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

Our guide to reverse mortgages (also known as a home equity release) looks at the costs, benefits and disadvantages associated with such mortgages.
Reverse Mortgage Pros and Cons NZ
Updated 20 May 2025 
Summary of Reverse Mortgages
  • Reverse mortgages are also known as retirement equity release loans. They provide cash-up-front, with no repayment needed until you sell your home, move to a rest home or pass away.
  • It's a common problem: you retire and have a mortgage-free house, but the New Zealand superannuation and personal savings don't cover the purchases you want to make. Reverse mortgages are pitched to retirees as 'zero-risk loans' that offer 'a better retirement' and 'guarantee you can unlock equity in your home while not having to sell it'.
  • Applicants of reverse mortgages usually use the money for big cash items such as home repairs, a new car, an overseas trip to see family and/or debt consolidation.
  • On paper, reverse mortgages sound attractive, but they are expensive debt; get it wrong and you can be caught out severely. Annual interest charges, usually around 9% to 10% p.a, compound daily. It really is like taking out a big loan and not paying it back for years and years.
  • If you change your mind later on and want to repay the reverse mortgage loan, as long as the interest rate is floating, the fees for doing this should be minimal or zero. Heartland Bank, for example, only offers a floating rate for reverse mortgages, and there are no penalties for early repayment.  
  • How expensive are reverse mortgages? Generally, if you borrow $100,000 at age 65, you will owe around $445,000 by the time you are 80 (using an interest rate of 10% p.a.). If you reach 85 and then need to sell your home and go into care, you will owe around $734,000.
  • Trusted personal finance authority Mary Holm talks about the risks of Reverse Mortgages in a NZ Herald column published in May 2023 as is well worth reading.

Our guide to reverse mortgages outlines everything you need to know about this unique mortgage product. We cover:
  • ​Know How Much You Can Borrow
  • Advantages and Disadvantages of Reverse Mortgages
  • Reverse Mortgage Providers - Heartland Bank vs SBS Bank
  • 8 Must-Know Facts about Reverse Mortgages
  • Reverse Mortgage FAQs
  • Conclusion

Know This: Reverse mortgages are widely used, but are they the best option? Many retirees worry about compounding debt and the impact on home equity.
  • Our guide to Reverse Mortgages, brought to you by Lifetime Home, explains the full picture. Lifetime Home offers an alternative approach to equity release - one that avoids accumulating debt and gives retirees financial security without taking out a loan.
  • Unlike a reverse mortgage, Lifetime Home provides a steady income stream in exchange for a fixed percentage of your home's value, ensuring financial stability without the risk of compounding interest.
  • If you're considering accessing your home equity in retirement, comparing all options is crucial. Learn more in our in-depth Lifetime Home review or visit their website.
  • Important: MoneyHub presents Lifetime Home as an alternative to reverse mortgages and other retirement funding options, but this is not an endorsement or a recommendation. We encourage all readers to compare financial products carefully, seek independent advice, and fully understand the terms before making any decisions.
Lifetime Home Logo
Visit Lifetime Home

​Try the Lifetime Home Income Projection Tool
Do you want to see how much regular income your mortgage-free home could give you in retirement?
  • If you're 70 or older and own your home outright, Lifetime Home's calculator estimates how much you could receive every fortnight – on top of NZ Super – for up to 10 years.
  • Just enter your home's estimated value - for example, a $1,000,000 home could give you around $873 per fortnight, tax-free, for 10 years.

With NZ Super included (at 2025-2026 rates), the total comes up to:
  • Single person: $1,949 per fortnight
  • Couple: $2,529 per fortnight

This tool gives an instant projection and doesn't require your details. Try the Lifetime Home Income Projection Calculator

Reverse Mortgage Pros and Cons NZ

Know How Much You Can Borrow

For most lenders, the maximum you can borrow is 40% of your home's value. But lenders will limit the percentage based on your age - the older you are, the more equity you can borrow. This is because the chances of you passing away increase, so the risk for the bank of not being repaid from the sale of your house is lower. 

