purpose of why you're acquiring the asset, the business case and the trade-off between full ownership and usability. It may also be helpful to seek the advice of a financial professional to determine the most financially beneficial option.

Is it possible to renew an operating lease? What renewal options are there?

​Some operating leases may include options for renewal at the end of the lease term. If the lessee is interested in continuing to use the asset, they may be able to enter into a new lease agreement or purchase the asset. It's important to carefully review the terms of any renewal options to ensure they favour the lessee.

What happens at the end of the lease period?

At the end of the lease term, the lessee may have several options. They may be able to return the asset to the lessor, enter into a new lease agreement, or purchase the asset. It’s important to carefully consider the best option for the lessee's needs and financial situation.

After using the asset for the period of the lease, am I able to purchase the asset outright at the end of the term?

​It depends. If the lessee decides to purchase the asset at the end of the lease term, they may be able to negotiate a purchase price lower than the asset's fair market value. Therefore, this option to purchase can benefit the lessee, allowing them to acquire the asset at a discounted price. However, it's important to carefully consider the total cost of the purchase, including any fees or penalties, to ensure that it's a financially beneficial decision.

Are there any other terms and definitions do I need to know when it comes to operating leases in New Zealand?

Yes - although less common, some of the below terminologies may arise when dealing with operating leases:

Rent-holidays: Some operating leases may include rent holidays, during which the lessee is not required to make lease payments. Rent-holidays can be useful for companies experiencing temporary financial difficulties or needing to conserve cash for other purposes. However, it's important to carefully review the terms of any rent holidays to ensure they favour the lessee.

Changes to the asset: In some cases, the lessor may need to change the asset during the lease term. This change could include things like repairs or upgrades. Again, it's important to understand who will be responsible for paying for these changes and ensure that the lease terms are clear.

Risk management: Operating leases can be useful for managing risk, as they allow a company to use an asset without committing to a long-term purchase. This optionality can be particularly beneficial for companies uncertain about their future needs or operating in a rapidly changing market.

Asset management: Operating leases can be a useful way for companies to manage their assets and ensure that they have the right equipment and resources to meet their needs. Companies can more easily upgrade or replace assets by leasing rather than purchasing assets.

Leasehold improvements: In some cases, the lessee may need to make improvements to the asset in order to use it effectively. These improvements, known as leasehold improvements, can include building modifications or equipment installations. It's important to carefully consider the cost of any leasehold improvements and determine who will be responsible for paying for them.

Lease modification: In some cases, the lessee may need to change the lease terms during the lease term. This adjustment could include changes to the payment schedule or the addition of new assets. Therefore, it's important to understand the process for modifying the lease and to ensure that any changes are documented in writing.

Relationship with the lessor: The relationship between the lessee and the lessor can be an important factor in the success of an operating lease. Establishing a good working relationship with the lessor and communicating openly and transparently to ensure the lease is successful for both parties.

Customer satisfaction: In some cases, the quality of the asset and the level of service the lessor provides may be important considerations for the lessee. It's important to carefully review the reputation and track record of the lessor to ensure that they are reliable and provide good service.

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  • Loans & Finance
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  • Credit Cards
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        • Qantas Credit Cards
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    • Travel Money By Country
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  • Banking & Savings
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    • Savings
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  • Mortgages
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    • Mortgage Brokers
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      • LifeDirect Mortgages Review
    • Buying a Home
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  • KiwiSaver
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  • Business
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    • For Startups
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  • MSD
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  • Motoring
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    • Warrant of Fitness
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  • Law
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  • Travel
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    • Air New Zealand Specific
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    • Best of New Zealand
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    • Foreign Currency Exchange
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  • Travel Insurance
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      • Americas & Africa
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    • Essential Information
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  • Mobile & SIM
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  • Broadband
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  • Power
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    • Power Companies
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  • Essential Money Tips
    • Must-Read Lists & Tips
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      • 10 Signs You’re in Financial Danger
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      • 20 Frugal Decisions That Often Backfire
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      • 20 Supermarket Ripoffs
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      • 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
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      • Single Parenting and Money
      • Tips for Families on a Single Income
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    • Valuable Insights
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      • Money Habits Keeping You in the Rat Race
      • 15 Great Things New Zealanders Can be Optimistic About
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      • Stealth Wealth
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      • Average NZ Salary by Age
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      • Dental Costs
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    • Challenging Economic Conditions
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      • How to Protect Your Finances from Inflation
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      • Layoffs, Redundancies and Restructures - Your Rights and Next Steps
      • Graduating Without a Job
      • Should I Stop Contributing to KiwiSaver?
  • Financial Independence
    • FIRE Guides
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      • How to Retire Early
      • FIRE Explained
      • The Four Percent Rule
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      • FIRE and NZ Real Estate
    • FIRE Tools
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      • SortMe Review
    • Repaying Debt
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    • Tax
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      • Salary Sacrifice in New Zealand
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  • Life Essentials
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      • Make Money Online
      • Paid Survey Websites Review
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        • Opinion World Review
        • Triaba New Zealand Review
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      • Free Samples
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    • Kids Eat Free
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      • HelloFresh Review
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      • Supermarket Christmas Clubs
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    • Entertainment
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    • Consumer Rights
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    • School Holiday Activities
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    • Shopping Resources
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