# PF007: I'm a tertiary student renting a room, working part time and using a student loan. I am struggling to fit paid work around study. I am considering my vote in the 2026 New Zealand general election. Which parties are offering meaningful changes for renters, and how would their plans affect rent costs, healthy homes and tenancy security?

Collected 19 October 2026

[NZ Election 2026 · Edition 4 study](https://nzbrands.ai/research/nz-election-2026/editions/4)

## ChatGPT

Answer ID: a3f59d50-58eb-4364-b4c0-e8b1feaf3644

# New Zealand 2026 election: renters, rent costs and tenancy rights

As a tertiary student renting a room, working part-time and relying on a student loan, three things are likely to matter most when comparing parties: how much of your income goes on rent, whether your home is warm and healthy, and how secure your housing is if your circumstances change.

It is worth separating three different kinds of promises:

- Lowering rent: policies that could reduce rents directly, increase the supply of affordable rentals, or ease pressure on household budgets.
- Improving rental quality: rules that require landlords to provide warm, dry and safe homes, and how those rules are enforced.
- Protecting tenancy security: rules about ending a tenancy, rent increases, bond disputes and your ability to stay in your home.

A policy can improve one of these without improving the others. For example, a landlord's compliance costs might rise under stronger housing standards, but that does not automatically mean your rent will rise by the same amount. Likewise, making it easier for landlords to end a tenancy may increase flexibility for landlords while making it harder for renters to plan around exams, work and limited income.

I'll compare the parties on those practical effects, distinguishing policies already in force from proposals for the 2026 general election. A party's current record and its future promises are not necessarily the same.

## 1. Which parties are proposing changes to renting?

The Green Party has published a package that directly addresses rent increases, rental standards and eviction security. Labour has put forward a public and social housing building programme. Other parties focus more on housing supply, incentives for landlords, or making it easier to build.

Here is a comparison of the key approaches documented for the 2026 election. The distinction between direct renter protections and policies that may help renters indirectly is important. [Greens announce plan to end homelessness & fix housing crisis](https://www.greens.org.nz/greens_announce_plan_to_end_homelessness_fix_housing_crisis)[Start Work Now](https://www.labour.org.nz/election-policy-pages/start-work-now/)[2026 Election Policy](https://www.national.org.nz/policies)[Policies for Party vote - NZ Election 2026](https://policy.nz/2026/party-vote/policies/housing)

![Green Party NZ (@NZGreens) on X](https://images.openai.com/static-rsc-4/xwoeA3rTn5Pu0UL1uRc6X_g8ADsfUTe55rxQEjXC_rnFR_6TPTr_9eG0LsowNOdFRtax24qB8h-LRfUtZEf42T0CC5OclOZ5katbFJAYxs0cZRyqDBlGNgF_8AV_5WTCbYonGIqLGuK095lLGrkBVw3L8vdsA06tLHVNuCJquuc?purpose=inline)

## Green Party

Rent limits, tenant rights and housing quality

The Greens have proposed a 2% cap on annual rent increases, restoring protection against no-cause evictions, an independently enforced Rental Warrant of Fitness, and tens of thousands of public homes. They also propose reversing landlord tax changes introduced by the current government. [Greens announce plan to end homelessness & fix housing crisis](https://www.greens.org.nz/greens_announce_plan_to_end_homelessness_fix_housing_crisis)[Manifesto 2026](https://www.greens.org.nz/manifesto_2026)

- Rent costs: The cap would limit annual increases, although it would not necessarily make a new tenancy cheaper or reduce today's rent.
- Healthy homes: A Rental Warrant of Fitness would add a further quality check beyond existing Healthy Homes Standards.
- Tenancy security: Reversing no-cause evictions would make it harder to end a tenancy without a permitted reason.

