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
        • Cove Car Insurance - Real Customer Reviews & Facts
        • 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
      • Open a USD Bank Account from New Zealand
      • Depositor Compensation Scheme (DCS) Explained
    • 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
      • Attending the Singapore FinTech Festival
  • 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
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    • Reviews
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  • Banking & Savings
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  • KiwiSaver
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  • Travel Insurance
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  • Power
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  • Essential Money Tips
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    • Valuable Insights
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  • Financial Independence
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  • Life Essentials
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  • Trade Services
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    • Hamilton Trade Services
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Squirrel Peer to Peer Lending Review

Squirrel offers home loans, residential construction loans and personal loans for homeowners.
Squirrel Money review
Updated 6 April 2023

Summary
  • Squirrel is an Auckland-based company that offers home loans, residential construction loans and personal loans for homeowners. 
  • Squirrel Home Loans allow borrowing up to $2,000,000, secured by a first mortgage. Loans can be used to fund the purchase of owner-occupied or investment properties, with a maximum loan term of 7 years.  
  • Construction Loans allow borrowing up to $2,000,000, secured by first mortgage over New Zealand residential property. Loans can be used to fund residential housing construction (small-scale) or the purchase of development land, with a maximum loan term of 2 years.   
  • Personal Loans – Squirrel offers loans to fund renovations, partial deposits on a house, or purchase a tiny home etc, with terms ranging from 1 to 7 years. Specifically:
    • The Homeowners loan allows borrowing up to $20,000 unsecured, or up to $70,000 secured to fund home renovations or upgrades. 
    • The Tiny House loan allows borrowing up to $70,000 (no deposit required) or $100,000 (deposit required) to fund the purchase of a tiny home. Loans secured against the tiny home.
    • The Launchpad loan allows borrowing up to to $120,000 to top up house deposit to meet 20% of property loan-to-value ratio (LVR) – for high earners. Loans secured against the property. 
    • Up-to-date information relating to borrower interest rates and establishment fees can be found on Squirrel’s website and borrowers can make early repayments without penalty.

Lenders (aka Investors): 
There are two ways for retail lenders or investors to invest in Squirrel term investments.

1. Direct via Squirrel’s investment platform: 
Up-to-date information relating to investor rate of return can be found on Squirrel’s website. 

Squirrel On-Call Account: 
  • This is a fee-free high interest savings account with your money on-call.
  • Squirrel’s On-Call Account in many cases offers an interest rate higher than any other on-call account in New Zealand. Our discussions with the Squirrel team confirm transfers are fast; it takes about 2 hours for money to arrive into the Squirrel On-Call Account from your bank account, and about 2 hours back the other way. The money in the On-Call Account sits in a bank account with BNZ earning interest, which Squirrel passes onto investors.

Squirrel term Investments
  • Minimum investment is $100
  • Funds can be invested in home, construction and personal loans for New Zealand homeowners which are secured or unsecured, depending on the loan type, size and term. Where loans are secured, this is typically against New Zealand residential property. 
  • Squirrel's publishes arrears and default rates on its website for each investment class
  • Squirrel manages "Reserve Funds" associated with each term investment type. The Reserve Funds help to protect investor funds by topping up an investor's capital if a loan cannot be repaid. This is done at no charge to the investor. The Reserve Funds are not guaranteed, and Squirrel provides performance information on its website.
  • In early 2023, Squirrel introduced interest on its On-Call Account, the highest “no strings attached” interest rate of any savings account in the NZ market at the time. Un-invested cash in the Squirrel On-Call account is held on trust in a BNZ bank account. Interest is accrued daily and paid monthly into the On-Call account. The current Call-Account interest rate can be found on the Squirrel website. 
  • Investors can access their money at any time (at no cost) by selling their loans on the Squirrel secondary market, provided another investor is willing to take over the loan. Squirrel doesn’t guaranteed that you will be able to sell – there are stats on Squirrel’s website showing how long it takes to sell investments.
  • Squirrel charges a service margin on each loan, which varies based on the risk grade of the borrower and the loan type. The margin is charged to investors / lenders as a deduction from borrower repayments. (Note: The advertised interest rate for each Squirrel term investment is the rate of return that investors will receive, net of service margin and reserve fund deductions. Resident Withholding Tax is the only deduction made on investor returns.)
  • Interest and principal repayments from borrowers can be withdrawn or automatically reinvested in investors’ preferred term investment type. . 
  • Squirrel's loans are funded by everyday Kiwi, and fund managers.