How is the 'value' of my home calculated?
When you apply for a reverse mortgage, a valuation fee is charged (usually $600+). This fee is paid to an independent valuer to assess how much your home is worth. If the valuer says it is valued at $500,000, then the bank will let you borrow a percentage of that based on your age.

How does my age affect how much I can borrow?
Heartland Bank states quite clearly that "your maximum loan entitlement can be estimated by multiplying the value of your home by a percentage (calculated as the age of the youngest borrower on your loan minus 45)".

For example: If you have a $500,000 home and the youngest borrower is 75 years old, then $500,000 X 30% = $150,000. 30% comes from 75-45 per Heartland Bank's calculation. 

The following table illustrates examples of this percentage at various ages based on this rule, although for other lenders it may vary slightly:
Age of Youngest Borrower
60
65
70
75
80
85
Maximum % of Home’s Value Available
15%
20%
25%
30%
35%
40%
As the table shows, the older you are, the more you can borrow as a percentage of the home's value. Keep in mind that the value of your home does not include its contents. Lenders will only loan based on the home value, which is made up of land and building only.

Reverse Mortgage Pros and Cons NZ

Advantages of Reverse Mortgages

Reverse mortgages have a number of benefits, which we outline in no particular order below:
  1. You will receive a cash sum which you can spend any way you like.
  2. The money you receive does not need to be repaid until your home is sold.
  3. If house prices are increasing, this reduces overall loss in equity. For example, if you draw down $50,000 at an 10% interest rate over 10 years, and house prices go up an average of 6% per year over the same 10 years, your net cost of the loan is 4%. 
  4. Depending on your age, you can draw down between 15% and 40% of your home's current value either all at once or in smaller sums as you need the money.
  5. Some lenders guarantee you will never go into negative equity, so even if the loan balance exceeds your home value, you or your estate cannot be chased for the difference.

Disadvantages of Reverse Mortgages

Reverse mortgages are not without their risks, costs and drawbacks, which we outline below:
  1. Reverse mortgages require you to stay in the home - if you want to rent it out and travel, sell it or need to move into care, you will need to sell your home and pay back the reverse mortgage loan owing.
  2. Lenders charge higher-than-mortgage interest rates on reverse mortgages - currently around 10% where mortgage rates are 6% to 8%. This makes the arrangement relatively 'high interest'.
  3. Because you don't usually make any repayments and interest compounds monthly, loans of $100,000 can blow out to around $733,000 in the space of 20 years (using an interest rate of 10% p.a.). The longer you have the loan, the more you or your estate will owe. This can have serious implications if you need to move out of your home later and pay for residential care.
  4. There are a range of fees charged, from upfront home valuation fees, application fees, drawdown fees and mortgage discharge fees - these together can easily top $2,500, and there are other fees that can be applied on top of these.  
  5. You need to follow the rules of the reverse mortgage contract - this means you have to keep up with home insurance payments, pay council rates and look after it in accordance with the lender's guidelines.
  6. Lenders are reluctant to offer reverse mortgages on some properties - examples are lifestyle blocks, farms, homes with a leaky building history, retirement villages and homes with troublesome monolithic plaster cladding systems.

Know This: Reverse mortgages are widely used, but are they the best option? Many retirees worry about compounding debt and the impact on home equity.
  • Our guide to Reverse Mortgages, brought to you by Lifetime Home, explains the full picture. Lifetime Home offers an alternative approach to equity release - one that avoids accumulating debt and gives retirees financial security without taking out a loan.
  • Unlike a reverse mortgage, Lifetime Home provides a steady income stream in exchange for a fixed percentage of your home's value, ensuring financial stability without the risk of compounding interest.
  • If you're considering accessing your home equity in retirement, comparing all options is crucial. Learn more in our in-depth Lifetime Home review or visit their website.
  • Important: MoneyHub presents Lifetime Home as an alternative to reverse mortgages and other retirement funding options, but this is not an endorsement or a recommendation. We encourage all readers to compare financial products carefully, seek independent advice, and fully understand the terms before making any decisions.
Lifetime Home Logo
Visit Lifetime Home