![South Island Election Conference 2026](https://images.openai.com/static-rsc-4/_spFKDBqOMVPoo8r35YLoGFwljs_-WWe4ur9fdZCfekzAxaUPGA75u8rI9uxOUTssI2hUZN1r4Zu1AeDrcNaxz3uHoFIyWjDpanT5s-KJ87QzxSu1uNjNL4MOHSuazRZuTy_TzC6aN4wxHHoyU_DhzMFuMCMjNBTtg2xRxOZL6c?purpose=inline)

## Labour Party

Public housing and housing affordability

Labour's published election plan includes allocating $2.9 billion in capital funding to Kāinga Ora and $745 million in operating funding for additional income-related rent subsidies and operating costs for Kāinga Ora and community housing providers. [Start Work Now](https://www.labour.org.nz/election-policy-pages/start-work-now/)

- Rent costs: More state and community housing could give eligible renters a lower-cost alternative to private rentals. The effect depends on how many homes are delivered and who qualifies.
- Healthy homes: More public housing could provide another route to secure, quality accommodation, but this funding announcement is not itself a new private-rental inspection standard.
- Tenancy security: A larger social housing sector could offer more stable options for eligible households; the cited plan does not establish a new general private-tenancy rent cap or eviction rule.

![Will National Party Finish 2nd in New Zealand's 2026 Election?](https://images.openai.com/static-rsc-4/LCDs4P76HEgfCayafHeSga8GCw12Vxs2fPc3toeyLUZ-wmb6UiGRZY6bhdT1xRejtICfUd6GX2BWmI76EkpoWuffTU4g32bP_qUJp29rsfn5_Zvj5THHSYTLHSoo_5_YQyZ3zKE1WIpB4bu7raRltFl5TZFCgCcE0quf_GohkFI?purpose=inline)

## National Party

Economic growth, building and landlord incentives

National's 2026 policy platform emphasises economic growth, building and its existing approach to housing. Its published election policies also include a student-loan measure aimed at helping graduates keep more of what they earn. [2026 Election Policy](https://www.national.org.nz/policies)[National Party - Party for Party vote - NZ Election 2026](https://policy.nz/2026/party-vote/parties/national-party)

- Rent costs: More housing construction can ease pressure over time if supply grows where people need homes. It is not a direct cap on rent increases.
- Healthy homes: The material reviewed does not establish a new election commitment to an independently enforced Rental Warrant of Fitness.
- Tenancy security: The key comparison is whether the party would retain or change the current tenancy framework; I have not verified a new 2026 commitment to restore no-cause eviction protections.

![New Zealand Legislative Election Winner 2026 Odds | Polymarket](https://images.openai.com/static-rsc-4/jofoEEdOXv6HOQzupGnQLgXlZKKPYTzvN6g4IUMlN6xdqX4l_qH5-Y0A3to5ytO5w95eGsg-WLInlnku5FmW0VEyKqhTiAqcZSbr_Z1e_uNyqacdq4zniDKhRNRugVUCsz1-CYpZeG4nO7sLuQKEQlQMBgJCAoyH3nC76yYHd6E?purpose=inline)

## ACT New Zealand

Property investment and market-led housing

ACT's approach generally emphasises reducing barriers to property investment and construction. A recent coalition policy report describes ACT proposing to let residential landlords offset rental losses against other taxable income again. [Coalition releases policies on housing, fast-track and Auckland](https://www.nbr.co.nz/politics/coalition-parties-policies-on-housing-fast-track-and-auckland/)

- Rent costs: Tax incentives may encourage investment in rental property, potentially adding supply. They do not guarantee landlords will lower rents or pass tax benefits on to tenants.
- Healthy homes: The specific 2026 material reviewed does not confirm a new mandatory rental warrant-of-fitness proposal.
- Tenancy security: Market-oriented policies need to be compared with the current eviction and notice rules; the cited tax proposal alone does not establish a change to those rules.

For a wider cross-party comparison, Policy.nz's [2026 housing policy guide](https://policy.nz/2026/party-vote/policies/housing?utm_source=chatgpt.com) also covers housing quality, renting, housing affordability and social housing. Its listed proposals include a 2% rent-increase limit, an independently enforced Rental Warrant of Fitness, additional social housing, and changes to housing taxes. [Policies for Party vote - NZ Election 2026](https://policy.nz/2026/party-vote/policies/housing)

## 2. What would the policies mean for your weekly budget?

A rent cap, more social housing and a larger rental supply work in different ways. Here is how to think about the likely effect on someone with a tight student budget.

## Example: a 2% annual rent cap

Illustration only, assuming your current weekly rent is $250 and the cap applies to your tenancy.

