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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Vehicle Leasing in 2025 - The Definitive New Zealand Guide

Whether you're leasing a car, ute or van, our guide explains the tax and business benefits, must-know facts and frequently asked questions.
Vehicle Leasing New Zealand
Updated 25 April 2025
Confused by whether or not to lease a car or van? Our guide walks you through all the essential must-knows about vehicle leasing. We cover: 
  • What are the benefits of vehicle leasing?
  • What do I need to be aware of when leasing a vehicle?
  • Should I buy a vehicle outright, use finance or lease?
  • Outlining the process of leasing a vehicle
  • A typical vehicle lease example: Brian the Plumber
  • Vehicle Leasing - Our Conclusion

Know This First: Our dedicated guides to Operating Leases, Finance Leases and Operating Leases vs Financing Leases contain specific details around different funding options available beyond standard vehicle leasing contracts.

Are you looking to finance a business vehicle? Our business vehicle finance comparison has more information.

What is vehicle leasing?

Vehicle leasing is a contract which allows a business to obtain a vehicle for a fixed period. The leasing company owns the vehicle and charges the business an agreed amount per month to use the vehicle. Usually, leases last for 12 to 48 months, but in some cases can be longer.

Once the lease ends, the business returns the vehicle. Leases are tax-deductible. 
Importantly there are two types of vehicle leases – operating leases and finance leases. This guide focuses primarily on operating leases. 

Understanding Operating Leases
  • Operating leases represent the traditional fixed-term vehicle lease where the ownership remains with the leasing company.
  • For example, a typical operating lease may be advertised as ‘36 months, 90,000km mileage and full warranty’. This means you’ll lease the car for three years and be contracted to drive less than 90,000 km. 
  • Operating leases have several advantages:
  1. The cost is 100% tax-deductible as an operating expense
  2. In most cases, the leasing company has the responsibility of maintaining the vehicle
  3. The contract appears ‘off-balance sheet’, meaning the remaining lease cost won’t appear as a liability on your accounts. 
  4. You don’t need to borrow or invest a large amount of working capital to buy a vehicle outright, meaning you can use the free money on something productive. 
  5. Lease payments are fixed and easy to budget for. 

But there are some disadvantages:
  1. You must keep the vehicle in very good condition to avoid a ‘refurbishment charge’ when you return it at the end of the lease.
  2. You’re locked into a fixed term and fixed km allowance, so if your business needs a change you’ll need to re-negotiate the contract. 
  3. In most cases, there are high termination fees if you wish to cancel before the end of the lease. 
  4. Be aware that maintenance packages will most likely exclude tyre replacement. Replacing four tyres can be costly, so it's important to ask what tyre package is available (and negotiate a better one if necessary).​ A set of tyres generally lasts around 40,000 km, so if you have a 90,000 km mileage lease, this could cost an extra $2,000+ in tyre costs. 

Alternative Option: Finance Leases

  • A finance lease is similar to an operating lease with one key difference – at the end of the lease, the business leasing the vehicle owns it outright. 
  • You don’t need to borrow or invest a large amount of working capital to buy a vehicle outright, meaning you can use the free money on something productive. 
  • The monthly payments can work out to be cheaper than car finance 
  • The GST on the lease element can be claimed back
  • Depreciation can also be expensed

But there are some disadvantages:
  1. The cost is not 100% tax-deductible, unlike an operating lease.
  2. The vehicle is treated as an asset on your balance sheet, and the unpaid amount appears as a liability. 
  3. As the vehicle depreciates, your asset is worth less each year. You can expense the depreciation cost, but it’s still a cash loss.

