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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Retirement Villages

Retirement Village New Zealand
Updated 23 December 2019
Before we start off, we want to make one thing clear - retirement village units are not investments. You are NOT buying a house; instead you are buying into a lifestyle. And you will lose 20% to 30% of your purchase price when the unit is resold. You will also be forced to pay a weekly fee and live by a set of rules. Before making any decision, it's essential to triple-check everything to make sure you understand exactly what awaits. Residents all over New Zealand speak warmly of their retirement village life, but if you get it wrong it will almost certainly become a very costly mistake. 

New Zealand's Retirement Village Industry in 2019
  • New Zealand is seeing a boom in retirement properties springing up all over the country. What’s on offer ranges from pokey units on busy roads to luxurious resort-styled villas on leafy grounds.
  • The benefits of retirement villages are extensive, and all aim to offer a comfortable, hassle-free retirement where all household worries are taken away - in theory.
  • But there are many things to watch out for, and for the first time in New Zealand, MoneyHub has published a guide to retirement villages that looks at the pros, cons, must-know facts, FAQs, what to watch out for and checklists. 

As this is the first version of our this guide - if you have any tips or comments which would help our readers, please contact our research team. 

Know this: 
  • Making the decision to move into a retirement village can be complicated, and it's hard to know what to ask without knowing all the risks and drawbacks. Not knowing something until it's too late could create problems.
  • With most retirement units, you are not buying a freehold property, i.e. you won't own the land. This needs to be considered to ensure value for money, given land values in parts of New Zealand are at record highs. For example, you may say "$750,000 for a two bedroom unit in Auckland is not too bad" but in reality it's built on land you don't own, so the value is much less.   
  • Few people know or understand that the retirement unit you buy may go up in value, but what you or your estate will receive is between 20% and 30% LESS of the original price when it is later sold.
  • In addition to the upfront costs, there will also be ongoing costs every week for the use of the facilities, as well as other fees that can catch residents out.
  • To avoid unpleasant surprises, knowing what you are committing to in detail before selling up and moving in is the only way to ensure a comfortable experience.
Our guide covers:
  • Understanding the Upfront and Ongoing Costs of Living in a Retirement Village
  • Benefits of Retirement Villages
  • Retirement Village Drawbacks
  • 8 Must-Know Facts About Retirement Villages
  • FAQs - covering LTO, ORA, DMF and more
  • ​Retirement Village Checklists
  • Alternatives to Retirement Villages
What is a retirement village, and how is it different to a rest home?
Retirement villages are designed to offer independent living facilities, by way of a townhouse, villa or apartment. Some properties offer additional facilities, such as serviced apartments, care suites, rest homes, hospitals and dementia care units. The benefit of a continuum of care retirement village is that it will offer a range of facilities which can be used as needs increase. This provides far less disruption to residents who can transfer between facilities within the property as needed, either for the short term (i.e. when recovering from an illness) or long term (if the individual develops dementia or needs assisted living). 

Rest homes, often confused with retirement villages, are specific facilities where assisted living (meals, nursing care etc) is provided. The often have dementia and non-dementia wards and are far smaller in resident numbers. Unlike retirement villages, residents do not enjoy independent living. In most instances, residents pay a weekly fee to stay rather than buying into the rest home. 

Retirement Village New Zealand

Understanding the Upfront and Ongoing Costs of Living in a Retirement Village

Many media stories, such as this North & South feature, talk about the costs and fish hook terms and conditions that often given the impression of profits before people. Our list below outlines how retirement village companies make their money, and what you need to understand before signing up.
MoneyHub New Zealand

Upfront Purchase Price

In most cases, what you are buying is not the land or the building, but the right to live in the retirement village. It is similar to leasehold property, but the difference is that the lease (or right to live in the village) end upon death or if you are permanently transferred to another facility. So when you see a one bedroom unit selling for $500,000, what you are buying is the right to live there until you can't live there anymore. All you will pay after that is a weekly fee to cover ongoing costs (discussed in point 3. below).
MoneyHub New Zealand

Understand the Deferred Management Fee (DMF), also known as the 'facilities fee' and 'village contribution fee'

Unlike residential property, you or your estate will not receive the 'market price' for your retirement village unit when it is sold. With every unit purchased, there is a deferred management fee in the contract, which can be 20% to 30% of your original purchase price.