Reverse Mortgage Pros and Cons NZ

8 Must-Know Facts about Reverse Mortgages

Reverse mortgages are complex and should only be entered into with a full and complete understanding of your obligations as a borrower. We have outlined 8 key must-know facts below to help you navigate the mechanics and fine print.
MoneyHub New Zealand

The interest rate is high, it compounds monthly, and because you don't make repayments, the balance you owe will climb FAST

Reverse mortgages are not like standard residential mortgages. You are being advanced a sum of money, and the bank does not receive any repayment until you pass away or decide to sell your home. This can mean the bank can wait for 10, 20 or even 30+ years before being repaid. In this time, any money you have borrowed will incur interest. It's a higher interest rate than residential mortgages are offered, and it usually compounds monthly. Because you don't make any repayments, your debt can balloon. 

In the table below, we show how much debt a $100,000 loan (with a 10% p.a. interest rate) can create. Once you borrow, the clock starts ticking on the interest expenses. As an example:
  1. If you were 60 and made a $100,000 drawdown, the money is yours to spend.
  2. If you move to a rest home at 90 the lender will claim back just under two million dollars.
  3. The $100,000 drawdown leads to a significant claim on your property so the risks need to be properly understood. Such a debt severely affects your long-term retirement plans.
Age of Borrower
Amount Owed at 80 Years of Age
Amount Owed at 85 Years of Age
Amount Owed at 90 Years of Age
60
$732,807
$1,205,694
$1,983,739
65
$445,391
$732,807
$1,205,694
70
$270,704
$445,391
$732,807
75
$164,530
$270,704
$445,391
80
N/A
$164,530
$270,704
MoneyHub New Zealand

Be economical with what you borrow - i.e. if you only need $25,000, don't ask for $100,000

Because of the high (and compounding) interest rate, a reverse mortgage is expensive. For this reason, you should only draw down exactly what you need, and nothing else. For example, if you have a quote for $20,000 for home renovations, this is the amount you should draw down. Anything more than that is unnecessary and leads to excessive interest costs. You will probably pay a one-off fee per drawdown, but this will almost certainly be cheaper than leaving money in the bank that you don't need. If you apply to draw down $100,000 in total over the course of your retirement, taking it in portions as you need it is a very popular (and cost-effective method) to keep the borrowing costs under control.
MoneyHub New Zealand

Reverse mortgages by definition are a debt, and the debt has first dibs on your estate

As soon as you draw down on a reverse mortgage, you create a debt. And unlike debts that banks usually offer, reverse mortgages do not get repaid until you pass away or sell your home. To be clear - you are not repaying it monthly or weekly. Because of the interest rates and effect of compounding interest which charges you interest on the interest previously incurred, any inheritance you plan to leave will be reduced by the amount of the reverse mortgage debt owed. While your house may have gone up in value every year, it's unlikely to outpace a reverse mortgage interest rate. 

A typical example:
  1. Paul and Toni own a house worth $800,000 in Auckland. They borrow $100,000 at age 60 to spend on house renovations. 
  2. At age 85, they both pass away. Their home is now worth $1,500,000. 
  3. The reverse mortgage debt has grown to $1,205,694 (applying an interest rate of 10% p.a.), and it takes another four months to sell the house, bringing the total debt to $1,245,975 (as interest continues to be charged until the house sells). 
  4. The estate of Paul and Toni receive $254,025 from the proceeds of the house sale ($1,500,000 sale price, less $1,205,694 reverse mortgage debt). We have excluded real estate agent fees, which will also reduce the proceeds.
  5. The reason the estate and those inheriting only get half of the house proceeds is due to the high interest rate charged to the debt over 25 years, the fact the interest costs compound (so Paul and Toni pay interest on the interest costs) and the nature of reverse mortgages meaning there are never any repayments made until the very end.​
MoneyHub New Zealand

