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

Minimise the risk of a failed WOF, save money and time, and get repairs from trusted Wellington mechanics with our comprehensive guide.
Wellington WOF
Updated 8 August 2024
​Generally, the biggest surprise with getting a WOF isn’t the upfront fee (a WOF is generally cheap; $50 to $75 is standard). Instead, it’s the WOF ‘fails’ that can end up costing a lot of money. To ensure getting a WOF in Wellington is a hassle-free process, our guide covers:
  • Suggest DIY Pre-WOF Test
  • WOF repairs - know the costs upfront to avoid surprises
  • Trusted Wellington mechanics for WOF fails

Know this first: ​Find the right WOF test centre for your vehicle's condition
A WOF promotion for $30 or $40 sounds good, but be careful. You face the risk of being strong-armed into spending $500+ with the mechanics if a fault is found. To make things simpler and put you in control, we suggest the following approach:

Is your car in excellent condition?
  • If your car is less than five years old and/or is kept in top condition, choosing a WOF testing centre based on price is likely to be the best option. 

Is your car in moderate condition and likely to need only minor repairs?
  • If you believe that your car will probably pass, a WOF testing station that doesn’t offer repairs is likely to be the best choice. A popular example is VTNZ. As they don’t carry out repairs, there's no vested interest in anything failing.

Is your car likely to need major repairs?
  • If you’re confident your vehicle will need repairs to pass its WOF, then the best approach is to take it to an independent testing agent (like VTNZ) and research trusted local garages. Once you know the faults from a failed WOF, you can arrange a quote.

Final Steps: Re-testing your vehicle after repairs
  • If your vehicle fails a WOF and you get the necessary repairs, it will need to be re-tested.
  • If you fix all the items that require attention within 28 days of the initial inspection, the WOF testing station will re-inspect the vehicle at no additional cost.
  • If you exceed the 28 days from the initial inspection, a new fee and inspection are required.
​

Wellington WOF

DIY Pre-WOF Test

Per 2019 government statistics, in 2019 a total of 1,886,104 vehicles failed a WOF on the first attempt. This means that 40% of vehicles are not at the desired level of roadworthiness.

We suggest saving yourself the hassle of having to fix common mistakes by undertaking a DIY pre-WOF check at home. Some simple pre-WOF fixes can lower the risk of a failure, although some fails can only be fixed by professional mechanics. Pre-empting the issues and fixing them beforehand saves you money, time and frustration. 

Know this: Around 1 in 6 vehicles fail their WOF because of a dead light bulb. The table below outlines the most common reasons for failing a WOF and ways to prepare in advance.
Reason for Failure
Checks to do before your WOF
Lights
Make sure all of your lights are working. Do a 360-degree walk-around of your car while every light is on, and check brakes, dip, hazard and indicators, as well as the number plate light. 

Solution: If a light is out, a new bulb costs a few dollars from stores such as Repco and Supercheap Auto.
Suspension
A comprehensive suspension check is impossible, but if you push down on each corner of your car and then release, the car should re-balance. If it doesn't, then shock absorber reconditioning may be required. Your WOF will reveal what's needed.
Brakes
If your brakes feel tense then it's likely you have an issue. You may also see a brake warning light which indicates your brake pads need replacing. If an issue comes up on your WOF, a mechanic is the best person to fix it.
Tyres
Tyre pressure
Check your car's tyre pressure and fill them up to their recommended level at a petrol station. You can find the desired PSI in your vehicle handbook, inside the fuel filler flap, or on the driver's door post.

Tyre tread 
The minimum legal tread depth is 1.5mm within all principal grooves that contain these moulded tread depth indicators. If it is below, you'll need to buy a new tyre for every one that fails the WOF.
Windscreen
Per the NZTA, damage (apart from scratching and surface pitting that does not affect the driver’s vision, such as small stone marks) will fail a WOF. If you have windscreen damage that affects your vision of the road, you'll need to get this repaired. Some insurers cover glass repair without excess, so see if this applies to you.

A windscreen with damage that prevents the wiper blades from working properly will also fail a WOF. 
​Exhaust
A leaking exhaust will fail a WOF. To test it, turn on your engine (in a well-ventilated location) to check for unusual noises or abnormal smoke. If you notice either or both, it indicates a leak which will fail a WOF.
Steering
There's no test you can do at home, but if you feel as if the steering could be more responsive or you see a warning light, a repair may be needed.
Fluids
Check the brake fluid, windscreen washer and oil reserves, as well as for leaks.
Everything else
Give your car a comprehensive once-over, making sure that your seatbelts are functioning, the horn works, the doors open and close from inside and outside, and make sure the wing-mirrors are clean and secure. Most importantly, check there are no warning lights on.
​

Wellington Best WOF

WOF repairs - know the costs upfront to avoid surprises

For repairs, get a quote first and ask the right questions:
  • Requesting a quote detailing the cost of a job will minimise the chances of any nasty billing surprises. Such a quote will formally set out the cost of a job so that you know what to expect. 