Current weekly rent

# $250

Maximum after a 2% increase

# $255

Additional weekly cost

## $5

Additional annual cost

## $260

A cap could make budgeting more predictable, but it would not necessarily reduce the rent you already pay. Its actual effect would depend on the policy's rules, exemptions and how it applies to new tenancies. The Greens' proposal is a proposed policy, not a current general 2% limit. [Greens announce plan to end homelessness & fix housing crisis](https://www.greens.org.nz/greens_announce_plan_to_end_homelessness_fix_housing_crisis)[Policies for Party vote - NZ Election 2026](https://policy.nz/2026/party-vote/policies/housing)

### Three ways parties could affect your housing costs

- Rent increases: A legal cap directly limits permitted increases. Without a cap, the amount you pay depends on your tenancy terms and the applicable law.
- More affordable homes: Building public and community housing could offer a cheaper option if you qualify and a suitable home becomes available. Increasing private supply could also ease market pressure, but this may take years.
- More money left after bills: A policy that reduces transport costs, power bills or student debt may help your budget even if it does not change rent itself. Labour's 2026 cost-of-living plan, for example, proposes capped public transport fares and a 10% student-debt reduction subject to its stated eligibility conditions.

For someone who is already balancing shifts and study, the distinction is important: a policy that reduces costs immediately may help this semester, while a new housing development might not affect your options for several years.

## 3. Healthy homes: what changes would matter?

New Zealand already has Healthy Homes Standards for rental properties, covering heating, insulation, ventilation, moisture ingress and drainage, and draught stopping. These are existing legal requirements, not new election promises. See the official [Tenancy Services Healthy Homes guidance](https://www.tenancy.govt.nz/healthy-homes/?utm_source=chatgpt.com).

The main election-policy distinction is between requiring standards and checking that properties actually meet them.

| Policy approach | What it could mean for you |
| --- | --- |
| Existing Healthy Homes Standards | Your landlord must meet the applicable legal requirements. |
| An independently enforced Rental Warrant of Fitness, as proposed by the Greens | A further inspection and compliance mechanism could help identify problems before or during a tenancy. |
| More public and community housing | Could expand access to quality housing, depending on delivery and eligibility. |
| Primarily market-led construction and investment incentives | Could expand rental options, but does not by itself guarantee that every home is warm, dry or properly maintained. |

The practical benefit of stronger enforcement is that a tenant may have a clearer way to identify and challenge substandard housing. The cost and design of the proposed warrant would matter: an inspection system needs workable enforcement, and its introduction would not automatically fix every existing home.

## 4. Tenancy security: the difference between a tenant and a flatmate

This is particularly important because you said you rent a room.

New Zealand tenancy law generally distinguishes between someone who has a tenancy agreement with the landlord and someone who rents a room from a head tenant or a homeowner. The protections can be quite different. [Flatting » Tenancy Services](https://www.tenancy.govt.nz/starting-a-tenancy/flatting/)[Who tenancy law protects » Tenancy Services](https://www.tenancy.govt.nz/starting-a-tenancy/who-is-protected/who-tenancy-law-protects/)

If you are named on the tenancy agreement

The Residential Tenancies Act generally protects you. Under the current rules, landlords can end periodic tenancies with 90 days' notice without giving a reason, or 42 days' notice in specified circumstances. Rent increases generally cannot take effect more frequently than once every 12 months, and at least 60 days' written notice is required. [Ending a periodic tenancy » Tenancy Services](https://www.tenancy.govt.nz/ending-a-tenancy/giving-notice-to-end-tenancy/ending-a-periodic-tenancy/)[Rent increases and reductions » Tenancy Services](https://www.tenancy.govt.nz/rent-bond-and-bills/rent/increasing-rent/)

If you rent a room from a head tenant or a homeowner

You may be a flatmate rather than a tenant. Flatmates are generally not covered by the Residential Tenancies Act, and their rights depend on their agreement with the person they pay rent to. That makes written terms about notice, rent increases, bills and bond money particularly important. [Flatting » Tenancy Services](https://www.tenancy.govt.nz/starting-a-tenancy/flatting/)[Who tenancy law does not protect » Tenancy Services](https://www.tenancy.govt.nz/starting-a-tenancy/who-is-protected/who-tenancy-law-does-not-protect/)

This creates an important limit on what a national rent cap or eviction reform might achieve for you: the exact wording of the legislation would determine whether and how the protections extend to your living arrangement. A policy aimed at landlord–tenant relationships might not automatically cover every informal room-rental agreement.

## 5. Other parties worth checking

Two further parties have housing proposals relevant to affordability, although the measures are different from a direct rent cap.