How does this work?
Quite simply, you pay the DMF fee when you permanently leave the unit. It is not a cash expense - it is deducted from when your unit sells. As an example, if you originally purchased a unit for $500,000, you will pay between $100,000 (20%) and $150,000 (30%) depending on the terms offered by the retirement village owner. What you receive back will be $350,000 or $400,000, and only when the unit sells.  

No flexibility in selling, and no capital appreciation gains
Many retirement village companies make it a condition that when it comes to resale, you must sell through their company. This is a requirement to protect the village from outside influence and third parties getting involved, and gives the company full control over its property. Because the retirement village company owns the land and buildings, they set the resale price. If your $500,000 unit sold for twice as much, you would only receive the original purchase price less fees. 

Money can be tied up

Retirement village companies ultimately control the resale market - if your village falls out of favour or your unit is less desirable than others available, reselling may take some time to transact. Many companies prohibit third-party real estate sales agents from handling the property for at least 12 months, meaning your investment can be tied up and you won't have any power to hurry along a sale.
MoneyHub New Zealand

Weekly Fee

The weekly fee covers utilities and services such as gardening, property maintenance, council, insurance and upkeep of the shared facilities, and varies from village to village. 

What happens after you leave the retirement village?
If you transfer to another property or die, your unit will go on the market. During this time, the retirement village company incurs costs as if you were living there. Some companies continue to charge the weekly fee until the unit is sold, but others do not. It's important to know what the situation is before signing up.
MoneyHub New Zealand

Capital Loss (if the unit is sold for less than you bought it for)

Some operators guarantee that you won't lose money if the price of the unit falls on resale. Others don't. In such cases, the agreed 20% to 30% deferred management fee charge shields owners from drops in the market price. Such information about resale values will be in the contract and need to be fully understood before proceeding.
Retirement Villages NZ

Ad-hoc fees for routine tasks

Retirement village operators offer a lot of services that are pay-as-you-need. For example, meal delivery to a unit, mail collection and changing a lightbulb usually attract fees billed to the unit holder. It's not unusual to pay $10 or $12 for mail to be collected, which can be frustrating unless you're aware of these costs before moving in.

We've been told by readers that some retirement villages don't permit local DHB support services from entering the property. Instead, the retirement village offers a range of similar services at fixed prices. This means that government-funded services for personal care and domestic assistance are not available to residents. Before deciding on a retirement village, it's important to ask about the policy of allowing outside assistance to enter the retirement village premises.

Retirement Village New Zealand

Benefits of Retirement Villages

It is no secret that retirement units rarely make good financial investments, but beyond the money they offer an unrivaled quality of life experience. Many residents claim they have never been happier in retirement villages, some have even reported in media stories that they regret not moving in sooner. In this section we outline the benefits of retirement village living.
Retirement Villages NZ

Safety Monitoring with Prompt Response Times

Units usually come with safety monitoring, for example panic buttons, which activate when there is a medical issue. Response times are prompt given staff members being on hand. This provides added 24/7 security with medical services who can swing into action instantly.
​
Retirement Villages NZ

Villages promote themselves on offering hassle-free living

The responsibilities of day to day repairs and maintenance are with the retirement village operator. So if something breaks down, such as the hot water system, it's a quick call to the onsite office to either get it fixed immediately. Residents never have to mow lawns, clear out spouting, paint walls or deal with trades people. Instead, assistance is convenient and prompt, with the weekly management fee covering the costs. Many residents report feeling safe, secure and looked after by their retirement village operator as a result.

Leaving for a holiday is also easy - residents can 'lock and leave' when it suits them. There's no mail to stop, water to turn off, garden to worry about - everything is taken care of by the village operator. 

Retirement Villages NZ

The instant social activity and a sense of community offers health benefits

There are many reasons to move into a retirement village. Some people do it as a couple, others do it alone after being widowed. Many retirement villages offer a range of facilities, such as a bowling green, swimming and spa pool, library, village centre, gym, bar, hair salon, movie theatre, pool table, so social interaction is available 'on tap'. 

By living in a retirement village, you're instantly part of a community of similarly aged people. With that comes social contact, interaction, companionship and physical and emotional security. Children of residents repeatedly claim that these factors greatly enhance their quality of life, as well as combine to extend the life of their parents. This is due to social interactions, physical activity and hobbies in general can contribute to making individuals happy and healthy.
​
Retirement Villages NZ

The units are cheaper than neighbouring freehold property

Because retirement village units are usually not freehold property, the prices will be cheaper than neighbouring freehold property. The benefit is that retirees can release considerable capital by selling their mortgage-free homes and moving to a retirement village of their choice. 
 
