Latest Articles

Lending Money for a Business: How to Help Without Risking Your Retirement

28 Jan 2026

Lending Money for University: How to Help Your Kids Without the Hassle

16 Jan 2026

Your son or daughter needs help with getting set up for Uni You're happy to help, but you want to do it properly. Most Kiwi parents don't realise: how you structure this help today can have significant consequences years down the track.

Your Amico family loan checklist

19 Dec 2025

Your Free family loan checklist: everything to consider before, during, and after lending money to family in NZ.

Why family loans need to be formalised

18 Dec 2025

Informal family loans can become costly during separations or rest home assessments. Learn why a written agreement protects your family's money from unintended claims.

Gift vs loan: understanding the critical difference

12 Dec 2025

Should you gift or loan money to family? Learn when each option makes sense, plus a hybrid approach that offers flexibility and protection for everyone involved.

Estate planning and family loans

1 Dec 2025

Learn how to address loans in your will and avoid conflict between your children. Should family loans be forgiven when you die or repaid to your estate?

What makes a family loan legally binding?

7 Nov 2025

A family loan needs more than a handshake to be legally binding in NZ. Learn the essential elements: written terms, clear amounts, repayment conditions and interest provisions.

Understanding New Zealand's tax rules for family loans

4 Oct 2025

Charging interest on a family loan? Learn the NZ tax rules for RWT, zero-interest loans, and debt forgiveness to avoid unexpected IRD issues.

Protecting your family and your finances

2 Sept 2025

The bank of mum and dad lends over $22.6 billion each year, often informally. Learn why a simple written agreement protects your money, your relationships, and your peace of mind.