2. Via the Squirrel Monthly Income Fund
Squirrel’s website publishes the latest return information.
  • Lenders can invest in the Squirrel Monthly Income Fund (SMIF) via Squirrel’s partners at InvestNow. The SMIF offers a “hands off” alternative for lenders looking to invest in Squirrel term investments, and is managed by Implemented Investment Services.
  • Funds are invested in the same term investments available via Squirrel’s own platform, but the distribution of funds is managed on your behalf. 
  • Returns are paid monthly and can be reinvested or withdrawn to your InvestNow account.
  • Minimum initial investment of $500, and $100 subsequently. 
  • There is a notice period of 30 days to get your money out of your investment, with no fees charged. 
  • There is a fund management fee charged to investors, of 1.70%p.a. including GST. 
  • You still have access to Squirrel’s "Reserve Funds" associated with each term investment type. The Reserve Funds help to protect investor funds by topping up an investor's capital if a loan cannot be repaid. This is done at no charge to the investor. 
  • PIE tax is applied to investor returns, which can be an after tax benefit for some investors depending on their Resident Withholding Tax rate. You can read more about PIE Term deposits here.
In this guide, we look at Squirrel for Borrowers and Squirrel for Lenders separately to best understand the pros and cons of the offers. Our guide covers:
  • Squirrel Background
  • Squirrel Review: Borrowers ($3,000 to $70,000)
  • Squirrel Review: Lenders
  1. Squirrel Investor Returns
  2. Squirrel Default Rates and the Loan Shield Scheme
  3. Squirrel Borrowing Volumes
  4. What if a borrower doesn’t repay a Squirrel loan?
  • Benefits of Squirrel
  • Squirrel Fees – How fees are charged to borrowers and lenders
  • 5 Squirrel Investor Must-Know Facts

Squirrel Loan Review New Zealand

Squirrel Background

Launched in 2015, Squirrel is the second-largest peer-to-peer lending (P2P) platform to launch in New Zealand. This complements Squirrel's mortgage advice business, one of the largest in NZ, which launched in 2008.

The platform allows retail investors (i.e. individuals) to lend money to New Zealand consumers seeking home loans, construction loans and personal loans for homeowners, via term investments. Loans may be secured or unsecured, depending on the loan term, type and value. 

In November 2021, Squirrel also launched the Squirrel Monthly Income Fund (SMIF), which offers funders a “hands-off” way to invest in its term investment products (more details are published on the Squirrel website).
​
Today, Squirrel has lent to thousands of borrowers all over Aotearoa via its platform. There are four points of difference between Squirrel and other peer-to-peer lenders:
  1. Squirrel only lends to New Zealand homeowners, or those in the process of becoming homeowners, reflecting their deep understanding of this market as one of NZ’s largest mortgage brokers. And with most of Squirrel’s secured loans backed by New Zealand residential mortgages, this provides added protection for investors. 
  2. Squirrel offers loan protection (its "Reserve Funds") to help protect investors’ funds. Squirrel's platform builds up Reserve Funds associated with each investment classes, via borrower interest payments. Squirrel is unique in offering this protection for investors should unpaid loans turn into bad debts. Squirrel can offer more accuracy in expected investor returns given the reduced chance of bad debts lowering an investor's capital.  
  3. ​Squirrel offers a secondary market for loans. Squirrel’s secondary market is a free service which allows investors on the Squirrel platform to sell their investments to other investors in order to access funds prior to the end of the investment term  (as long as another investor is willing to take over the loan). 
  4. There are no fees charged to lenders (“investors”) who invest direct on the Squirrel platform. The only deduction from Investor Returns is Resident Withholding Tax. 

Squirrel charges fees to borrowers and it acts merely as the middleman by way of providing a platform. This is standard practice for P2P platforms.

Squirrel Loan Review New Zealand

Squirrel Review: Borrowers

Squirrel has a standard application process, and only individuals who meet the following criteria can borrow from the platform:
  • Be at least 18 years old,
  • Be able to afford the loan you are applying for,
  • Have either a valid New Zealand Driver’s Licence or a valid New Zealand Passport to verify their identity,
  • Provide bank statements for the last three months
  • Pass credit checks with both Equifax and Centrix, to ensure you have no outstanding debts or credit card bills. 
  • You’ll need to list all income sources, your assets (e.g. house, investments, savings etc.), liabilities (e.g. credit cards, personal loans etc.) and your mortgage or rent expenses (separately from liabilities).

