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

Please be careful before taking significant steps - the dream of living in a tiny home is not without significant financial risks. Our guide explains what you need to know.
Tiny Homes New Zealand Guide
Updated 12 July 2024 
​
Summary:
  • ​With the soaring cost of property across New Zealand in the last decade and mortgage interest rates now over 7% p.a. it has never been harder for Kiwis to get onto the housing ladder. Even with a 20% deposit for a $500,000 home, we routinely hear of applicants being denied given the high repayment costs.
  • As those renting effectively end up paying someone else's mortgage, Kiwis are increasingly looking for alternative home ownership options between renting and buying a million-dollar property. This has led to a significant interest in tiny homes.
  • Embracing the tiny home lifestyle can be an exciting and fulfilling journey. With numerous benefits such as affordability, sustainability, and customisation, it's no wonder that more and more Kiwis are choosing to downsize.
  • However, Tiny Homes are not without their risks and many construction companies specialising in tiny homes have gone bust in recent years. For this reason, we suggest extensively scruitinising anyone you sign a contract with - the financial risks are significant if something goes wrong. Recent examples include the collapse of NZ Modular Homes, THT (NZ), Thermasol, NZHousing and Affordable Homes Construction, NZ Tiny Homes, Amazing Spaces NZ and Ready Homes all involve significant losses.
  • Before making a decision, consider the various factors that come into play. This includes finding a job that allows you to work remotely if you're in a rural area, and whether it's better to invest in a traditional home for the potential capital gains. Each option has its pros and cons in terms of risk, reward, and opportunity cost.
  • Resources beyond our guide include the New Zealand Tiny House Association and the Off Grid Living NZ Facebook group which are both trusted sources of information and support.

To help explain the options and considerations, our guide covers:
  • What is a Tiny Home? Why Are They Popular? What Are The Different Types of Tiny Homes?
  • Tiny Homes – Pros and Cons Explained
  • What are the Main Steps I Need to Follow to Build My Own Tiny Home?
  • Tiny Homes - Must-Know Facts and Considerations
  • Frequently Asked Questions

Know This First:
  • Depending on the local council, tiny homes often face zoning restrictions that limit where they can be placed or built. Some councils may only allow tiny homes in specific zones or prohibit them altogether. This can lead to difficulties in finding suitable land or parking spaces for tiny homes and potential legal issues if a tiny home violates zoning regulations. There are several other issues that limit the functionality of tiny homes:
  1. Securing Land: One of the main challenges of tiny home living is securing land. Many subdivisions have restrictive covenants that may prohibit tiny homes. If you're considering a tiny home, it's crucial to prioritise obtaining land that you can legally live on before moving forward with your tiny home plans. The idea of owning a tiny home can be attractive due to the relatively lower costs involved. It is possible to get land and a tiny home for under $200,000 to $300,000.
  2. Location: While you may find affordable land in rural areas, it's important to consider the implications of a longer commute. With rising fuel prices, the cost of commuting can quickly add up.
  3. Cash Flow: If you're concerned about cash flow, it's worth noting that purchasing a regular house allows you to rent out rooms to flatmates, providing immediate cash flow. However, a tiny home might offer better cash flow in the long term due to lower maintenance costs and utility bills.


New Zealanders respond to our research:
  • Because of the risks, we posted this guide on Reddit in August 2023 - you can read the responses here, which include valuable insights.
  • One particular comment stood out: "(tiny hones) are great in theory, and the marketing is attractive with buzzwords like minimalism and sustainability thrown around. You're paying a fortune per square metre and don't even get freehold land to put it on. The hassle of dealing with leases, land-rent and councils all comes with it".
  • As did another - "Could we also start calling tiny homes what they actually are? They're mobile homes/trailers. "Tiny home" is just a 'boujee' and aspirational marketing term that glosses over the fact that they are portable trailers traditionally used by the poor and working class. I've noticed an aversion to using traditional working-class terminology in discussions about personal finance. Nobody wants to admit they work two jobs to get by and live in a trailer. Instead, they have a side hustle and live in a tiny home. I wonder if normalising these traditional terms and using them again could make people view their situations differently and more realistically".
  • And this comment is worrying - "I'm a member of the Off Grid Living NZ Facebook group, and the number of people that spend a significant amount of money having a tiny home built, i.e. $100,000+, and don't have anywhere to put it is shocking. There must be an assumption that there are very cheap sections or cheap land to lease on which to put it, so they don't start looking until their tiny home is almost completed.

