Money & finance in New Zealand
MoneyGuru compares finance products from a panel of New Zealand banks, non-bank lenders and investment providers across eight categories. Pick the product you are researching, read the overview, then request a quote — mortgage, property-finance, KiwiSaver and investment enquiries are referred to Evolve Group Limited (FSP711891).
Mortgages
Home loans for first-home buyers, movers and refinancers. Compare fixed and floating rates, structure options and lender criteria across NZ banks and non-bank lenders.
Compare mortgages →KiwiSaver
KiwiSaver providers and fund types — defensive, conservative, balanced, growth and aggressive — with fee, performance and member-services trade-offs explained in plain English.
Compare kiwisaver →Credit cards
Low-rate, rewards, cashback, balance-transfer and travel cards from NZ issuers. Compare interest rates, annual fees, rewards rates and interest-free periods.
Compare credit cards →Personal loans
Unsecured personal loans for debt consolidation, car purchases, home improvements and one-off costs. Compare interest rates, establishment fees and loan-term flexibility.
Compare personal loans →Asset-based loans
Lending secured against assets such as vehicles, equipment or invoices. Often used by self-employed borrowers and businesses where standard income-based criteria do not fit.
Compare asset-based loans →Investment property finance
Lending for buy-to-let and investment portfolios. Different deposit rules, interest-only structures and tax treatment apply compared with owner-occupier mortgages.
Compare investment property finance →Property development finance
Construction, development and bridging finance for residential and small commercial projects. Drawdowns, presale requirements and exit strategies are the key levers to compare.
Compare property development finance →Shares & investing
NZX and overseas share investing through NZ brokers and platforms. Compare brokerage, FX charges, available markets and tax treatment for PIE versus direct holdings.
Compare shares & investing →How MoneyGuru compares finance products
Each product page lists the NZ providers on our panel, explains how the product is priced and structured locally, and walks through the trade-offs that matter — fixed versus floating rates on mortgages, fee versus performance on KiwiSaver funds, rewards versus rate on credit cards, and so on. We do not display ratings or rankings that imply one provider is the right choice for every household.
Personal-finance quotes are referred to Evolve Group Limited (FSP711891), which covers mortgages, property finance, KiwiSaver, investments and personal-lines insurance. Read the full disclosure on our disclaimer page.