Whatever the WOF issue with your car, when organising a quote, we suggest asking:
  1. What is the estimate of the total cost to fix the problem(s)?
  2. ​Is GST included? 15% adds up, so make sure the final price you hear and agree to is GST-inclusive. For example, $300 becomes $345 with GST included.
  3. What is the guarantee period? You want a solution, not a short-term fix, so ask to make sure that the proposed solution offered is final and will meet the needs of the WOF assessment.
​

Wellington WOF

Trusted and Reliable Wellington Mechanics that will Test and Resolve WOF Fails

​Our list below, which is no particular order, covers mechanics who test and resolve WOF fails, located in Wellington. We have selected these mechanics based on their history of longstanding service within Wellington, location and data extracted from internet reviews on Google Business, Facebook, TradeMe Services and others.

No mechanic has paid to appear on this list, and MoneyHub.co.nz has no relationship with any company appearing below.
Wellington Best WOF

Auto Care Kilbirnie

Auto Care Kilbirnie has been providing auto mechanical service and repair to the Wellington region for over 35 years. They are MTA Assured and caters to all types of vehicles, including European brands, classic and racing cars.  

What customers like: 
  • Works fast and efficient  
  • Good client communication  
  • Friendly and approachable staff 
  • Looks after their customers  
  • Upfront about the costs involved and does not overcharge 
  • High-quality work  

Services include, but are not limited to: 
  • Car servicing 
  • Warrant of Fitness inspection  
  • Wheel alignment 
  • Engine management 
  • Transmission check  
  • Clutch repairs 
  • Car air-conditioning 
  • Suspension, brake and radiator repairs 
  • Oil change 
Google Rating: 4.7/5 
Base: Kilbirnie, Wellington 
Contact: 04 387 2105 
Website: Auto Care Kilbirnie 
Wellington Best WOF

Motorworx Service

Motorworx Service is an expert in automotive maintenance of European and Japanese cars. They’ve been operating in the Wellington area for over 20 years and has gained the trust of many car owners, being professional mechanics that can fix anything.  

What customers like: 
  • Honest, trustworthy and reliable mechanics 
  • Provides fair estimates and pricing  
  • Good customer service  
  • Prompt and professional service  
  • Goes the extra mile to help their customers in need  
    ​
Services include, but are not limited to: 
  • Full vehicle servicing  
  • Oil filter and air filter change  
  • Belt replacement 
  • Radiator fluid flush  
  • Brakes check and repair  
  • Power steering fluid flush  
  • Suspension repairs  
  • Air conditioning repairs  
  • Warrant of Fitness  
  • Vehicle grooming   
Google Rating: 5/5 
Base: Mount Cook, Wellington 
Contact: 04 385 0060 
Website: Motorworx Service    ​
Wellington WOF

Brendon Motors Torrens Terrace

Brendon Motors Torrens Terrace is an automotive repair and servicing centre in Wellington. They have six locations scattered across the region that conveniently caters to all type of vehicles. With their team’s vast experience in the industry, they ensure to provide high-quality workmanship to all customers.  

What customers ​like: 
  • Reliable, straight forward and honest 
  • Consistently high quality of work 
  • Provides helpful option and great service  
  • No nonsense mechanics 
  • Notifies on advance before doing anything major  
  • Knowledgeable mechanics  

​Services include, but are not limited to: 
  • Warrant of Fitness 
  • Servicing 
  • Cambelt replacement 
  • Clutch replacement 
  • Gearbox repairs 
  • Transmission repairs  
  • Cooling systems 
  • Wheel Alignments 
  • Tyres 
  • Safety checks 
  • Battery checks and replacements 
Google Rating: 5/5  
Base: Mount Cook, Wellington 
Contact: 04 384 3168 
Website: Brendon Motors Torrens Terrace  ​
Wellington WOF

Access Mobile Mechanics

​Access Mobile Mechanics provides automotive service anywhere within the Greater Wellington. They provide 24-hour service for any mechanical issues in the radiator, starter motors, fan belts, spark plugs, filters and batteries.  