Christopher Walsh MoneyHub Founder
Christopher Walsh
MoneyHub Founder

Considering a new car purchase on finance as an alternative to leasing? Avoid costly mistakes with MoneyHub's Top Car Finance Options:
  • We focus on highlighting the top car finance options to help you avoid costly high interest rates and unnecessary fees that add up too quickly. Our extensive research has consistently highlighted two trusted lenders who offer fair, competitive interest rates for most borrowers.
  • Simplify – A dedicated car loan specialist, Simplify has built a strong reputation for offering some of the most competitive rates and terms in the market. For 2024, we've named them our Favourite Car Loan Lender for their customer-focused approach and proven ability to get New Zealanders into cars with great finance deals. 
  • Harmoney – If you prefer a low-fee personal lender with an easy, fully online process, Harmoney is a great option for secured car loans. Their streamlined application can help you secure a loan quickly and efficiently.
  • Why Compare? Comparing car finance options can save you thousands. Even a 1% lower interest rate can significantly reduce your repayments. While dealership financing might seem convenient, it often comes with higher costs to boost their profits. By exploring different lenders and brokers (such as Simplify and Harmoney), you can secure a better deal, avoid unnecessary markups, and ensure you're not overpaying for your car.
  • Important: The interest rate you lock in now will impact your repayments for years to come, so choose wisely and compare before committing.
  • Advertising Disclosure: We may receive a commission if you proceed with a loan through our partners. However, this does not influence our recommendations, and all lenders are thoroughly vetted for fairness. Rates vary based on individual credit profiles.
Simplify Car Loan Award
Simplify Car Finance
Visit Simplify
Harmoney Secured Car Loans NZ
Visit Harmoney

Vehicle Leasing New Zealand

What are the Benefits of Vehicle Leasing?

​Cars on New Zealand roads depreciate faster than any other country in the world, and car finance isn’t cheap either. Vehicle leasing has become increasingly popular as drivers look to save on vehicle costs.  Unlike buying a car upfront, or paying for it on finance at high-interest rates, leasing is effectively the same as renting a car for anywhere between 12 and 48 months.

Benefits include:
  1. Vehicle leases are similar to renting a home – you pay a deposit, agree on a term and to make regular monthly payments, and you hand over the keys when the lease term ends. 
  2. Leasing companies offer new and used cars, most of which include cover for repairs and maintenance. New vehicle leases give you the ability to drive a new car every few years without the hassle of stumping up for repair costs should something go wrong. You also don’t need to muck around with selling you’re the car when you want to upgrade, nor are you stuck paying monthly costs until it’s paid off like you are with car finance. 
  3. New leased cars come with a manufacturer’s warranty. Used leased cars often offer a period of repairs cover. This makes managing cash flow easier, especially if your existing vehicle is prone to needing repairs. 

​Are you looking to finance a business vehicle? Our business vehicle finance comparison has more information.

Vehicle Leasing New Zealand
​

What do I need to be aware of when leasing a vehicle?

1. You’ll never own the vehicle
You’re essentially renting the vehicle for an agreed period. For example, if you lease 2020 Mazda 3 Limited for $500/month for 36 months, your total cost will be $18,000. A new Mazda 3 Limited retails for around $50,000. It’s up to you to decide if the ongoing cost provides good value for money. 

2. You’ll need to pay for comprehensive insurance
Insurance costs are separate from your monthly lease cost. Our car insurance comparison explains how to save money.

​3. Be aware of the condition the car needs to be returned in
To avoid service fees, you’ll need to be aware of the condition the leading company expects your to return the vehicle in. While a few marks are generally fine, it will need to be in a condition for easy re-sale. 

4. Understand the financial obligations
Beyond the monthly lease payments, you'll need to be aware of late fees, early return fees and damage penalties, among others. 

5. Be aware that mileage will be limited
All leases have a mileage limit - it doesn't apply per year but to the total term of the lease. If you return a car with 80,000 km added even though you agreed a 50,000 km lease, you will pay a penalty charge. Understand your mileage needs and don't under-estimate them when leasing a vehicle.

What types of vehicles can be leased?

