Our Methodology
Every figure on ValueHub should be one you can act on. This page explains where our data comes from, and what we check before it goes live.
How a figure reaches the page
Original source
Where a provider publishes its own figure, that is the figure we use.
Cross-checked
Each table is compared figure by figure against the providers' own published rates.
Sanity gate
Nothing publishes unchecked. A build that fails the check is blocked, not published.
Stamped
Every rate table carries the date it was last rebuilt.
Interest rates
Our mortgage, term deposit and bond tables are rebuilt every day. Each table is then cross-checked figure by figure against the lenders' and institutions' own published rates. Where our table and the provider disagree, the provider's published rate wins — it is applied to the table the next time it is built.
This check covers every mortgage lender in our table, and the large majority of term-deposit institutions.
What we check
Rates
Mortgage, term deposit and bond tables are rebuilt daily and cross-checked against each provider's own published rates. The provider's figure wins.
The sanity check
No rate table publishes unchecked. Every new table is compared against the last published one before it goes live.
Hand-entered figures
Where an institution's published rates can't be read automatically, we enter them by hand, date each figure, and re-check it at least quarterly.
KiwiSaver funds
For each fund we show the management fee, recent returns, the fund's FMA registration number and its risk indicator. Where a provider publishes its own statutory fund update, we check our figures against it.
Credit ratings
Institution credit ratings come from the Reserve Bank's public register. Ratings are published by three different agencies and the agency is shown with each rating. Ratings are re-reviewed quarterly against the provider's own disclosure statements.
Calculators
Our calculators run on published rates and disclosed defaults, not invented figures. Where a rate underlies a calculator — the RUC rate for EV tools, the average power price, the average petrol price — the source is named, and the figure is reviewed quarterly.
A build is blocked if it shows:
- a participating lender or institution dropping out unexpectedly
- a provider's figures failing to load
- a rate cell arriving blank
- a rate moving by more than a plausible margin
- a minimum deposit or credit rating changing
A blocked build alerts us rather than publishing. Some movements are legitimate — a lender genuinely can reprice by 60 basis points overnight, and a bond genuinely can mature and leave the table — so these are reviewed by a person, not auto-published.
What this doesn't cover
Being checked is not the same as being right for you. We verify figures; we cannot verify that a product suits your circumstances. Everything here is general information.
Corrections
If you think a number is wrong, tell us: office@valuehub.co.nz. We'd rather fix it than defend it.
This page describes how ValueHub produces its own data. It is general information about our process — not financial advice.