Retirement Villages NZ

Ongoing costs are fixed and efficiently managed, giving retirees peace of mind

Retirement village operators will take care of any cost related to your property, and because the units are all managed together, there is cost efficiencies for every expense incurred. Best of all, retirees won't need to worry about keeping money aside for fixing roofs, replacing windows and any other maintenance issue - huge expenses for anyone, let alone retirees. With everything handled by the retirement village operator, there's lower costs of every resident overall. The result means superannuation payments can be applied to only the ongoing maintenance fee and personal expenses, and nothing else significant in relation to the property.​
Retirement Villages NZ

Retirement villages can offer a range of living options which factor in the long-term

Depending on the size of retirement village you are looking at, there can be a range of living options. Examples include self-care units, assisted living units, hospital care and specialist wards. What works for you is a matter of personal preference, budget and location. But if you believe that living in an all-in-one village that covers the spectrum of aged-care facilities, shopping around is important to know what is and isn't offered. You may need to be prepared to move further from your existing home as well. The benefit is that the right option will reduce the chances of moving outside of the village should your needs increase later on. 
​
Retirement Villages NZ

Moving into a Retirement Village frees up money from your home

The general rule is to not spend more than 50% on your home value on a retirement unit, but in certain parts of New Zealand this can be problematic. Having a cash cushion will help towards day-to-day costs and long-term needs (such as assisted living or rest home care), in addition to superannuation payments.
​

Retirement Village New Zealand

Retirement Village Drawbacks

Retirement Villages NZ

20%-30% upfront fees as standard, with ALL capital gains given to the retirement village owner

The village operator will charge 20% to 30% by way of upfront fees, known as the deferred management fee. This means that if you buy a unit for $200,000 with a 30% upfront fee, the most you can receive later is $140,000 - $60,000 is paid to the operator. 
 
And in almost every retirement village contract, the operator is entitled to all the capital gains when the unit is resold. This means if you purchased a unit for $200,000 and twenty years later is sells for $800,000, you or your estate would only receive $200,000 less fees, or around $150,000. Retirees lose all the capital gain to the operators. 
Retirement Villages NZ

Rising weekly costs which eat away at fixed superannuation payments

There can be a lack of information around the weekly management fee. Some retirement villages offer fixed fees for life, but many don't. As most residents are on fixed incomes, there is a risk that the weekly fee eats into more the weekly superannuation payment time, leaving retirees with less spare cash. 
Retirement Villages NZ

Retirement village residents are not guaranteed automatic entry to onsite assisted living or rest-home care when their needs change

Many retirement villages offer on-site hospital rest-homes, and operators will claim that residents will be 'prioritised' for entry should their needs change. However, this is not a guarantee and it all depends on the waiting list. Further to that, if hospital care is needed, this is an extra service and can come with an additional day rate. 
​

Retirement Villages NZ

You can't change your mind without losing a LOT of money

In general, once you sign the contract, you will be forced to pay the 20% to 30% fee upon moving out. Some operators such as Ryman offer a 90-day change-of-mind clause, but after that you're fixed. If you don't like living there for whatever reason, it's very expensive to move out. For this reason alone it's essential to really do your homework on the property to make sure it meets your needs. Our checklist (LINK) offers more details about what to look for.
Retirement Villages NZ

Rules are strictly enforced, and may not suit your lifestyle

There are plenty of rules when it comes to retirement village living. Rules include:
  1. Pets - dogs are usually a no, cats often a yes, but policies vary between operator and village. 
  2. Guests - rules are in place for visitors, with maximum nights and approval needed. If you feel as if this is going to be a problem, knowing the guest policy before you go any further is really important. You also can't sublease if you go away, nor rent out a spare room. 
  3. Behaviour - residents can have their right to occupy their unit terminated for bad behaviour, effectively forcing the resident into homelessness.
  4. New love interests - if you find love in your village, you'll need approval from the operator to co-habit your unit.

Retirement Village New Zealand

8 Must-Know Facts About Retirement Villages

Retirement Villages NZ

Retirement Villages are BIG Business in New Zealand, and Growing

According to research from global commercial property firm JLL, the number of retirement village units jumped almost 30 per cent from 2011-2016. In 2017, 28,200 units were available throughout New Zealand, up from 21,815 five years earlier. Added to this is some 15,000 new units in development. Five of the major retirement village operators are listed companies on the New Zealand Stock Exchange. 