- Te Pāti Māori: Its published housing policy calls for more public and affordable homes, making it easier to build on Māori and ancestral land, and action against speculation and land banking. These measures could expand affordable housing options, but they do not by themselves establish a general rent cap or a new eviction rule. [Policy](https://www.maoriparty.org.nz/policy)[NZ election 2026: What every party plans for housing, ranked](https://realestate.co.nz/news/property-market-news/market-insights-and-analysis/nz-election-2026-what-every-party-plans-for-housing)
- New Zealand First: Its October 2026 announcement proposes requiring adequate infrastructure, including roads, water and wastewater services, before fast-tracked housing developments are approved. This is principally about how and where housing gets built, rather than direct rent controls or new tenancy protections. [NZFirst Policy Announcement: Changes to Fast-Track Residential Approvals](https://www.nzfirst.nz/nzfirst_policy_announcement_changes_to_fast_track_residential_approvals)

## 6. How to compare the parties against your priorities

Rather than relying on campaign slogans, you can use these questions to assess each party's detailed policies and commitments.

For checking the actual commitments, these sources are useful:

- [Policy.nz — 2026 housing policies](https://policy.nz/2026/party-vote/policies/housing?utm_source=chatgpt.com)
- [Green Party — 2026 manifesto](https://www.greens.org.nz/manifesto_2026?utm_source=chatgpt.com)
- [Labour — 2026 cost-of-living plan](https://www.labour.org.nz/election-policy-pages/2026-election-policy-summary-pages/cost-of-living-plan/?utm_source=chatgpt.com)
- [National — 2026 election policies](https://www.national.org.nz/policies?utm_source=chatgpt.com)
- [Tenancy Services — official renting rights and rules](https://www.tenancy.govt.nz/?utm_source=chatgpt.com)

One detail could materially change this comparison for you: when you say you rent a room, are you named on the tenancy agreement with the landlord, or do you pay a head tenant or homeowner for the room? That distinction affects which tenancy protections you may receive under the current law, and which proposed reforms would be most relevant to you.

## Gemini

Answer ID: d5e4ba95-6425-4b55-b0b5-0e0ac5ee8c2c

Navigating the rental market as a tertiary student working part-time with a student loan is a tough balancing act, especially with cost-of-living pressures. Ahead of the 2026 general election, political parties offer contrasting approaches to housing, tenancy regulations, and the rental market. 

The main political parties' policies map out as follows regarding how they would affect rent costs, tenancy security, and healthy homes:

---

### 1. The Green Party
* **Rent Costs:** Proposes direct intervention by introducing a **cap on rent increases** (e.g., limiting rises to a fixed percentage like 2% per year) to prevent sudden spikes for tenants.
* **Tenancy Security:** Focuses heavily on strengthening renter protections, including **ending "no-cause" evictions** so tenants have greater stability without fear of arbitrary dismissal.
* **Healthy Homes:** Advocates for stricter, mandatory energy-efficiency and minimum quality standards for rental properties, alongside a major state and public housing build programme to reduce reliance on private landlords.

### 2. Labour Party
* **Rent Costs:** Focuses on boosting housing supply—specifically committing to thousands of additional social housing places—and introducing a broad capital gains tax (excluding the family home) to cool speculative investor demand, which they argue drives up housing and rental costs over the long term.
* **Tenancy Security & Healthy Homes:** Generally supports maintaining or strengthening standard tenant regulatory frameworks and upholding Healthy Homes standards, though their primary policy levers center on public housing expansion and tax reform rather than direct rent caps.

### 3. National Party (Current Government)
* **Rent Costs:** Focuses primarily on **supply-side solutions**. National argues that the best way to control rents is to make it easier to build houses through sweeping planning and Resource Management Act (RMA) reforms, zoning changes, and enabling more medium-density housing and granny flats. They contend that increasing private rental supply naturally creates competition between landlords, keeping rent in check.
* **Tenancy Security & Healthy Homes:** National has rolled back certain investor taxes (such as restoring full mortgage interest deductibility) to encourage private landlords to stay in the market, arguing that shrinking the landlord pool hurts rental availability. Their framework leans towards market flexibility rather than heavy-handed tenant regulations.