What's an alternative to a Tiny Home? (as a first home purchase)
  • We argue that the best tiny home is a studio apartment. This is because it's likely to be located somewhere useful and have a saleable value.
  • One of the advantages often overlooked with studio apartments is that your body corporate costs are proportional to either the value or the square metre area of your apartment. So, a smaller apartment saves you money long-term as well as upfront. It also means your exposure to risk about maintenance and watertightness issues is far less than with larger apartments.
  • The downside of buying an apartment is that banks can be reluctant to loan money against them. But this also means you're not competing against as many buyers (compared to a house). Investors don't want apartments because they can't leverage them, and most first-home buyers struggle to get the equity for the deposit (which can be more than 20%).
  • Apartments are low in price relative to houses and allow you to pay it off faster, become 'mortgage free', and work toward a house purchase later on if that's what you want - an apartment gets you on the 'ladder'. However, there's not without risks if they're a leaky building or have a bad manager or leasehold problems.
  • You can get a fantastic apartment in a great building and avoid the issues with tiny homes. Apartments are also easy to look after and maintain because of their small size.

MoneyHub Founder Christopher Walsh shares his comments on what to do before going any further with a Tiny Home:

"It's critical to remember that connecting any services such as power, supply water, wastewater, stormwater etc. must be consented to, which requires time and money. If you have a kitchen in your tiny home, this will also require consent. Councils have become cautious around tiny homes - they don't want problems later on, and you'll need to be careful as there is online discussion about certain councils trying to catch tiny homeowners out when it comes to consents.

Beyond this, my suggestions are as follows:
  1. Test the Lifestyle: Before committing to a tiny home, it's essential to test if the lifestyle suits you. Try living in a small space, such as your kitchen and bathroom, for several weeks. A tiny home might be right for you if you can handle the limited space.  
  2. Appliances: While some tiny homes may come with full-sized appliances, most are designed with space-saving features in mind. If you're considering buying a pre-built tiny home, be prepared to compromise on the size of your appliances.
  3. Water Supply: Collecting rainwater is a viable option for a tiny home, helping you lower water usage costs.
  4. Internet Connection: Consider alternative internet options like Starlink, which could provide high-speed internet access even in rural areas. While 5G might be a solution for internet access, consider the potential data caps and how they might affect your online activities.
  5. Outdoor Space: Maximize the area outside your tiny home by creating an outdoor lounge and entertainment area, such as a deck or pergola, to extend your living space.
  6. Hobbies: Be aware that a tiny home might not have room for hobby-related equipment and supplies. If having space for hobbies is essential to you, a tiny home might not be the best fit.
  7. Try Before You Buy: Visiting and touring a tiny home before committing is highly recommended. This lets you get a feel for the space and decide if it's right for you.
  8. Solo or Shared Living: Consider whether you'd be comfortable living in a tiny home with another person. Some people may find it more suitable for solo living due to the limited space.
  9. Access to Services: In a tiny home, access to water, sewage, and power can be more challenging than in traditional homes. Off-grid living may require a chemical toilet, tanked water, and solar power.
  10. Off-Grid vs. On-Grid: Off-grid tiny homes can be more challenging to manage regarding water and power supplies. On-grid living offers access to services but can be more expensive. Choose the option that best suits your needs and budget".
Christopher Walsh MoneyHub Founder
Christopher Walsh
MoneyHub Founder


What is a Tiny Home Why Are They Popular What Are The Different Types of Tiny Homes NZ

What is a Tiny Home? Why Are They Popular? What Are The Different Types of Tiny Homes?

A tiny home is a compact, fully-functional living space that typically ranges from 10 to 40 square metres (the size of a small studio apartment). However, there’s no technical definition of a tiny home based on New Zealand legislation. These homes are designed to maximise limited space, featuring clever storage solutions and multi-purpose furniture (such as a Murphy bed). Tiny homes often utilise eco-friendly materials and sustainable design principles, making them an attractive option for environmentally-conscious Kiwis.

The main reason tiny homes are so attractive is the low entry price needed to get onto the property market. In addition, tiny homes generally cost less to build and maintain than traditional houses, making homeownership more accessible to many Kiwis.