Data from JLL suggests the number of New Zealanders aged 75+ will swell 33% (around 100,000) between 2018 and 2023 to reach 400,000. All of this points to one thing - retirement living is here to stay, and demand for properties in all budget ranges will continue to grow.

Retirement Villages NZ

You don't OWN your unit, you only own the right to use it

Because of this, residents cannot sell the unit to someone else, nor can they sell the occupation rights without permission with the retirement village operator. The process is fairly standard across the industry - if a resident decides to leave, or dies, the operator advertises the unit for sale. Once sold, the vacating resident, or their estate, gets paid the amount they paid to get in, less the ~30% deferred management fee. 
​
Retirement Villages NZ

Your retirement village may grow in size and change in age demographic

The operator may have grand plans to extend the number of units, and if you're unlucky, you may find yourself living beside a construction site. You may also find marketing drives recruit residents that are older that you, which can change the dynamic of the village. It's essential to remember that the operator has full control of the future of their village - while there may be a residents' association, all the cards are held by the corporate body running the village. 
​
Retirement Villages NZ

If you move on, you or your estate won't get any money back until the unit is sold

This can take several months, as retirement village units traditionally are less liquid that residential property. This means that if you need the money to pay for rest home care or really anything else, you will need to be patient. During that time, the weekly management fee may be charged and deducted from the final payout. .

Retirement Villages NZ

There is legal protection, but it's still a case of 'buyer beware'

The Retirement Villages Act 2003 requires prospective residents to take independent legal advice to ensure they understand the financial implications of the contracts they are signing. Despite this, there are many finer details that are best seen before being signed. Our checklists (LINK) outline what to look for before making any commitment.
Retirement Villages NZ

Many well-known retirement village operators are large, profit-focused companies

Frequent stories appear in the media announcing big profits for retirement village companies. Companies like Ryman Healthcare, listed on the NZX, have seen its share price double over two years. Columnists like Diana Clement frequently challenge the financial implications of anyone signing up to live in a retirement village, and the power the big companies have. 

The reality is that New Zealand's retirement village options are largely controlled by the big providers, including Ryman, Metlifecare and Bupa. 

Around New Zealand, thousands of retirement village units are being built. Ryman Healthcare has recently built (or is building) new villages in Devonport, Lynfield, Henderson, Hobsonville, Hamilton, Birkenhead, Petone and Rangiora, Metlifecare has plans to develop extensively around Auckland - Botany, Albany, Orion Point, Hobsonville, and Beachlands are all recent announcements.
Retirement Villages NZ

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Retirement Villages NZ

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Retirement Village New Zealand

Retirement Village: Frequently Asked Questions

​How much will it cost me to live in a retirement village?

It depends on what you are buying; like residential property, there are many different options and grades. As you would expect, the higher the quality, the more you will pay. Also, the facilities on offer range between properties, and this will be factored in to the upfront price. Generally you can budget between $200,000 and $800,000 for a one or two-bedroom unit, depending on the location. Three bedroom villas in top Auckland suburbs can command as much as $1.5 million. In our survey, we (unsurprisingly) found Invercargill to offer the cheapest units, where as Auckland and Tauranga offered the most expensive, consistent with land value differences between the three cities.

How do I finance a retirement village unit?

Most people sell their existing home and purchase a retirement unit. Often, the cost of the unit is below what the house sale was, meaning retirees can 'free up capital' to spend in their golden years. It's important to know that you will need to purchase the retirement unit debt free; this is because you don't own the property outright, so you won't be able to get a mortgage. In some cases, the retirement village operator can help with finance but this is on a case by case basis.

How much is the weekly fee, how do I pay for it and will it increase?

It ranges, but according to data obtained from the Retirement Village Association (RVA), the average weekly fee across New Zealand stood at $121 in 2018. This covers maintenance and the costs of running recreational communal areas, as well as administration and support costs. But often this won't include power, phone, and internet, so it's important to check before signing up to make sure you're not caught out. 

Most residents pay their weekly fees from their New Zealand Superannuation, and data from the RVA suggested that while there has been of less than $2 per week between 2013-2017, if fees do go up it directly cuts into what is left over from the weekly superannuation payment.