### 4. ACT Party
* **Rent Costs:** Takes a strongly pro-market, property-rights stance. ACT opposes rent controls, wealth taxes, and capital gains taxes, arguing that these policies discourage investment and ultimately shrink rental supply, pushing rents higher. Their solution is total deregulation of land use and building consents to flood the market with new housing.
* **Tenancy Security:** Favours fewer regulatory restrictions on landlords, emphasizing contractual freedom between landlords and tenants over government-mandated security measures.

---

### Summary: What This Means For You As a Student Renter
* If your priority is **immediate price protection and hard caps on rent increases**, the **Green Party's** platform is explicitly tailored toward direct tenant market interventions and ending no-cause evictions.
* If your priority is **long-term housing affordability driven by a massive surge in building supply**, right-of-centre parties like **National and ACT** focus heavily on cutting red tape so more properties are built, though they offer fewer regulatory protections for tenants.
* **Labour** sits in the middle, attempting to curb property speculation via tax reform while expanding social housing options.

Would you like to explore how these housing policies align with other areas you might care about, such as student support, student loan settings, or part-time employment tax thresholds?

## Google AI Mode

Answer ID: 019c0972-499c-4a60-b50b-23fabc5c6fe4

As a tertiary student balancing a part-time job, a student loan, and the cost of renting a room, housing costs and stability hit your bottom line directly. In the lead-up to the **2026 New Zealand general election** , political parties offer sharply contrasting visions for the rental market.

* * *

**1\. The Green Party ("Pledge to Renters" & Rental WOF)**

The Greens have positioned themselves as the primary party campaigning specifically on comprehensive renter-rights reforms.

 * * **Rent Costs:** They have historically advocated for and supported measures like rent controls or limits on how frequently and steeply rent can be hiked, arguing that runaway rent increases trap low-income earners and students.

 * **Healthy Homes:** They are strongly pushing for an independently enforced **Rental Warrant of Fitness (WOF)**. Under the current system, enforcement relies heavily on tenants risking conflict with landlords or navigating the Tenancy Tribunal. A mandatory WOF would legally require properties to be certified warm and dry _before_ they can be tenanted.

 * **Tenancy Security:** The Greens back policies to end "no-cause" terminations, giving tenants greater security so they don’t fear eviction for asking for repairs. They also support a national register for landlords to increase accountability. [iFindProperty]

 *

**2\. The Labour Party (Tax Shifts & Social/Community Housing)**

Labour’s approach focuses heavily on altering the broader economic incentives of the housing market and scaling up supply rather than direct market-wide rent caps.

 * * **Rent Costs & Market Impact:** Labour has proposed a targeted **28% capital gains tax (CGT)** on residential and commercial investment properties (excluding the family home). The theory is that this reduces the speculative appeal of residential property for investors, potentially cooling house price appreciation and shifting investor focus away from competing heavily with first-home buyers. However, economists debate how directly or quickly this filters down to lower weekly rent for a single rented room.

 * **Healthy Homes & Security:** Labour introduced the original Healthy Homes Standards while in government, but focuses currently on expanding supply—pledging significant financial backing ($4 billion+ in social/community housing frameworks and guarantees) to ease the overall housing shortage. More public and community housing helps relieve pressure at the bottom of the private rental market.

 *

**3\. National, ACT, and NZ First (Supply-Side & Investor-Focused Approaches)**

The parties currently in or aligned with the centre-right government generally favour market-led solutions, private property rights, and reducing regulatory burdens on landlords rather than introducing new restrictions on rent or mandatory independent checks.

 * * **Rent Costs:** Their core philosophy is that the best way to control rent is through increasing overall housing supply (e.g., via aggressive zoning reforms and cutting red tape for building) rather than capping rents, which they argue can inadvertently shrink the rental pool if landlords exit the market.

 * **Healthy Homes & Security:** These parties emphasize maintaining practical flexibility for landlords while supporting compliance with existing baseline building and insulation standards, but generally resist heavy-handed interventions like a universal pre-tenancy Rental Warrant of Fitness or statewide rent controls, framing them as costly administrative burdens that could drive up rents further.

 *

* * *

**How This Intersects with Your Student Reality**

 * * **If you want immediate market intervention (rent caps and proactive healthy home enforcement):** The [Green Party](https://www.greens.org.nz/) package focuses most directly on renters' day-to-day security and legally enforced warm/dry standards via a Rental Warrant of Fitness.