Tiny homes come in various types and styles. The two main options for tiny homes are to have them “moveable” (e.g. on wheels) or immovable (e.g. have the home foundations bolted to land). The most popular types of tiny homes include:
  • Mobile tiny homes: Typically built on a trailer or a vehicle with wheels, these homes can be moved from place to place, offering flexibility and freedom.
  • Stationary tiny homes: These are built on a fixed foundation and cannot be easily moved.
  • Modular tiny homes: Pre-fabricated and assembled on-site, these homes offer customisation and can be easily expanded.
  • Container homes: Built using shipping containers, these homes are eco-friendly and can be easily transported.

Important:
These definitions aren't exhaustive, and other types of tiny homes may exist and continue to be developed.

Where can I find tiny homes?

You can find tiny homes for sale or rent through various channels in New Zealand: 
  • Tiny home builders: Numerous companies in New Zealand specialise in constructing tiny homes. They often have pre-designed models or can create custom homes to suit your preferences.
  • Important: MoneyHub has not reviewed any of the tiny home providers and therefore provides no assessment or opinion on any of the tiny home providers/builders listed below:
    • HouseMe Transportable Homes
    • Podlife Tiny Homes
    • Go Tiny Homes New Zealand
    • Absolute Tiny Homes
    • Tiny Home HQ
  • Online marketplaces: Websites like Trade Me Property, RealEstate.co.nz and Homes often have the most property listings, including tiny homes for sale or rent.
  • Real estate websites or agents: Local agents (such as Ray White, Barfoot and Thompson or Bayleys) may have listings for tiny homes or can help you find suitable land to build one yourself.

Tiny Homes – Pros and Cons Explained NZ

Tiny Homes – Pros and Cons Explained

Pros:
There are numerous reasons why someone might choose to live in a tiny home, and why it's favourable to do so:
  • Affordability
    Tiny homes are generally more affordable than traditional houses in terms of construction and ongoing costs. This is because they require less land, materials, and building time. Additionally, utility bills, maintenance, and property taxes tend to be lower, making them an attractive option for those looking to save money or live within a tight budget. 
  • Sustainability
    Tiny homes have a smaller environmental footprint, requiring fewer resources to build and maintain. In addition, they often incorporate sustainable materials, energy-efficient appliances, and renewable energy sources like solar panels. This makes them a more eco-friendly housing option. 
  • Less maintenance
    Living in a tiny home can simplify one's life by reducing clutter and encouraging a more minimalist lifestyle. The limited space forces residents to be more intentional with their belongings and maximise the available space. This can lead to a more organised, stress-free living environment.
  • Flexibility
    Moving or expanding your tiny home offers flexibility not found in traditional housing. However, you're generally restricted from expanding beyond a certain level and space if you own a house with specific local council rules and regulations (such as the Auckland Unitary Plan).

Cons:
Despite their appeal, tiny homes also have potential drawbacks: 
  • Limited space
    The small size of tiny homes can be challenging for some Kiwis, particularly regarding storage and personal space or those with large families.
  • Zoning and building regulations
    Navigating the legal requirements for tiny homes can be complex and time-consuming.
  • Accessibility
    Some tiny homes may not be suitable for Kiwis with mobility issues or disabilities that require certain accessibility modifications.
  • Financing difficulties
    Obtaining a mortgage or loan for a tiny home can be more challenging than traditional properties due to their limited resale value and lack of comparable property sales data (which banks need to assess relative value when issuing a mortgage).
  • Capital growth and resale value
    ​
    The niche market for tiny homes could make selling your property more difficult given the pool of eligible or interested Kiwi buyers is likely smaller.

What are the Main Steps I Need to Follow to Build My Own Tiny Home

What are the Main Steps I Need to Follow to Build My Own Tiny Home?