There ARE alternatives to reverse mortgages

A reverse mortgage is by no means the only option to get cash from your property; five popular alternatives might work for your needs:
  1. Downsize, and do it early. This frees up a lot of equity in your home, i.e. selling a four-bedroom for $800,000 and moving into a two-bedroom for $500,000 gives you $300,000 of available funds. And if you do plan to downsize, it makes sense to do it sooner rather than later. As you get older, it gets harder, and the likelihood you will do it decreases. While it may be overwhelming sorting out a lifetime of possessions as part of the process, invariably someone needs to do it. If you downsize early, you have more time to wait for the right offer for your existing home and house hunt for your next.
  2. Sell your home to your children. This gives you cash upfront or a steady income, and keeps your home in your family. Usually, this works by retirees receiving either the full value of the property upfront, or monthly payments which transfer more and more ownership as time goes on. Such arrangements need to be carefully planned with legal advice, as there have been cases throughout New Zealand where things have gone wrong, usually leaving the parents in a vulnerable position and often without a home.
  3. Consider a retirement home. Retirement homes are increasingly popular and offer a discounted property given the fact you never own the land. You will also pay a fixed ongoing weekly fee, have no repairs and maintenance costs, and you have the right to live there until you pass away or move out. But, retirement homes are not without their risks either, as our guide explains.  
  4. Consider renting out property within your home. Many homeowners don't want to move but are open to the idea of altering their home to create a self-contained flat which can be rented out. This has an upfront cost but does provide ongoing rental income (and the usual hassles of being a landlord). 
  5. Sub-divide any spare land your own: This is a possibility if you have a big section and would be comfortable with someone buying a portion of it and building a house. You will receive money upfront but also have the inconvenience of living beside a building site in the short term. It also drops the value of your property after the sale of the spare land.
  6. Lifetime Home: Lifetime Home is a structured alternative to a reverse mortgage that allows you to unlock the value of your property while retaining the right to live in it. Unlike a reverse mortgage, which accrues interest over time and reduces your estate’s value, Lifetime Home involves selling a share of your home’s future sale price in exchange for an upfront lump sum. This means you get access to cash without taking on debt or making repayments, and your remaining share of the home continues to appreciate if property values rise. Our review explains more.
Reverse Mortgage New Zealand
MoneyHub New Zealand

If you sign up for a reversed mortgage, make sure your contract includes FOUR essential terms and conditions

  1. Firstly, if you are a couple, it is essential for BOTH of your names to be on the mortgage contract. This means that if one of you passes away or moves into care, your home will continue to be in the possession of the other person. Otherwise, it will be sold by the bank, which would make one person homeless. 
  2. Secondly, make sure the mortgage contract allows for 'lifetime occupancy'. This means that the bank cannot sell it for any reason other than your death or your need to permanently move out. 
  3. Thirdly, make sure the contract prohibits 'negative equity'. This means if you borrow, for example, $100,000, and later on the amount owed is $300,000 but your home is only worth $250,000, the bank cannot force your estate to pay any more money other than the proceeds from the sale of the home. Without this clause, the bank will have a right to any bank accounts, investments, vehicles and all other property of value before any beneficiary, i.e. those in the will. 
  4. Lastly, make sure the contract has a 'loan repayment guarantee' which means you never have to make any repayments until either you pass away or sell your home. For example, once you draw down the money you need, you never have to pay it back while you live in your home.
MoneyHub New Zealand

Besides the interest rate, reverse mortgages come with a lot of fees

Your lender usually applies a lot of different fees before, during and after the reverse mortgage lifetime. In our example below, we've outlined the fees charged by Heartland Bank.

​Initial fees:
  • Valuation Fee of your home: $600 (where rating value is below $1m) or $855 (where the value is above $1m or your home is a 'lifestyle property'). This fee can be deducted from your initial drawdown. 
  • Initial Arrangement Fee: $920 (this is charged on the initial settlement date of your loan) and is deducted from your drawdown.

