Voter S05 · one of 32 voter situations
Working household under mortgage pressure
“We own a home with a mortgage, have school-age children and rely on two wages. After mortgage payments, rates, power and groceries, there is little buffer.”
- questions written for them
- 6
- answers collected
- 24
- AI assistants
- 4
- asked nationally
- NZ
What this voter asked
Open a question to read each assistant's complete answer, including any answer asked from a location.
Question 23
Cost of living
We own a home with a mortgage, have school-age children and rely on two wages. After mortgage payments, rates, power and groceries, there is little buffer. I am considering my vote in the 2026 New Zealand general election. What are the parties proposing about household costs, and which proposals would actually apply to a working family like ours?
Question 24
Tax and public spending
We own a home with a mortgage, have school-age children and rely on two wages. After mortgage payments, rates, power and groceries, there is little buffer. I am considering my vote in the 2026 New Zealand general election. How would party tax and family-support plans change the finances of a two-income family?
Question 25
Economy
We own a home with a mortgage, have school-age children and rely on two wages. After mortgage payments, rates, power and groceries, there is little buffer. I am considering my vote in the 2026 New Zealand general election. How much control can a government really have over mortgage rates, and what are the parties promising about economic stability?
Question 26
Fuel and energy
We own a home with a mortgage, have school-age children and rely on two wages. After mortgage payments, rates, power and groceries, there is little buffer. I am considering my vote in the 2026 New Zealand general election. Which parties have credible plans for electricity prices and supply?
Question 27
Education and childcare
We own a home with a mortgage, have school-age children and rely on two wages. After mortgage payments, rates, power and groceries, there is little buffer. I am considering my vote in the 2026 New Zealand general election. How do parties differ on school funding, learning support and costs that families pay themselves?
Question 28
Infrastructure and local services
We own a home with a mortgage, have school-age children and rely on two wages. After mortgage payments, rates, power and groceries, there is little buffer. I am considering my vote in the 2026 New Zealand general election. What would national party policies change about local rates and water costs, and what remains a council decision?
Which parties appeared in the answers
The figures count names in the 24 answers recorded for this situation. Naming a party does not mean recommending it.
Answers naming each party, out of 24
National24 of 24 answers
Labour21 of 24 answers
Greens20 of 24 answers
ACT19 of 24 answers
NZ First17 of 24 answers
Te Pāti Māori10 of 24 answers
TOP8 of 24 answers
ChatGPT
2 of 6 answers
named all six parties in Parliament
- National
- Labour
- Greens
- ACT
- NZ First
- Te Pāti Māori
Gemini
3 of 6 answers
named all six parties in Parliament
- National
- Labour
- Greens
- ACT
- NZ First
- Te Pāti Māori
Google AI Mode
2 of 6 answers
named all six parties in Parliament
- National
- Labour
- Greens
- ACT
- NZ First
- Te Pāti Māori
AI Overviews
1 of 6 answers
named all six parties in Parliament
- National
- Labour
- Greens
- ACT
- NZ First
- Te Pāti Māori
Party names across this voter’s topics
Each row is one of this voter's topics. Each column is a party. The figure shows how often the party was named in the answers.
This table shows the answers recorded on 26 October. The coloured bars summarise how statements about each party were assessed; select a figure to read the extracts.
Showing all four assistants · 24 answers
| Topic | National | Labour | Greens | ACT | NZ First | Te Pāti Māori | TOP |
|---|---|---|---|---|---|---|---|
| Cost of living | |||||||
| Tax and public spending | |||||||
| Economy | |||||||
| Fuel and energy | |||||||
| Education and childcare | |||||||
| Infrastructure and local services |
How the main answer changed
The mortgage-household answer kept its distinction between owner-occupier and landlord tax treatment and explained that family assistance depends on income. It omitted the earlier explanation of how the Official Cash Rate differs from a bank’s mortgage rate.
It did not calculate a mortgage saving or establish what assistance this household would receive.
The extracts compare the main Gemini answer on 23 and 26 October. Each opens the original answer from its own date. Other assistants' complete answers are available above.
- 23 October 2026 · Earlier answerGemini“Interest Rates and the Mortgage: None of the political parties directly set the Official Cash Rate (OCR) or mortgage interest rates, as monetary policy is independently managed by the Reserve Bank of New Zealand (RBNZ).”Open in the answer
- 26 October 2026 · Later answerGemini“For a two-wage family with school-age children, this directly targets your disposable income, though eligibility depends on your combined household income thresholds under Working for Families rules.”Open in the answer
The sources behind these answers
The websites recorded with each assistant’s answers for this voter. Choose a topic to see its sources.
ChatGPT
50%other
Had sources6of 6
Showed you a link6of 6
- 1national.org.nz, party websites,cited in 6 answers6
- 2labour.org.nz, party websites,cited in 5 answers5
- 3act.org.nz, party websites,cited in 3 answers3
- 4greens.org.nz, party websites,cited in 3 answers3
- 5
interest.co.nz, other,cited in 2 answers2 - 6
kpmg.com, other,cited in 2 answers2 - 7
stories.theconversation.com, other,cited in 2 answers2 - 8thekaka.substack.com, other,cited in 2 answers2
- 9
1news.co.nz, news,cited in 1 answers1 - 10
assets.national.org.nz, other,cited in 1 answers1
Gemini
52%other
Had sources6of 6
Showed you a link0of 6
- 1national.org.nz, party websites,cited in 4 answers4
- 2
whichparty.nz, comparison sites,cited in 3 answers3 - 31news.co.nz, news,cited in 1 answers1
- 4
bnz.co.nz, other,cited in 1 answers1 - 5buildara.nz, other,cited in 1 answers1
- 6
education.govt.nz, government,cited in 1 answers1 - 7interest.co.nz, other,cited in 1 answers1
- 8
nzpf.ac.nz, other,cited in 1 answers1 - 9
powercompare.co.nz, other,cited in 1 answers1 - 10
pwc.co.nz, other,cited in 1 answers1
Google AI Mode
52%other
Had sources6of 6
Showed you a link0of 6
- 1
nzherald.co.nz, news,cited in 3 answers3 - 2
policy.nz, comparison sites,cited in 2 answers2 - 3
rnz.co.nz, news,cited in 2 answers2 - 41news.co.nz, news,cited in 1 answers1
- 5
community.scoop.co.nz, other,cited in 1 answers1 - 6
elections.nz, government,cited in 1 answers1 - 7
en.wikipedia.org, other,cited in 1 answers1 - 8
harcourts.net, other,cited in 1 answers1 - 9kpmg.com, other,cited in 1 answers1
- 10labour.org.nz, party websites,cited in 1 answers1
AI Overviews
41%other
Had sources6of 6
Showed you a link0of 6
- 1greens.org.nz, party websites,cited in 5 answers5
- 2
facebook.com, social media,cited in 4 answers4 - 3national.org.nz, party websites,cited in 4 answers4
- 4rnz.co.nz, news,cited in 4 answers4
- 5labour.org.nz, party websites,cited in 3 answers3
- 6nzherald.co.nz, news,cited in 3 answers3
- 7whichparty.nz, comparison sites,cited in 3 answers3
- 8kpmg.com, other,cited in 2 answers2
- 9stories.theconversation.com, other,cited in 2 answers2
- 10act.org.nz, party websites,cited in 1 answers1
- Party websites
- Government
- News
- Comparison sites
- Advocacy groups
- Businesses
- Social media
- Other
Sources count once per answer. Citations were recorded in 24 of this voter’s 24 answers. Visible links are counted separately. Other includes websites we have not yet classified.