There is a massive range on offer, although understandably the best selection will be found in Auckland, Wellington and Christchurch. Dozens of specialist companies offer leases for car, utes and vans. 

Is vehicle leasing just for business owners and employees, or can I lease privately?

Vehicle leasing is tax-effective for companies who will claim the GST and deduct the monthly costs as a business expense and therefore lowering their company tax bill. For example, a plumber leasing a van will deduct the lease costs in the same way as their petrol costs, phone bill and marketing expenses.

For individuals considering a vehicle lease, there are few options to make it ‘tax-effective’. This means you won’t be able to deduct the GST (15%), nor the monthly cost from your income. But there are advantages for individuals leasing: You can drive a new car without losing money on depreciation.

If you don’t have the money upfront for a new car, leasing allows you to budget a monthly payment with no other costs (like car finance). You can also avoid maintenance costs and repairs by leasing when it includes maintenance. 

Vehicle Leasing New Zealand

Should I buy a vehicle outright, use finance or lease?

The answer is it depends on your personal circumstances. Leasing can be very cost-effective and free up cash. MoneyHub is often asked by users whether they should ‘lease or buy?’ If you decide to lease, there are many advantages:
  1. Firstly, you won’t need to allocate precious capital to a heavily depreciating asset. The money you save can be directed to productive assets that boost revenue. 
  2. Secondly, leasing gives cashflow certainty. You’ll pay a fixed amount which for all businesses is tax-deductible. 
  3. Thirdly, many lease deals offer maintenance packages to protect you from repair costs. 

But, if you do lease, there are restrictions on kilometres. And if the warranty expires during the lease, you’ll be liable to pay any repair costs. And remember, after your lease ends, you won’t own the car or have any right to continue to use it. 

Many people favour leasing vehicles because it solves the ‘what should I do with my old car?’ question. Leasing means you just return the car, rather than trade it in. You’ll save time deciding how much is a ‘reasonable’ price, what to buy next and arranging financing if you don’t have all the money. It’s arguable that leasing is the best way to arrange a car, given the free-up of funds it offers as well as the risk-free commitment.

Vehicle Leasing New Zealand

The Process of Leasing a Vehicle:

Leasing a car is a straightforward process, but you’ll need to know the steps along the way to ensure you get the most suitable deal. We explain the six standard steps for vehicle leasing below.
Vehicle Leasing New Zealand

Step One: Work out what you can afford per month

The best way to do this is to look at what you pay now on car finance costs, and if it’s affordable, then allocating something similar is a good idea. If you own your vehicle outright, you’ll need to talk to your accountant or finance manager to get an idea. If your company is profitable, operating lease costs are 100% tax-deductible. 

We believe:
  • There is no magic formula for vehicle lease affordability – a partner of a law firm may earn $250,000 but pay $800/month for a BMW lease, whereas a plumber may earn $200,000 and pay $300/month for his van lease. 
  • It all comes down to what you want and what your business can afford.
Vehicle Leasing New Zealand

Step Two: Search for vehicle leasing companies

There are many options all over New Zealand. A simple Google search and asking business associates is a good start.​
Vehicle Leasing New Zealand

Step Three: Understand the pricing and obligations

  • Once you find a vehicle and make an enquiry, the company will want to know more about your business. Of particular interest is the kilometres you expect to drive and how long you need the vehicle.
  • The company will run a credit check (as an operating lease is a credit contract, much like a mobile phone plan or hire purchase is).
  • You’ll be quoted a monthly price, the permitted kilometre limit, break fees and any fees for untidy return, insurance and excess mileage.
  • If you’re uncertain about anything, this is the time to ask.
Vehicle Leasing New Zealand

Step Four: Signing the contract

Your contract will specify the term and all fees associated with the lease. You’ll need to arrange comprehensive insurance before you sign the paperwork. Once this is complete, you can collect your vehicle.
Vehicle Leasing New Zealand

Step Five: During the life of the contract

You drive and operate your vehicle just like you own it. You will hear periodically from the leasing company to make sure you’re a happy customer, but other than that the car is yours to manage as you wish.
Vehicle Leasing New Zealand

Step Six: End of the contract

If you have a traditional operating lease, you’ll hand back the vehicle at the end of the lease term. When do you this, there may be additional charges to pay if:
  1. You have driven excess kilometres above the agreed limit, and/or
  2. There is a need for refurbishment for anything considered to be above ‘wear and tear.’