Ongoing fees for further drawdowns:
  • Further Advance Fee: $455 - this is charged on the settlement date of a further advance to your loan, and is deducted from the advance you make. 

End of mortgage fee:
  • Mortgage Discharge Fee: $270 - this is charged at the time your loan is fully repaid (i.e. from the proceeds of the sale of your home). This fee is added to the loan balance of your loan and will form part of the total repayment required.

Other fees that may apply depending on your circumstances - you can download the Heartland fee PDF here.
Please note that individual lender terms, conditions and fees vary - we have used Heartland Bank as an example given its dominant position in the New Zealand reverse mortgage market.
MoneyHub New Zealand

A reverse mortgage has a FLOATING (i.e. variable) interest rate, which may jump later on

Reverse mortgages do not offer fixed interest rates given the length of the borrowing. If the Reserve Bank increases its cash-rate and mortgage interest rates increase overall, so will your reverse mortgage interest rate. 9.50% could easily become 11% or even 12%, meaning a $100,000 loan borrowed over 20 years could cost a whopping $893,502 and $1,089,255 respectively. Even if you have a guarantee of 'no negative equity', if you do need to sell your home later on, you would need to settle a big debt first.
MoneyHub New Zealand

Reverse mortgages can be dangerous if your circumstances change later on

If you need to sell your home later on to buy a retirement home or rest home care, reverse mortgages can destroy the equity in your house. Our not-so-unusual example explains this best:
  • Rod and Barbara take out a $100,000 reverse mortgage at age 65, paying an average rate of interest of 10% per year, with a house valued at $500,000.
  • At age 80, they decide to sell their home and buy a retirement home for $350,000.
  • By this time, their house can sell for $650,000.
  • But, in the 15 years since they received the $100,000 reverse mortgage, the loan balance is now around $445,391, and this must be repaid to the bank when their house sells.
  • Once the bank is repaid, they are left with equity of around $200,000. Given the retirement home is $350,000, they have a $150,000 shortfall and will be unable to move.
 
This outlines the risk of taking a reverse mortgage - it limits your options later on should your circumstances change. If you need to sell your home to pay for rest home care, you may not have enough to last more than a couple of years.


Know This: Reverse mortgages are widely used, but are they the best option? Many retirees worry about compounding debt and the impact on home equity.
  • Our guide to Reverse Mortgages, brought to you by Lifetime Home, explains the full picture. Lifetime Home offers an alternative approach to equity release - one that avoids accumulating debt and gives retirees financial security without taking out a loan.
  • Unlike a reverse mortgage, Lifetime Home provides a steady income stream in exchange for a fixed percentage of your home's value, ensuring financial stability without the risk of compounding interest.
  • If you're considering accessing your home equity in retirement, comparing all options is crucial. Learn more in our in-depth Lifetime Home review or visit their website.
  • Important: MoneyHub presents Lifetime Home as an alternative to reverse mortgages and other retirement funding options, but this is not an endorsement or a recommendation. We encourage all readers to compare financial products carefully, seek independent advice, and fully understand the terms before making any decisions.
Lifetime Home Logo
Visit Lifetime Home

Reverse Mortgage Providers - Heartland Bank vs SBS Bank

Reverse Mortgage Providers - Heartland Bank vs SBS Bank

The market is rather small, and two providers dominate the market. Presently, Heartland Bank (through its Seniors Finance division) and SBS Bank (sold as a 'retirement loan') are the primary reverse mortgage lenders. Other lenders may offer reverse mortgages but we believe these will ultimately be issued by either Heartland Bank or SBS Bank.
Heartland Bank Reverse Mortgage NZ

Heartland Bank Reverse Mortgage

  • Product Name: Heartland Bank Reverse Mortgage
  • Borrowing Limits: Up to 15% of your home’s value at age 60, and up to a maximum of 40% by the age of 85 per this guidance.
  • Interest Rate: 8.89% p.a
SBS Bank Reverse Mortgage NZ

SBS Bank Reverse Mortgage

  • Product Name: SBS Unwind
  • Borrowing Limits: Up to 15% of your home’s value at age 60, up to 35% at age 80, up to a maximum of 50% per this guidance.
  • Interest Rate: 8.89% p.a

Reverse Mortgage Pros and Cons NZ

Reverse Mortgage Frequently Asked Questions

What banks and lenders offer reverse mortgages?