What customers like: 
  • Trustworthy and does not rip off customers  
  • Explains things clearly that needs to be done  
  • Provides helpful options to minimise cost  
  • Keeps the client up to date with all the progress  
  • Committed to making the vehicle work   

​Services include, but are not limited to: 
  • Vehicle servicing 
  • Tune-ups  
  • Warrant of Fitness 
  • General repairs 
  • Tyre change 
  • Electrical system check and repair  
Google Rating: 4.9/5  
Base: Whitby, Porirua 
Contact: 021 876 879   
Website: Access Mobile Mechanics
Wellington WOF

Prop Auto Ltd

Prop Auto Ltd is a family-owned and operated diesel and petrol vehicle repair centre that is conveniently located in the heart of Wellington city. Their operation started in 2009 has since grown as one of the most preferred go-to repair shops in the region.  

What customers ​like: 
  • Takes time to explain the necessary details  
  • Fair and transparent pricing  
  • Provides reliable advice  
  • Friendly and easy to work with  
  • Doesn’t rip customers off  

Services include, but are not limited to: 
  • Mechanical repairs and servicing 
  • Clutch, radiators and brakes repair  
  • Lube, oil and filter servicing  
  • Tyre balancing  
  • Tune-ups  
  • Computer scans  
  • Warrant of Fitness 
Google Rating: 5/5 
Base: Te Aro, Wellington  
Contact: 04 801 8083   
Website: Prop Auto Lt
Wellington WOF

North City Motors Tawa Ltd

North City Motors Tawa Ltd is an Auto Super Shoppe mechanical repairer in Tawa, Wellington. They are MTA assured and have a team of experienced mechanics that deals with all types of vehicles including Audi, Porsche and VW.  

What customers ​like: 
  • Offers good advice and does a great service  
  • Highly competent and professional staff  
  • Fast turn around  
  • Immediately detects the problem with the vehicle  

​Services include, but are not limited to: 
  • Car Servicing 
  • Exhaust and Mufflers 
  • WOF 
  • Brakes, radiator and clutch repair  
  • Suspension/Steering 
  • Cambelt 
  • Air Conditioning 
  • Tyres 
  • Car Batteries 
  • Automatic Transmission 
Google Rating: 4.7/5  
Base: Tawa, Wellington 
Contact: 04 232 3235 
Website: North City Motors Tawa Ltd
Wellington WOF

Broadway Motors Ltd

Broadway Motors Ltd is a mechanical and auto electrical specialists based in Strathmore, Wellington. They cater to both fleet companies and individuals who require vehicle servicing, maintenance and repairs.  

What customers ​like: 
  • Friendly staff and easy to talk to  
  • Work is carried out quickly  
  • Fixes the car on time  
  • Reasonable rates and upfront with everything  
  • Goes the extra mile to help  

​Services include, but are not limited to: 
  • Warrant of Fitness  
  • Corporate and fleet vehicle service maintenance  
  • Auto electrical services  
  • Mechanical repairs and services 
Google Rating: 4.9/5 
Base: Strathmore Park, Wellington 
Contact: 04 939 0416   
Website: Broadway Motors Ltd  ​
Wellington WOF

Wellington European

Wellington European is an MTA Approved automotive repair business based in Mount Cook, Wellington. Ever since they started operating independently, they have been specialising in European car servicing with the aid of their latest diagnostic equipment.  

What customers like: 
  • Has great knowledge of cars 
  • Excellent to deal with  
  • Provides helpful advice  
  • High-quality workmanship  
  • Communicates everything the client has to know  
    ​
Services include, but are not limited to: 
  • Vehicle servicing  
  • WOF inspections  
  • Diagnostic services  
  • Parts and performance upgrades  
Google Rating: 4.7/5  
Base: Mount Cook, Wellington 
Contact: 04 384 8867 
Website: Wellington European ​
Wellington WOF

Car Therapy Centre

Car Therapy Centre has more than 30 years of experience in the automotive industry and has a team of expert mechanics to deal with all vehicle services and maintenance. Car Therapy Centre aims to provide all Wellington motorists with a high-quality service at a reasonable price. 

What customers ​like: 
  • Thoroughly explains the work which will take place  
  • Advises of any additional work before proceeding  
  • Friendly and reliable service 
  • Fast turn around  
  • Reasonable pricing  
  • Conveniently located in a hotel car park  

​Services include, but are not limited to: 
  • WOF inspections  
  • Car servicing 
  • Car repairs  
  • Vehicle diagnostics  
  • New tyres and wheel alignments  
  • Car inspections  
  • Tune-ups  
  • Oil changes  
Google Rating: 4.8/5  
Base: Gilmer Terrace, Wellington 
Contact: 04 472 8279   
Website: Car Therapy Centre

Disclaimer: MoneyHub.co.nz has no relationship, financial or otherwise, with any of the mechanics listed on this page. Quotes and final bills for individual vehicle repairs vary, and our pricing guide is for guidance purposes only.

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