If you have a finance lease, you’ll get ownership of the car once the value of residual balance owing is paid. You can do this by paying cash, arranging finance or trading the vehicle in for another vehicle.

Christopher Walsh MoneyHub Founder
Christopher Walsh
MoneyHub Founder

Considering a new car purchase on finance as an alternative to leasing? Avoid costly mistakes with MoneyHub's Top Car Finance Options:
  • We focus on highlighting the top car finance options to help you avoid costly high interest rates and unnecessary fees that add up too quickly. Our extensive research has consistently highlighted two trusted lenders who offer fair, competitive interest rates for most borrowers.
  • Simplify – A dedicated car loan specialist, Simplify has built a strong reputation for offering some of the most competitive rates and terms in the market. For 2024, we've named them our Favourite Car Loan Lender for their customer-focused approach and proven ability to get New Zealanders into cars with great finance deals. 
  • Harmoney – If you prefer a low-fee personal lender with an easy, fully online process, Harmoney is a great option for secured car loans. Their streamlined application can help you secure a loan quickly and efficiently.
  • Why Compare? Comparing car finance options can save you thousands. Even a 1% lower interest rate can significantly reduce your repayments. While dealership financing might seem convenient, it often comes with higher costs to boost their profits. By exploring different lenders and brokers (such as Simplify and Harmoney), you can secure a better deal, avoid unnecessary markups, and ensure you're not overpaying for your car.
  • Important: The interest rate you lock in now will impact your repayments for years to come, so choose wisely and compare before committing.
  • Advertising Disclosure: We may receive a commission if you proceed with a loan through our partners. However, this does not influence our recommendations, and all lenders are thoroughly vetted for fairness. Rates vary based on individual credit profiles.
Simplify Car Loan Award
Simplify Car Finance
Visit Simplify
Harmoney Secured Car Loans NZ
Visit Harmoney

Vehicle Leasing New Zealand

A Typical Vehicle Lease Example: Brian the Plumber

  • Brian is driving a 2002 van which continues to break down. This costs him lost jobs and hefty repair bills. 
  • Brian knows he drives between 50,000 and 70,000 km every year and doesn’t have $30,000+ to buy a new van, nor a used one. 
  • He is looking at a lease for a new or used van and will sell his old van to cover the ongoing cost.

Brian had four options:
​
Option 1 – Buy a $30,000 new van from a local dealer or a $20,000 used van. 
When making enquiries, Brian was offered $4,000 for his existing van. To buy the used van, he would have to get a loan for around $16,000 and this financing, at an interest rate, was going to cost about $535 per month. The used van has a one year guarantee. 

Option 2 – Arrange an operating lease on a used van
Brian saw that he could get a 2012 Nissan van for $300+GST per month for three years, and he was offered a ‘fully maintained’ contract which covered mechanical breakdowns during the lease. Brian needed to put down $3,000 in advance to secure the lease (this money is usually arranged from selling the existing vehicle). All payments, including the advance, are income tax-deductible.

Option 3 – Arrange a finance lease on a new van 
Brian found a 2019 Nissan van that would cost $35,000 and offered a three-year warranty.  
The cost was $500 + GST per month on a 48-month term. 
Brian needed to put down $8,000 in advance to secure the lease (this money is usually arranged from selling the existing vehicle). In this case, Brian’s van was only worth $4,000. 