What happens if I can no longer afford the ongoing fees?
  • The Retirement Villages Act gives you the right to consultation on anything that affects your occupancy or ability to pay. This means your financial situation must be discussed with you and follow a procedure - immediate eviction is not permitted.
  • In some cases, you can ask to negotiate to defer payments which will be deducted from the unit price when your move on from the retirement village. If this is not an option, you can apply for a government assistance - the Accommodation Supplement may be available if you pass income and assets means tests. 

How does a retirement village make money?

​Retirement village companies make their money in four ways:
  1. Charging upfront for the unit price, at market value (which will almost certainly always be more than the cost of building it).
  2. Charging a ‘deferred management fee' (DMF), the 20%-30% fee deducted from your original upfront purchase price
  3. Charging weekly ongoing maintenance fees to live in the retirement village.
  4. Receiving the capital gains on your unit once it is sold, i.e. if the market price increases, the retirement village company sells it for more and keeps the difference between what it receives and what you paid.
Retirement Village New Zealand

What is an Occupation Right Agreement (ORA) and how is it different from a Licence to Occupy (LTO)?

A LTO gives you the right to live in a unit and have access to the retirement village's facilities and services, but it does not give you ownership of the unit. The offer of these rights is made in an Occupation Right Agreement (ORA).  The ORA is your contract and it covers:
  • Upfront and ongoing payment obligations
  • The village manager’s duties
  • Procedures relating to meetings and consultation
  • Termination rights and the complaints and disputes resolution process.

The Retirement Villages Act 2003 sets out in very specific terms what must be included in the ORA, specifically:
  • What your costs will be on entering the village, on-going costs and how much you will be paid on leaving the village – this last amount will depend in part on how long you have lived there;
  • The terms of transfer in villages where the occupation right agreement allows you to transfer from an independent self-care residential unit to a unit offering a higher level of care.

Who can re-sell the unit once I move on?

This varies from village to village, but most commonly it is the village operator. The specifics will be outlined in the ORA. It's important to know that in most cases, the capital payment, less deductions (such as the deferred management fee), will not be repaid until the unit has sold.

Can I change my mind after I move in and get my money back?

Usually, no. Some operators may offer a 'peace of mind' option to back out after a certain number of days, but this is rare and does come with specific terms and conditions. This means making your decision is even more important as there is no turning back. So if you fall out with a neighbour, get allergies from the garden or find the facilities lacking, you'll need to find solutions to make things right.

I have a contract with my retirement village signed before the law changed - what can I do to protect my rights?

Contracts drawn up after 2008 have to be very precise about costs and fees, thanks to the Retirement Villages Code of Practice 2008. A retirement home rip-off story on Fair Go highlighted the risks involved. Anyone who moved into a retirement village before this should have their contract checked, with the help of a lawyer, as it’s possible that changes could be made to bring them more into line with current agreements. 

Retirement Village New Zealand

Retirement Village Checklists

The decision making process for deciding on a retirement village should not be rushed. To help you decide, we've linked to some well regarded and extensive checklists below:
  • Consumer Magazine's checklist addresses facilities and welfare
  • RVA New Zealand's checklist addresses the reasons why you want to move, and the retirement village's general operations
  • Sorted's checklists address lifestyle and financial considerations

Retirement Village New Zealand

Alternatives to Retirement Villages

A retirement village is not the only solution to assisted living, and there are many alternatives. Some of these include:
  1. Downsizing your home to a smaller, single-level property with no gradients.
  2. Modify your existing home with ramps and/or rails.
  3. Arrange assisted-living and/or visiting carers, depending on what your needs are. This can include cleaners, home-help, assisted support. It can be paid for by selling down investments, family support, government help and/or using equity release mortgages to make money available.
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          • Other Coins
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  • Loans & Finance
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  • Insurance
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  • Credit Cards
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    • Reviews
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        • Where is AMEX Accepted?
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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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    • Guides and Resources
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    • Reviews
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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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      • NZCB Review
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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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    • Car Dealerships Explained
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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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      • Queenstown Like a Local
    • Hotels & Dining
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    • Foreign Currency Exchange
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  • Travel Insurance
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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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    • Essential Information
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      • How to Renew a New Zealand Passport
      • What is TAANZ?
      • Travel Packing List
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  • Mobile & SIM
    • Compare Mobile Plans
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    • Apple Watch Buying Guide
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    • Best Power Banks
  • Broadband
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    • Internet Speed Test
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  • Power
    • Compare Power Companies
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    • Electric Vehicle Power Plans
    • How to Use Less Power
    • Power Companies
      • Contact Energy Review
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      • 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
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