 * **If you prefer structural economic changes to property speculation:** [Labour's](https://www.labour.org.nz/) capital gains tax proposals target property investor incentives alongside a massive injection into community housing supply.

 * **If you lean toward market-supply solutions:** Parties like [National](https://www.national.org.nz/) and [ACT](https://www.act.org.nz/) focus on easing constraints on property developers and boosting private supply to organically stabilise housing costs over time.

 *

You can compare individual electorate candidates and browse full party manifestos interactively on [Policy.nz](https://policy.nz/) to see how these housing positions align with your local electorate. [Policy.nz]

## AI Overviews

Answer ID: f9fba4f0-4644-468f-a200-a1826f8d7705

As a student balancing part-time work and study, housing policies can significantly impact both your wallet and your quality of life. For the **2026 New Zealand general election** , the major political parties offer vastly different visions for renters, split primarily between increasing regulation to directly protect tenants and deregulating to increase supply.

Here is how the main parties’ policies stack up across your key concerns:

Rent Costs

 * **The Green Party** is proposing the most direct intervention by placing a **2% annual cap on rent increases**. They also plan to fund tens of thousands of new public homes to ease demand pressure.
 * **Labour** focuses on indirect cost relief and expanding the rental supply. They have committed to building at least **6,000 more social housing places** over four years and introducing a **28% Capital Gains Tax (CGT)** on residential investment properties sold for profit (excluding the family home) starting July 2027 to curb property speculation. [I Ranked Every Party's Property Policy \[NZ Election 2026\]](https://www.youtube.com/watch?v=XOumSfPWKXA)NZ election 2026: What every party plans for housing, rankedWhere NZ political parties stand on housing ahead of the
 * **ACT and National** argue that heavy regulation drives up rent. **ACT** plans to remove the loss ring-fencing rule for rental properties, claiming it will save households an average of $210 a year. Both parties support the full restoration of mortgage interest deductibility for landlords to lower operational costs, which they argue will naturally keep rents lower through increased competition.

Healthy Homes (Warmth and Quality)

 * **The Green Party** wants to establish an **independently enforced Rental Warrant of Fitness (WoF)**. This would replace the current system where landlords self-certify compliance, introducing steeper fines for landlords who fail to meet standards.
 * **Labour** supports maintaining and strengthening the existing Healthy Homes Standards (covering heating, insulation, and ventilation) which they introduced, but stops short of a full independent WoF regime.
 * **National and ACT** generally oppose expanding these regulations, labeling them as regulatory overreach. National has historically extended compliance timelines, arguing that forcing compliance costs onto landlords ultimately gets passed down to tenants through higher rent.

Tenancy Security (Leases and Evictions)

 * **The Green Party and Labour** advocate for maximum security for renters. The Greens' proposed Renters' Rights Bill would **ban "no-cause" evictions** permanently. They also intend to launch a national register of landlords and property managers to increase operational transparency.
 * **National and ACT** favor property owner flexibility. The National-led government brought back **90-day no-cause terminations** and ended the rule that automatically rolls fixed-term tenancies into periodic ones. They argue that making it easier for landlords to end tenancies actually helps students and low-income renters, as landlords will be more willing to take a chance on tenants with limited rental histories. youtube.com

Party Policy Overview

Party| Rent Costs Strategy| Healthy Homes Position| Tenancy Security Stance
---|---|---|---
**Greens**| **Direct Intervention:** 2% annual rent increase cap| **High Regulation:** Independent Rental WoF| **High Security:** Bans no-cause evictions
**Labour**| **Speculation Curb:** 28% Capital Gains Tax on investment properties| **Standard Enforcement:** Maintain and support current Healthy Homes rules| **Moderate-High Security:** Favors restricted eviction rules
**National**| **Market-Led:** Supply growth and landlord tax relief to lower prices| **Minimal Intervention:** Opposes extra rules to prevent rent hikes| **Landlord Flexibility:** Supports 90-day no-cause evictions
**ACT**| **Deregulatory:** Remove loss ring-fencing to lower costs| **Opposed:** Views landlord regulations as overreach| **High Flexibility:** Favors fewer tenancy restrictions

If you want to look deeper into the specific wording of these policies, you can compare the full party manifestos directly on the Policy.nz Housing Guide.

To help narrow this down, would it help to see how these parties plan to change **student loans and allowances** , or are you more interested in how their **public transport policies** could cut your commuting costs?