New Zealand Finance is an independent personal-finance information site built for Kiwis. We publish clear, plain-English guides and comparisons to help New Zealanders make more informed decisions about loans, mortgages, KiwiSaver, insurance, credit, savings and business finance — grounded in the NZ financial landscape and the rules that actually apply here.
Our mission
To make everyday financial decisions easier for New Zealanders — by explaining how NZ financial products, rates and rules work in accurate, jargon-free terms, so you can weigh your options and then apply directly with the provider of your choice.
What we cover
- Personal loans — rates, terms and eligibility from NZ lenders
- Home loans & mortgages — fixed vs floating, LVR, first-home-buyer guides
- KiwiSaver — fund types, contributions and withdrawal rules
- Savings & term deposits — how to find competitive rates
- Credit scores — how to check, understand and improve yours
- Insurance — life, health, car and home cover in NZ
- Tax & budgeting — PAYE, income tax and everyday money guides
- Business finance — loans, asset finance and working capital
How we make money
New Zealand Finance is free to use. We earn revenue through referral and affiliate partnerships — when you click certain links and take out a product, we may receive a commission at no extra cost to you. Some featured providers are commercial partners. We aim to keep our information accurate and useful regardless, but you should always confirm details directly with the provider. See our full disclosure for how this works.
Who’s behind the site
[Replace with the real, truthful description of who runs the site. Examples, depending on reality:]
- If one person: “New Zealand Finance is independently run by [name], based in New Zealand.”
- If a small team: “New Zealand Finance is run by a small independent team based in New Zealand.”
- If content is AI-assisted: consider a line such as “Our guides are researched from primary NZ sources and produced with the help of AI tools, then checked against official data before publishing.” (Disclosing AI assistance is increasingly expected and builds trust.)
[Only name a “lead author” or claim professional financial-services experience if that is genuinely true of a real, identifiable person.]
Our commitment to accuracy
Financial information in New Zealand changes often, so we work to keep our content current and to correct errors promptly. Our guides draw on primary sources — the Reserve Bank (RBNZ), Inland Revenue (IRD), the Financial Markets Authority (FMA), and providers’ own published information. If you spot something wrong or out of date, please tell us via our contact page — we genuinely want to fix it.
An important note
New Zealand Finance provides general information only — not personalised financial advice, as defined under the Financial Markets Conduct Act 2013. For advice tailored to your situation, please consult a licensed financial adviser; you can find one through the FMA.
Frequently asked questions
Is New Zealand Finance a bank or lender?
No. We’re an independent information and comparison site. We don’t issue loans, take deposits, or give personalised advice — we help you understand and compare your options so you can apply directly with the provider you choose.
Is the information regulated financial advice?
No — it’s general information only, and doesn’t constitute regulated financial advice under the FMC Act 2013. For personalised advice, speak with a licensed financial adviser (find one at fma.govt.nz).
How often is content updated?
We update our content when NZ rules, rates or figures change — for example after the Budget, RBNZ OCR decisions, or changes to KiwiSaver, tax or lending rules — and we welcome reader corrections. [State a review cadence you’ll genuinely keep, rather than a schedule you won’t.]