As explained above, only two providers dominate the market; Heartland Bank (through its Seniors Finance division) and SBS Bank (sold as a 'retirement loan') are the primary reverse mortgage lenders.

Are any types of homes excluded from reverse mortgages?

We confirmed directly with Heartland Bank that they consider all monolithic homes, and where the total land area is 5 ha or less.  Properties will also need to be valued at least $250,000.

Can I draw down a reverse mortgage weekly or monthly as a way to supplement income?

Yes. As an example, Heartland Bank offers monthly advances as part of its service. You can then advance an agreed amount sum of money every month for as long as you like.

Are all reverse mortgages the same?

No, but in our review we found very little difference by way of borrowing limits, interest rates and fees. If you decide to go ahead with a reverse mortgage, contacting ALL the lenders for their best offer is the ideal way to get the best deal.

How much interest do you pay on a reverse mortgage?

It varies by lender; generally it's between 9.00% and 9.50% per annum, but it's not unreasonable to see it move in 10% p.a. as the OCR continues to increase.

Does a reverse mortgage affect NZ superannuation payments?

No, whatever you draw down by way of a reverse mortgage is your money to spend as you like it. Your NZ superannuation will continue to be paid until you pass away.

Is a reverse mortgage a ripoff?

They can be - it really depends on the terms of the contract you sign. Media attention has made lenders less aggressive with fees, fine print and general terms and conditions.

Can you get a reverse mortgage if you owe money on your home?

Generally, no. You must be mortgage-free at or before your initial drawdown. In saying that, Heartland Bank confirmed that they do assist seniors who have small mortgages, and if there is a mortgage outstanding, it must be repaid when the reverse mortgage begins. This can be done by using part of the reverse mortgage available funds to clear the pre-existing mortgage.

Are there any safe reverse mortgages?

All reverse mortgages are 'safe' if they have a guarantee of no repayments during your time in the home, no repayments and a no negative equity guarantee. It is up to how much you draw down and how often you do it, which ultimately determines how 'safe' a reverse mortgage is. If you withdraw $100,000 on the day you retire but take 5 or 10 years to spend it, the interest costs will be significant. For this reason, savvy reverse mortgage customers draw down money from their lender only when they need it.

Are there application fees and termination fees on a reverse mortgage?

Yes - these vary but between lenders but can be as high as $400 to $500. The fee is added to the total loan balance and repaid by the house sale proceeds.

What is the best reverse mortgage?

It depends on the terms being offered. Generally, the most attractive deal is one with:
  1. The lowest interest rate
  2. The lowest fees
  3. The best terms, such as life occupancy, no repayments and no negative equity, among others.

Can you lose your house with a reverse mortgage?

No - provided you ensure that your contract includes the FOUR essential terms and conditions in point 5 above. As long as you continue to live in it, the lender cannot force the sale of your home, even if your debt exceeds the current value of the home.

What happens to a reverse mortgage when you die or move permanently into care?

When you pass away, your lender has the priority security over the house and will organise for it to be sold. The net proceeds will be paid to your estate and distributed to your beneficiaries in accordance with your will. 

If you move into care, you will need to arrange for the sale of your home. Again, the bank will be repaid their debt as a priority. The amount left is yours to keep and spend how you will. For example, if your home sells for $600,000 and the bank is owed $200,000, you will receive $400,000.

How much equity do you have to have to qualify for a reverse mortgage?

Generally, you will need 100% equity, i.e. you own your home outright, before you can draw down any money on a reverse mortgage.

Can I rent out a room if I have a reverse mortgage?

Yes - but you cannot rent out your entire property and live somewhere else, as this will invalidate the terms and conditions of your reverse mortgage agreement. Renting one or two bedrooms, for example, while you live in the property is usually permitted by the lender.