Assessments are made fairly quickly, and if your loan is approved you have 30 days to accept it. You will be assigned a credit grade which ultimately decides the interest rate on the loan. The better your credit grade, the lower the interest rate. Squirrel offers interest rate ranges for unsecured and secured loans:
  • Squirrel Home Loans allow borrowing up to $2,000,000, secured by a first mortgage. Loans can be used to fund the purchase of owner-occupied or investment properties, with a maximum loan term of 7 years.  
  • Construction Loans allow borrowing up to $2,000,000, secured by first mortgage over New Zealand residential property. Loans can be used to fund residential housing construction (small-scale) or the purchase of development land, with a maximum loan term of 2 years.   
  • Personal Loans – Squirrel offers loans to fund renovations, partial deposits on a house, or purchase a tiny home etc, with terms ranging from 1 to 7 years. Specifically:
    • The Homeowners loan allows borrowing up to $20,000 unsecured, or up to $70,000 secured to fund home renovations or upgrades. 
    • The Tiny House loan allows borrowing up to $70,000 (no deposit required) or $100,000 (deposit required) to fund the purchase of a tiny home. Loans secured against the tiny home.
    • The Launchpad loan allows borrowing up to to $120,000 to top up house deposit to meet 20% of property loan-to-value ratio (LVR) – for high earners. Loans secured against the property. 
    • Up-to-date information relating to borrower interest rates and establishment fees can be found on Squirrel’s website and borrowers can make early repayments without penalty.

Squirrel Borrowing Interest Rates

When a loan application is approved, it is assigned a “risk grade” with interest rates varying based on the borrower risk grade assigned. You can find up to date borrower interest rates on Squirrel’s website.

Squirrel: Borrowing Conclusion

  • Squirrel offers a no-obligation quote for a loan, and the process is easy to follow and done online. 
  • Any potential borrower can (usually) get a "yes" or "no" from Squirrel within 24 hours, and if it's a "yes" they'll get an interest rate specific to their application.
  • Borrowers can compare the Squirrel offer with that of others as it's valid for up to 30 days. 
  • Repayments work like any other debt, and there is a credit team to talk to if the borrower falls behind or needs to make a hardship application. You can find the fees charged in relation to loans on Squirrel's website.

Squirrel Loan Review New Zealand

Squirrel Review: Lenders

Investing with Squirrel ​is another alternative to putting money in a term deposit, corporate bond or an investment in the share-market – and has its own risk profile. 

The offer is simple - you lend your money directly to Kiwi homeowners looking to borrow, with investment terms ranging from 1 to 7 years, depending on the term investment type.

Squirrel offers three different term investment types or “classes” for lenders to invest in:

1. Home loan investment class: 
  • Investment term of up to 7 years, with the option to sell via Squirrel’s secondary market place 
  • Risk rating – 2 (1 = lower risk, 7 = higher risk)
  • Variable interest returns 

2. Construction loan investment class: 
  • Investment term of up to 2 years, with the option to sell via Squirrel’s secondary market place 
  • Risk rating – 3 (1 = lower risk, 7 = higher risk)
  • Variable interest returns – check the website for up to date interest rates

3. Personal loan investment class: 
  • Investment terms of between 1 – 7 years, with the option to sell via Squirrel’s secondary market. 
  • Risk rating – 5 (1 = lower risk, 7 = higher risk)
  • Fixed interest returns – check the website for up to date interest rates.

Important: The platform is not without its risks and rewards, which we discuss in detail below.

Squirrel Loan Review New Zealand

Squirrel Investor Returns

Squirrel Investor Returns
Squirrel advertises returns up to around 7.5% per annum via its platform, net of investor fees. 

Who is your money lent to?
Squirrel lends to only qualified and creditworthy borrowers. Specifically:
  • Borrowers must be over 18 years of age, have good credit history and the ability to service the loan and be a New Zealand resident.
  • Each loan is classified with a risk rating depending on the borrowers income, credit risk, and security.

Unlike other P2P platforms, investors are not presented with individual loan requests. Instead, Squirrel allocates loans automatically, with money placed with borrowers at a range of interest rates depending on the individual risk profile.

Squirrel Default Rates and the Loan Shield Scheme

As at 31st December 2022, the net default rate across Squirrel’s personal loan book was 1.10% once adjusted for funds recovered on those loans. There had been no Home Loan or Construction Loan defaults at this date.