1. Planning
Before buying a tiny home, consider the following factors:
  • Budget: Determine how much you can afford to spend on your tiny home, including land, materials, labour, and additional costs such as permits and utility connections. 
  • Location: Identify suitable land or property to place your tiny home, ensuring it meets zoning regulations and community requirements - finding land is arguably the most difficult part of developing a tiny home. If you’re building a mobile tiny home, this likely won’t apply (but you’ll still need a location to assemble it).
  • Size: Determine the ideal size for your tiny house, considering the number of people living in the home, lifestyle, and storage requirements.
  • Design: Choose a design that reflects your taste, maximises functionality, and adheres to local building codes and safety standards.
  • Budget: Create a realistic budget for your tiny home project, considering costs associated with land, construction, permits, and other expenses.
  • Legalities: Familiarise yourself with local regulations and building codes to ensure your tiny home meets legal requirements (note that we've included a specific section below as it's incredibly important to ensure you've met all obligations BEFORE building your tiny home and AFTER you've finished construction/building).
​
2. Building

  Once you have a solid plan, you can begin the building process. This will likely involve: 
  • Sourcing materials: Select high-quality, sustainable materials that withstand time and provide insulation, durability, and energy efficiency.
  • Hiring professionals (tradies): While some build their tiny homes, hiring experienced professionals can ensure a smoother building process and a well-constructed home. If you’re based in Auckland, check out the definitive guide to trade services in Auckland.
  • Customisation: During the building process, consider any unique features or customisation options you want to incorporate into your tiny home.
  • Construction: Hire a reputable builder or consider a DIY approach if you have the necessary skills and resources.
  • Utilities: Plan for essential services such as water, electricity, and waste disposal.
  • Finishing touches: Customise your tiny home with furniture, appliances, and decor that maximise space and functionality.
 
3. Regulations and compliance
Tiny homes are legal in New Zealand. However, while tiny homes offer an attractive alternative to traditional housing in terms of affordability and sustainability, they also come with their fair share of risks related to council regulations. Navigating these regulations can be challenging for tiny house enthusiasts, as the rules often vary between regions and can lead to complications.

The two main rules and regulations that tiny homes must adhere to are the New Zealand Building Code and local zoning regulations. Some of the risks associated with tiny homes and council regulations include:
  • Inconsistent regulations: One of the primary risks for tiny house owners is the inconsistency of regulations between different councils and regions. As there are no uniform nationwide rules governing tiny homes, it can be difficult for owners to ensure their tiny home complies with all local requirements. This lack of consistency can result in legal issues and potential fines if a tiny home is found to be non-compliant.
  • Zoning restrictions: Depending on the local council, tiny homes may face zoning restrictions that limit where they can be placed or built. Some councils may only allow tiny homes in specific zones or prohibit them altogether. This can lead to difficulties in finding suitable land or parking spaces for tiny homes and potential legal issues if a tiny home violates zoning regulations.
  • Building code compliance: Another risk associated with tiny homes is the need to comply with local building codes. While some councils may classify tiny homes as caravans and exempt them from building code requirements, others may classify them as buildings requiring compliance with the Building Code. Ensuring a tiny home is built to code can be challenging and costly, particularly if modifications are required after construction.
  • Utility connections: Tiny homes may also face challenges related to utility connections, such as electricity, water, and sewage. Local councils often have specific requirements for connecting tiny homes to utilities, and non-compliance can lead to legal issues and potential fines. Additionally, connecting a tiny home to utilities can be a complex and costly process, which can further impact the affordability of the tiny home lifestyle.
  • Permit requirements: ​In some regions, permits may be required for various aspects of tiny home construction and placement, such as building permits, resource consents, or special permits for transporting oversized loads. Obtaining these permits can be time-consuming and costly, and failing to secure the necessary permits can result in legal issues and fines.

Tiny Homes NZ Must Know Facts and Considerations

Tiny Homes - Must-Know Facts and Considerations

1. Tiny homes aren’t for everyone
Tiny homes are incredibly efficient and cheap relative to living in a larger home. Still, it's important to know that not all Kiwis can live in tiny homes (especially families). Consider your lifestyle, needs, and long-term goals before deciding if tiny living is right for you. Additionally, renting out a tiny home for you and your family for a few weeks can be a great way to see if the "tiny home lifestyle" is right for you.

2. Know where you can and can’t place your tiny home
You can't just drop a tiny home anywhere. Additionally, you still need to follow all rules and regulations regarding whether your tiny home is a fixture or a chattel (which may influence what you can do to the tiny home and where you can move it).
​
Research council regulations and requirements before building or placing your tiny home to avoid potential legal issues from residents or the New Zealand government. Most regulation relating to tiny homes originates from the Buildings Act 2004.