Can you get a reverse mortgage at age 55 or 60?

Generally, the earliest you can draw down on a reverse mortgage is when you or your partner are at least 60 years of age.

Is there an age limit on reverse mortgages?

Yes, generally it is 90 years old - if you're older than this, lenders rarely offer reverse mortgages.

Does a reverse mortgage pay a lump sum?

It can, or you can take gradual payments. Bear in mind that each drawdown you make may be charged a one-off processing fee.

Do you have to pay taxes on a reverse mortgage?

No - because you are being loaned the money, there is no income tax on whatever you draw down from your lender.

Can you make monthly payments on a reverse mortgage?

Yes -  some lenders allow you to make repayments on your loan at any time, as well as fully repaying your loan. Check to see if there are early repayment charges with your loan, which have been reported in the past by the media. You will need to repay the Mortgage Discharge Fee if you do repay your loan in full. 

Do you pay interest on a reverse mortgage?

Yes. Interest is calculated monthly and added on to your loan balance. The interest then compounds, meaning your loan balance increases faster because you don't make any repayments and interest is charged on the previous periods' interest. The usual interest rate for a reverse mortgage is around 10% p.a.

Reverse Mortgage New Zealand

Reverse Mortgages: Our Conclusion

  • We believe reverse mortgages should be a 'last option' given the long-term borrowing costs involved. We are also cautious about the various fees charged, which make this kind of financing very expensive. While retirement can be expensive (our retirement calculator gives you an idea), there are alternatives to reverse mortgages.
  • If your circumstances change later on, a reverse mortgage can destroy the equity in your house, leaving you in a poor financial position should you need to move home or go into care.
  • Be aware that the floating interest rate right now of around 9.50% has room to increase, meaning even if you borrow now,  you may see the interest rate change to 10%, 12% or even higher later on.
  • Right now, few lenders offer reverse mortgages - Heartland Bank and SBS Bank dominate the market. With such little choice, we believe the costs are higher than they should be. As mentioned above, alternatives to taking out a reverse mortgage do exist and should be explored fully. 
  • If you do proceed with a reverse mortgage, make sure the terms are in your favour (i.e. no negative equity, the property can't be sold by the bank in your lifetime, no repayments in your lifetime and having both partners named are all essential). 
  • It's best to talk to a mortgage broker and lawyer about reverse mortgages, as well as your family, given the risks involved. 

Know This: Reverse mortgages are widely used, but are they the best option? Many retirees worry about compounding debt and the impact on home equity.
  • Our guide to Reverse Mortgages, brought to you by Lifetime Home, explains the full picture. Lifetime Home offers an alternative approach to equity release - one that avoids accumulating debt and gives retirees financial security without taking out a loan.
  • Unlike a reverse mortgage, Lifetime Home provides a steady income stream in exchange for a fixed percentage of your home's value, ensuring financial stability without the risk of compounding interest.
  • If you're considering accessing your home equity in retirement, comparing all options is crucial. Learn more in our in-depth Lifetime Home review or visit their website.
  • Important: MoneyHub presents Lifetime Home as an alternative to reverse mortgages and other retirement funding options, but this is not an endorsement or a recommendation. We encourage all readers to compare financial products carefully, seek independent advice, and fully understand the terms before making any decisions.
Lifetime Home Logo
Visit Lifetime Home

Related Guides:
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  • How to Retire Early
  • Retirement Income Products and Funds
  • Lifetime Home Review

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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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    • Travel Money By Country
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  • Banking & Savings
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    • Savings
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  • Mortgages
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      • LifeDirect Mortgages Review
    • Buying a Home
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  • KiwiSaver
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        • MAS Review
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    • KiwiSaver Calculators
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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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      • Australia and the Pacifc
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    • Essential Information
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      • How to Renew a New Zealand Passport
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  • Mobile & SIM
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    • Best iPhone Plans
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  • Broadband
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    • Internet Speed Test
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  • Power
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