Further relevant information:
  • The level of bad debt is less of a risk factor for investors thanks to the Reserve Funds Squirrel has established for each of its investment classes (something unique to the P2P market in New Zealand).
  • Of every interest payment made by Squirrel borrowers, an amount is deducted and sent to the Reserve Funds – and, to date, the Reserve Funds have protected every dollar of investors / lenders money.
  • While borrowers are credit risk graded depending on their risk profile, Squirrel actively invests in a range of loans over a range of dates on your behalf.

Squirrel p2p loan

Squirrel Borrowing Volumes

The amount a platform lends is important for two principal reasons:
  1. Credit Modelling: The more Squirrel lends, the more data it has to build its credit processes and report to investors. Having launched the platform in late 2015, Squirrel has now lent around $400m to borrowers (and growing). This supports further improvement in its credit risk assessment criteria and processes. 
  2. Higher investment opportunities: The more borrowers, the more funding opportunities for investors. The more the platform lends, the greater the probability of new lenders available to fulfil future loans and/or purchase existing loans on the secondary market.
​
Cumulatively, Squirrel has lent approximately $400 million since launching in 2015.

​Squirrel Loan Security

Squirrel’s home loans and constructions loans are all secured by first mortgages over residential property located in New Zealand. Squirrel’s personal loans for homeowners may either be unsecured or secured, depending on the loan value. Roughly 90% of Squirrel’s overall personal loan book is secured, usually against New Zealand residential property or other assets such as tiny homes.

The current average loan value across its different investment classes are as follows:
  • Home loans: approximately $800,000
  • Construction loans: approximately $900,000
  • Personal loans: approximately $50,000 for new loans

The principal risk is a large number of borrowers defaulting on their loan commitments, resulting from negative economic conditions and/or poor credit assessment by Squirrel.

Squirrel aims to help protect lenders in three principal ways:
  1. Credit assessment - Squirrel claims to have implemented appropriate systems and processes for determining the suitability of a borrower and his or her ability to afford loan repayments. With over 7 years of history now, that claim is increasingly verified.
  2. Security on loans - Security for secured loans generally ranges from first-mortgages over residential property for home and construction loans, to other assets such as motor vehicles for personal loans. 
  3. Reserve Fund - Squirrel has established a Reserve Fund for each of its investment classes, to help protect investors from credit losses.

Squirrel Money loans

​What if a borrower doesn’t repay a Squirrel loan?

  • In the event a borrower misses a payment, Squirrel charges a dishonour fee (to cover its own credit management expenses) and penalty interest whilst the loan is in arrears (which is ceded into the reserve fund). Squirrel contacts the borrower to ask for payment – in most cases the payment is promptly made. If not, Squirrel will continue to follow up with the borrower. If three repayments fail, Squirrel reserves the right to engage with its external debt collection agency to take over the collection of the loan.
  • The Reserve Fund associated with that investment class kicks in immediately on repayment default i.e. if an expected repayment is not received, the Reserve Fund steps in and pays the investor both principal and interest, provided there are sufficient funds available. Squirrel's collections team will get in touch with the borrower immediately to attempt to rectify the situation and when/if payments are caught up, the Reserve Fund is repaid.  
  • If the borrower has not arranged for regular repayments of the outstanding debt within 90 days, they are sent to an external debt collection agency. Following feedback from the external agency, the collections team will decide on the next course of action e.g. proceedings and/or write-off.    
  • All costs associated with the collection of the loan are paid by Squirrel or the borrower and not the investor / lender. This includes debt collection, legal fees and debtor management. 
  • Because of Squirrel’s Reserve Funds, investors will not be notified if a borrower’s loan goes into arrears and/or is written-off. This is because the Fund is used to pay back the investors, as scheduled.
  • Squirrel will only notify investors if the Reserve Fund does not have sufficient reserves available to repay defaulted loans. 
  • In such circumstances, all investors would, in the first instance, receive a haircut on their interest repayments until the reserve fund is replenished.
  • Only in the case that the Reserve Fund cannot be replenished using future interest repayments alone would investor principal be at risk.
  • Currently Squirrel is putting aside roughly 50% above the expected bad debt rate to reduce the likelihood of such an occurrence. You can see the amount they are reserving and compare it to the credit risk in each asset class on Squirrel’s website – we believe they are transparent with their information and work to inform investors.