In addition, building Performance (which is overseen by the Ministry of Business, Innovation and Entrepreneurship, or MBIE) has published detailed guidance on how tiny homes are regulated.

3. When space is small, good design and customisation make all the difference
Because tiny homes lack space, make sure the layout and objects you keep in your tiny home are customised to fit your preferences as best as possible. Try to design your tiny home to meet your unique needs and preferences, maximising functionality and comfort. A few areas to start you off include:
  • Transforming furniture: Innovative furniture can serve multiple purposes, allowing you to maximise the functionality of your space. Examples include wall beds (such as the Murphy bed), fold-out desks and modular seating arrangements to accommodate multiple guests. 
  • Smart home technology: Integrating smart home technology into your tiny home can enhance your living experience and improve energy efficiency. Devices such as smart thermostats, lighting controls, and security systems can help you manage your tiny home more effectively.
  • Off-grid solutions: Developments in off-grid technology, including solar panels, composting toilets, and rainwater harvesting systems, make it easier to live self-sufficiently in a tiny home. 

4. Try to declutter and downsize BEFORE you move into a tiny home
It's important to try and prepare yourself to live with less space (and, as a result, fewer "things"). Assuming you live in a standard house before moving into a tiny home, take the time to declutter your belongings and only keep essential, functional, or sentimental items. Embracing minimalism can help you adapt easily to tiny living and create a comfortable, organised space. 

5. Incorporate outdoor living spaces to “save space” inside your tiny home
One way to enhance your tiny home experience is to extend your living space outdoors. By incorporating outdoor living spaces into your tiny home design, you'll be able to get the maximum benefit from the materials and resources in your tiny home without feeling like you're "compromising" on things: 
  • Decks and patios: Adding a deck or patio to your tiny home can create a comfortable dining, relaxing, or entertaining space. 
  • Fold-down outdoor tables: Install a fold-down table on your tiny home's exterior to create an instant outdoor workspace or dining area. 
  • Container gardens: Cultivate a container garden to add greenery and fresh produce to your tiny home environment. 
  • Outdoor kitchens: An outdoor kitchen can provide additional cooking and food preparation space, making entertaining and enjoying the outdoors easier. 

​Know This: While tiny homes are efficient, some maintenance is still required
Don't underestimate the time and cost required to maintain a tiny home. While tiny homes require far less maintenance than traditional homes, this doesn't mean that there's zero maintenance that you need to do. Generally, a tiny home may come with bespoke water, utilities and cleaning to run that local government council may or may not assist with (something that would usually get covered as part of paying "council rates". Whether you pay council rates (and get the associated services that come with paying council rates)  will depend on where you place your tiny home. 

Tiny Homes NZ Frequently Asked Questions

Frequently Asked Questions

Do I need a special licence to tow a tiny home on wheels?

​No, you can generally tow a tiny home on wheels using a standard driver's licence, provided the vehicle's and trailer's combined weight does not exceed the specified limit.  

Should I build or buy a tiny home?

​It depends. If you're looking for a no-frills option, don't want to "get your hands dirty", or don't have the time, an easy option is just to purchase a tiny home that's already been made from some of the vendors listed above. You can then customise the tiny home as you like after you've bought a base model. If you'd rather build your tiny home from scratch, consider the time and cost of building your own. We've provided a framework above for those that wish to build their own tiny home.

Is a tiny home big enough to bring up and support a family?

You can raise a family in a tiny home, but it requires careful planning and organisation. Some families opt for larger tiny homes or modular designs that can be expanded. Prioritising space-saving features and multi-purpose furniture can also help accommodate the needs of a growing family. 
​
Whether you can bring up a family in a tiny home depends on your living style and the number of people in your family. For some Kiwis, bringing up a family (such as a couple with a single young infant) will be possible. However, if you've got a relatively large number of children/dependents and you're the type of family to enjoy lots of space, a tiny home may not be as suitable for you. 

How do I connect utilities to my tiny home?