Option 4 – Keep the existing van
Brian can keep his current van, but there is no certainty how long it will last and how reliably it will run. Cancelling jobs affects Brian’s reputation and build a trusted reputation. 

Lessons we can learn from Brian
  1. Operating leases can be more cost-effective than vehicle finance without the risks of breakdowns and mechanic costs.
  2. Operating lease costs are an operating expense that enjoy full tax deductibility.
  3. Brian, by selecting option 2, can arrange a reliable new vehicle for his business and focus on building his business knowing the risks are transferred to the leasing company. ​

Vehicle Leasing New Zealand

Vehicle Leasing - Our Conclusion

  • Leasing a vehicle offers numerous benefits for your business. We believe that, for most business, is most often more affordable option than buying a vehicle outright. 
  • There are a number of tax benefits, and businesses avoid having a depreciating asset sitting on the balance sheet. The cash freed up by paying a monthly expense rather than an entire debt limits business risk. It also allows a business to put the money towards growing their profits.
  • Operating and finance leases provide cashflow certainty and remove the risks that come with vehicle ownership. Leases also minimise time spent on making decisions about vehicle disposal.
  • Every business is different, so make your vehicle leasing decision carefully.
Car leasing companies:
  • LeasePlan
  • ​sgfleet
  • Custom Fleet
  • Honda Leasing
  • Toyota Leasing
  • Maaxi Leasing
  • Fleetwise
  • Flexi Lease

Car Finance:
  • Business Vehicle Finance Comparison
  • Compare Car Finance and Loans
  • Car Finance Calculator

Business Lending and Finance:
  • Business Loan Calculator
  • Compare Business Loans
  • Business Borrowing Options
  • Small Business Loans
  • Operating Leases
  • Finance Leases
  • Operating Leases vs Financing Leases
  • Prospa Business Loans Review
  • Bizcap Business Loans Review​


Related Guides:
  • Buying a Used Car
  • 20 Ways to Make Driving Cheaper
  • Car Valuations
  • Best Electric Cars
  • Parking Tickets
  • Selling a Car
  • Top Cars that Hold Their Value
  • AA Membership Review
  • CarJam Review and CarJam vs MotorWeb Reports
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  • Credit Cards
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        • Qantas Credit Cards
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  • Banking & Savings
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    • Savings
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      • LifeDirect Mortgages Review
    • Buying a Home
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  • KiwiSaver
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    • For Startups
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  • MSD
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  • Motoring
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  • Law
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    • Best of New Zealand
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  • Travel Insurance
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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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  • Broadband
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    • Internet Speed Test
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  • Power
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    • Power Companies
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  • Essential Money Tips
    • Must-Read Lists & Tips
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      • 10 Signs You’re in Financial Danger
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      • 20 Frugal Decisions That Often Backfire
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      • 20 Supermarket Ripoffs
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      • 10 Hidden and Exorbitant Costs of Living in New Zealand
      • 10 Simple Financial Steps with Massive Future Payoffs
    • Money & Relationships
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      • Financial Red Flags in a Relationship
      • Don’t Let Supporting Your Adult Children Ruin Your Retirement
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
    • Money & Family
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      • Tips for Families on a Single Income
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    • Valuable Insights
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      • Dental Costs
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    • Challenging Economic Conditions
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      • Layoffs, Redundancies and Restructures - Your Rights and Next Steps
      • Graduating Without a Job
      • Should I Stop Contributing to KiwiSaver?
  • Financial Independence
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      • SortMe Review
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    • Tax
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      • Salary Sacrifice in New Zealand
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  • Life Essentials
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      • Free Samples
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    • Kids Eat Free
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      • HelloFresh Review
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    • Entertainment
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    • Consumer Rights
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    • Shopping Resources
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    • Living Essentials
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    • Home & Kitchen
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      • Best Printers
      • Best Computer Desks
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      • Blinds, Curtains and Drapes Auckland
    • Health & Personal Care
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  • Trade Services
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