Corrections and change log
Everything that has changed on FinLab, when it changed, and the figures we are deliberately not publishing yet.
A calculator is only worth as much as its willingness to be wrong in public. This page is the record: every correction, every scheduled re-check of the underlying rates, and every figure currently held back because the sources disagree. Nothing is removed from it once published.
Corrections issued
A correction means a figure or statement was wrong and has been fixed. Routine verification, where a rate is re-read against its source and turns out to be unchanged, is logged further down as data rather than counted here.
Guide publication dates were wrong in structured data
Every guide reported the rules-verification date as its publication date. Guides written in August therefore claimed to have been published in July — before they existed. Each guide now carries the date it actually went live, and its last-updated date can no longer fall before that.
Figures held back
Where a number cannot be confirmed against a primary source, FinLab shows nothing rather than a best guess. These are the figures currently withheld and why.
First Home Loan lender's mortgage insurance premium
Published sources conflict on the current premium — the long-standing 1.2% against reports of a reduction. Until a primary Kāinga Ora source settles it, the figure is stored but suppressed everywhere on the site, including the first-home calculator. The deposit and income settings on the same record were confirmed and are in use. Kāinga Ora First Home Loan
First Home Grant
The grant closed to new applications on 22 May 2024 and has no replacement. FinLab models it nowhere, and any guide mentioning a first-home grant is describing history rather than money you can apply for. Beehive release
Change log
Guide publication dates were wrong in structured data
Every guide reported the rules-verification date as its publication date. Guides written in August therefore claimed to have been published in July — before they existed. Each guide now carries the date it actually went live, and its last-updated date can no longer fall before that.
Eight further guides published
Second jobs and secondary tax, the limits of take-home pay models, the KiwiSaver withdrawal application process, when KiwiSaver cannot be used, proving income to a bank, bonuses and overtime, fixed-rate break fees, and low-deposit lending.
Fourteen guides published
Tax codes, student loan repayments, KiwiSaver contribution rates, the independent earner tax credit, saving a deposit, the Kāinga Ora First Home Loan, buying with a partner, purchase costs beyond the deposit, what banks count as debt, serviceability testing, fixed versus floating, mortgage terms, offset accounts, and the payslip-to-home-loan path.
Scheduled re-check of every rate and threshold
Income tax brackets, the ACC earners' levy, KiwiSaver rates, the student loan rate and threshold, and the Reserve Bank's DTI and LVR settings were each re-read against their official source and their verification dates updated. No figure changed as a result.
Effective dates added to the first-home rules
The KiwiSaver first-home withdrawal rules were dated to the Taxation (KiwiSaver HomeStart and Remedial Matters) Act 2015, in force 1 April 2015, rather than left undated. The reference pages were published at the same time so every rate is browsable with its source.
FinLab launched
Four calculators — take-home pay, KiwiSaver first-home withdrawal, borrowing range and mortgage repayments — each reading from versioned rule files that carry an effective date, an official source link and the date the figure was last checked.
Reporting something that looks wrong
Email the contact address with the calculator or guide, the figure you think is wrong, and the official source you compared it against. Confirmed errors are fixed in the rule files, deployed, and added to this page with the date. The methodology page explains how the underlying data is maintained.
Three things are not errors: a bank or provider reaching a different decision, because their internal criteria differ from published rules; an editable assumption such as an interest or stress-test rate, which is a starting point rather than a claim about the market; and an estimate turning out not to match a final offer, because FinLab produces estimates and not approvals.
Last updated · 24 July 2026
Every rate on the site is listed with its source and verification date on the reference pages.