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  • Borrowing against the value of your home

    Found in Housing and property / Borrowing against the value of your home

    If you own a home, you may be able to borrow money if you’ve paid off enough of your loan. The type of loan you get depends on your circumstances.

  • GST rate

    Found in Tax, benefits and finance / Tax / GST rate

    You pay a 15% goods and services tax (GST) on most of your purchases in New Zealand.

  • Become an independent celebrant

    Found in Government A-Z / Births, Deaths and Marriages / Information for marriage celebrants / Become an independent celebrant

    Independent celebrants can perform marriages and civil unions in New Zealand. You must be available to the public — you cannot become a celebrant to perform a one-off ceremony for friends or family.

  • Days in lieu (alternative holidays)

    Found in Work / Public holidays and work / Days in lieu (alternative holidays)

    If you work on a public holiday and it’s a day you usually work, you may get a paid day off you can take later. This is usually called an alternative holiday or a day in lieu.

  • Fines, penalties and losing your licence

    Found in Transport / Driving fines and penalties / Fines, penalties and losing your licence

    You must follow the road rules for your safety and the safety of others when you drive. If you do not, you can be fined or have your driver licence or car taken off you.

  • When you arrive in Australia

    Found in Leaving NZ / Travel or move to Australia / When you arrive in Australia

    If you plan to work and live in Australia, there are things you’ll need to sort out as soon as you arrive, like your tax, healthcare and driver licence.

  • Working for Families payments

    Found in Family and whānau / Financial help for your family / Working for Families payments

    Get help with the costs of raising children with Working for Families tax credit payments. Your payments are worked out based on the information you give Inland Revenue about your income for the year.

  • Income after you turn 65

    Found in Tax, benefits and finance / Managing your money in retirement / Income after you turn 65

    Most people get NZ Superannuation when they turn 65, but there are other sources of income you might use to support yourself. These can affect the tax you pay or benefits you can apply for.

  • Payroll giving

    Found in Tax, benefits and finance / Tax / Payroll giving

    You can donate money to charities and approved organisations directly from your pay.

  • Māori culture and heritage

    Found in History, culture and heritage / Māori language, culture and heritage / Māori culture and heritage

    Māori culture is a big part of NZ’s identity, so respecting, preserving and promoting it is vital.

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