Withdrawing Squirrel Funds

Direct investors (i.e. lenders) have the flexibility to get early access to their invested funds using Squirrel’s secondary market. There are no fees for investors wanting to list their investments for sale on the platform. Squirrel displays data on its website about how long it takes to sell an investment.

Squirrel does not guarantee that there will be other investors willing to buy your investment, and you may need to hold your investment to term.

Investors in the Squirrel Monthly Income Fund, via InvestNow, are required to give 30 days’ notice in order to withdraw funds, and there are no fees associated with doing so.

Squirrel: Lending Conclusion

  • Squirrel offers a unique opportunity for New Zealanders looking for diversity investments.
  • Squirrel offers a number of benefits such as loan protection, secondary market investment redemption and passive investment via the Monthly Income Fund.
  • Returns on investment are likely to range between 4.50% and 8.00% over the interest rate cycle. You can see up to date investment interest rates on Squirrel's website.  
  • There are no fees for investors / lenders on the Squirrel platform at the published rates of return. There is a platform management fee of 1.70% incl. GST for investors in the Squirrel Monthly Income Fund, however that also includes Squirrel’s margin, so there is not too much difference on a like for like basis.

Squirrel Money investing review

Squirrel Fees – How Fees are Charged to Borrowers and Lenders

Squirrel is a platform and it earns fees from borrowers and earns a margin. None of the fees collected are paid to lenders.

Borrower fees 
  • Fees which may be charged to borrowers include establishment fees, default fees, dishonour fees, default interest rates, progress payment fees. 
  • You can find a full list of borrower fees on the Squirrel website.

Investor / lender fees

1. Service margins: 
A service margin is charged to investors / lenders as a deduction from borrower repayments. The applicable service margin depends on the risk grade of the borrower – lower-risk loans carry a lower service margin. 

Please note: The advertised interest rate for each Squirrel term investment is the rate of return that investors will receive, net of service margin and reserve fund deductions.


Current Squirrel service margins:
  • Personal loans: 1.45% - 5.95% p.a. of the loan balance deducted from the gross loan repayment
  • Home loans & Construction loans: 0.70% - 2.75% p.a. of the loan balance deducted from the gross loan repayment

Annual fund charges: 
  • Squirrel P2P term investments (via the Squirrel platform): nil (margin and reserve levy is already deducted from the published returns)
  • Squirrel Monthly Income Fund (via InvestNow): 1.70% p.a. incl. GST (this includes Squirrels margin and the fees associated with running the Fund)

Squirrel Money Loan Review New Zealand

Squirrel Investor Must-Know Facts

Squirrel Money NZ

Your money can be withdrawn early

Squirrel's loan terms are typically 1 to 7 years in length, but if you want to access your money early, you can do so.

For those investing directly via the Squirrel platform: 
  • You can list your investment for sale on Squirrel’s secondary market place. 
  • This is a free service. 
  • Being able to sell and get your investment out requires that there is another investor willing to take over your investment. Squirrel doesn’t guarantee that your investment will sell, or how long it will take, but to date, all loans entering the secondary market have been picked up by other investors. 
  • You can read up on the how Squirrel’s secondary market operates here. 

For those investing into Squirrel’s Monthly Income Fund via InvestNow.
  • You are required to give 30 days’ notice in order to access invested funds, and may do so free of charge.
Squirrel Money NZ

Squirrel’s Reserve Funds help reduce the impact of losses

  • Squirrel has Reserve Funds associated with each of its investment classes, which makes provisions for the non-payment of loans at a rate higher than the expected credit losses.
  • The reserve levy is part of the interest rate borrowers pay.
  • The size of Squirrel’s Reserve Funds for each investment class can be found on Squirrel’s website. Other relevant ratios are also published.
  • Squirrel actively manages its loan book and can increase the reserve funds by apportioning interest received should the Reserve Fund balance be expected to fall to $0. 
  • The company's management discussed the loan book with Moneyhub when writing this review and anticipates the likelihood of bad debts exceeding the Reserve Funds, whilst not impossible, to be low. 
  • If credit events in the New Zealand and/or global economy cause the Reserve Funds to be fully depleted, Squirrel's policy in such a situation is to reduce interest payments to investors and divert the money to the Reserve Funds to replenish the reserve fund.​
Squirrel Money NZ

Repayments can be automatically withdrawn or re-invested

As loan repayments are made monthly by borrowers, a typical lender will usually see a positive balance in their account.
This can be automatically transferred to your bank account, or re-invested into your preferred term investment type when the On-Call account balance reaches at least $100. 