Connecting utilities to your tiny home will depend on its location and type. For tiny homes that are fixed, you can connect to existing utility lines or use alternative sources such as solar panels, rainwater collection systems, and composting toilets. Mobile tiny homes can use RV-style connections or portable options like solar panels and propane tanks. ​

Related Guides:
  • 40 Must-Know House Buying Tips
  • Rent to Own Homes
  • The Best House Price & Valuation Websites
  • Buying Land to Build a House
 
Other resources (external guides):
  • Trade Me Property: Tips for buying a tiny home and how they’re evolving
  • Breaking Down the Tiny House Laws in NZ
  • New Zealand Tiny House Association
  • Off Grid Living NZ Facebook group
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          • Other Coins
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  • Loans & Finance
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  • Insurance
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  • Credit Cards
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    • Reviews
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        • Where is AMEX Accepted?
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        • Qantas Credit Cards
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        • RewardPay Review
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    • Travel Money By Country
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  • Banking & Savings
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    • Savings
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    • Guides and Resources
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    • Reviews
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  • Mortgages
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    • Mortgage Brokers
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      • LifeDirect Mortgages Review
    • Buying a Home
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    • Building a House
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  • KiwiSaver
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    • KiwiSaver Calculators
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  • Business
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    • Business Calculators & Resources
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    • For Startups
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  • MSD
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  • Motoring
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    • Car Dealerships Explained
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    • Warrant of Fitness
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  • Law
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  • Travel
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    • Air New Zealand Specific
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    • Lounges, Upgrades, Car Hire & More
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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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      • Americas & Africa
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    • Specific Risk Cover
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    • Essential Information
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      • How to Renew a New Zealand Passport
      • What is TAANZ?
      • Travel Packing List
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  • Mobile & SIM
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    • Apple Watch Buying Guide
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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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    • Electric Vehicle Power Plans
    • How to Use Less Power
    • Power Companies
      • Contact Energy Review
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      • Nova Energy Review
      • Powershop Review
      • Z Energy Power Review
  • Essential Money Tips
    • Must-Read Lists & Tips
      • 10 Things to Do Differently with Money in 2025
      • 10 Signs You’re in Financial Danger
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      • 20 Things to Stop Buying to Have More Money
      • 20 Must-Know Money Lessons (Learned From Experience)
      • 20 Frugal Decisions That Often Backfire
      • 20 Money Habits that Keep You Poor
      • 20 Supermarket Ripoffs
      • 20 Ways to Save on Household Bills
      • 10 Hidden and Exorbitant Costs of Living in New Zealand
      • 10 Simple Financial Steps with Massive Future Payoffs
    • Money & Relationships
      • Bailing Out Your Partner Financially
      • Financial Red Flags in a Relationship
      • Don’t Let Supporting Your Adult Children Ruin Your Retirement
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
    • Money & Family
      • Teaching Kids About Money
      • Single Parenting and Money
      • Tips for Families on a Single Income
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    • Valuable Insights
      • Why Am I Not Wealthy?
      • Can the Average New Zealander Become a Millionaire?
      • Money Habits Keeping You in the Rat Race
      • 15 Great Things New Zealanders Can be Optimistic About
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      • Stealth Wealth
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      • Average NZ Salary by Age
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      • Dental Costs
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    • Challenging Economic Conditions
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      • How to Protect Your Finances from Inflation
      • Impacts of Inflation in New Zealand
      • Layoffs, Redundancies and Restructures - Your Rights and Next Steps
      • Graduating Without a Job
      • Should I Stop Contributing to KiwiSaver?
  • Financial Independence
    • FIRE Guides
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      • How to Retire Early
      • FIRE Explained
      • The Four Percent Rule
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      • FIRE and NZ Real Estate
    • FIRE Tools
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      • SortMe Review
    • Repaying Debt
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      • CAP (Christians Against Poverty) Review
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      • Getting into Debt to Meet Short Term Living Costs
      • Bankruptcy Guide
    • Tax
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      • Salary Sacrifice in New Zealand
      • Tax Bracket Creep
      • Choosing an Accountant
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  • Life Essentials
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      • Make Money Online
      • Paid Survey Websites Review
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        • Nielsen Homescan Review
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        • Valued Opinions Review
        • Opinion World Review
        • Triaba New Zealand Review
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      • Free Samples
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      • Hosting International Students
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    • Kids Eat Free
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      • HelloFresh Review
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      • Online Supermarkets
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      • Supermarket Christmas Clubs
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    • Entertainment
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      • Disney+ Review
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    • Consumer Rights
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    • School Holiday Activities
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    • Shopping Resources
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    • Living Essentials
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