The same is true for investors via InvestNow, who may choose to have their monthly payments reinvested or withdrawn to their nominated bank account.

Squirrel Money NZ

Squirreldoesn't share ANY borrower information

The investor doesn’t see any details about the loan(s) they are investing in.  The investor simply selects their preferred investment type and term. As the Reserve Funds functions to absorb arrears/defaults, an investor is effectively investing in the loan book rather than an individual borrower as such.
Squirrel Money NZ

Individuals, Trusts and Companies can all investment in Squirrel

There are no exclusions, and the platform is the same regardless of the investor profile although investor registration steps differ slightly between individuals and companies or trusts.

Are you a Squirrel investor or borrower, and have something you'd like to share with us? We'd love to hear from you - contact our team with your experiences. 

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        • Investment Scams
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        • Top Personal Finance Books for New Zealanders
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      • Reviews
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    • Alternative Investments and Trading
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      • Guides
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        • Guides
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          • Other Coins
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  • Loans & Finance
    • Car Finance
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  • Insurance
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      • Reviews & Policy Comparisons
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    • Students Insurance
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      • Health Insurance
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  • Credit Cards
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    • Balance Transfer Credit Cards
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    • Reviews
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        • Where is AMEX Accepted?
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        • American Express Platinum Card Review
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        • Qantas Credit Cards
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        • RewardPay Review
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  • Travel Money Cards
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    • Travel Money By Country
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  • Banking & Savings
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      • Depositor Compensation Scheme (DCS) Explained
    • Savings
      • Best Term Deposits
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      • Booster Savvy Review
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    • Guides and Resources
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      • NZ Bank Prefix Codes
    • Reviews
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  • Mortgages
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      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
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      • Tips for Seniors Renting or Paying Down a Mortgage
      • Remortgaging Guide
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      • How to Manage Higher Mortgage Payments
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    • Mortgage Brokers
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      • LifeDirect Mortgages Review
    • Buying a Home
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    • Building a House
      • NZCB Review
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  • KiwiSaver
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      • Free $500+ Government Money for KiwiSaver
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      • KiwiSaver Must-Know Facts
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    • KiwiSaver Contributions & Tax
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      • What's My PIR?
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    • KiwiSaver for Life Events and Specific Situations
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      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
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      • Generate KiwiSaver Scheme
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      • 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
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    • KiwiSaver Calculators
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  • Business
    • Compare Business Loans
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    • Business Insurance
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    • PAYE & Taxes
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    • Business Calculators & Resources
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    • Online Services
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      • PayPal NZ Account Fees
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    • For Startups
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  • MSD
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    • Working for Families Guide
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    • Super Rates 2025 and 2026
    • NZ Superannuation in a Nutshell
    • Government Departments Helping New Zealanders Directly
    • Food Grants Guide
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      • Food Banks Auckland
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  • Motoring
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      • Turners Cars Review
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      • The Women's Guide to Buying a Car
    • Car Dealerships Explained
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      • Gaspy App Review
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      • Best Car Batteries
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      • 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
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      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
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  • Law
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    • Agreeable Review
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    • Perpetual Guardian
  • Travel
    • Moving Overseas
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      • Working Holiday Visas for 30+ Year-Old New Zealanders
      • Moving to Australia
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    • Air New Zealand Specific
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      • Air New Zealand Koru Membership Review
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    • Lounges, Upgrades, Car Hire & More
      • How to Get Access to Airport Lounges
      • Air New Zealand Skycouch Review
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      • 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
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    • Foreign Currency Exchange
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  • Travel Insurance
    • Compare Travel Insurance
    • AMEX Airpoints Platinum Travel Insurance Review
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      • Australia and the Pacifc
        • Australia Travel Insurance
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      • Americas & Africa
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      • Europe
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    • Specific Risk Cover
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    • Travel Insurer Reviews
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    • Essential Information
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      • 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 iPhone Plans
    • Best Power Banks
  • Broadband
    • Compare Broadband Plans
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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
      • Ecotricity Review
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      • Flick Electric Review
      • Genesis Energy Review
      • Globug Review
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      • Nova Energy Review
      • Powershop Review
      • Z Energy Power Review
  • Essential Money Tips
    • Must-Read Lists & Tips
      • Fleeced Kiwi Awards 2025
      • 10 Things to Do Differently with Money in 2025
      • 10 Signs You’re in Financial Danger
      • 20 Indicators You're Doing Well Financially
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