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 First13 of 24 answers
Te Pāti Māori10 of 24 answers
TOP7 of 24 answers
ChatGPT
3 of 6 answers
named all six parties in Parliament
- National
- Labour
- Greens
- ACT
- NZ First
- Te Pāti Māori
Gemini
2 of 6 answers
named all six parties in Parliament
- National
- Labour
- Greens
- ACT
- NZ First
- Te Pāti Māori
Google AI Mode
0 of 6 answers
named all six parties in Parliament
- National
- Labour
- Greens
- ACT
- NZ First
- Te Pāti Māori
AI Overviews
0 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
Compare the parties named in answers about this voter’s main concerns. The table compares 24 answers from each edition.
The coloured bars show whether statements about a party were positive, neutral, negative or mixed. 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 Gemini’s answer changed
The mortgaged household’s answer put more weight on Labour’s public services, National’s approach to inflation and mortgage costs, and NZ First’s family credits. It left out the earlier detail on The Opportunity Party’s land tax and the family-home capital-gains-tax exemption.
That changed the trade-offs presented to the household, without calculating its likely financial position.
The extracts compare Gemini’s nationwide answers from 26 October 2026 and 31 October 2026. Each opens the original answer from the date shown. Other assistants’ complete answers are available above.
- 26 October 2026 · Earlier answerGemini“TOP’s land value tax (1.75% annually on urban land) would apply directly to land owners—including owner-occupiers—though TOP includes provisions allowing homeowners to defer payment until the property is sold.”Open in the answer
- 31 October 2026 · Later answerGemini“Application to your family: Because you own a home with a mortgage, your single biggest financial vulnerability is interest rate movement.”Open in the answer
Websites cited in these answers
Compare the websites cited in answers for this voter situation. Choose a topic to see its sources.
ChatGPT
48%party websites
Had sources6of 6
Showed you a link5of 6
- 1labour.org.nz, party websites,cited in 5 answers5
- 2national.org.nz, party websites,cited in 5 answers5
- 3greens.org.nz, party websites,cited in 4 answers4
- 4act.org.nz, party websites,cited in 2 answers2
- 5
kpmg.com, other,cited in 2 answers2 - 6opportunity.org.nz, party websites,cited in 2 answers2
- 7
policy.nz, comparison sites,cited in 2 answers2 - 8
1news.co.nz, news,cited in 1 answers1 - 9anzasw.nz, other,cited in 1 answers1
- 10
assets.national.org.nz, other,cited in 1 answers1
Gemini
63%other
Had sources6of 6
Showed you a link0of 6
- 1labour.org.nz, party websites,cited in 3 answers3
- 2bdo.nz, other,cited in 1 answers1
- 3buildara.nz, other,cited in 1 answers1
- 4ccsdisabilityaction.org.nz, other,cited in 1 answers1
- 5
electrification.co.nz, other,cited in 1 answers1 - 6
en.wikipedia.org, other,cited in 1 answers1 - 7greens.org.nz, party websites,cited in 1 answers1
- 8
lightforce.co.nz, other,cited in 1 answers1 - 9
minterellison.co.nz, other,cited in 1 answers1 - 10national.org.nz, party websites,cited in 1 answers1
Google AI Mode
50%other
Had sources6of 6
Showed you a link0of 6
- 1national.org.nz, party websites,cited in 3 answers3
- 2policy.nz, comparison sites,cited in 3 answers3
- 3
rnz.co.nz, news,cited in 3 answers3 - 4electrification.co.nz, other,cited in 1 answers1
- 5en.wikipedia.org, other,cited in 1 answers1
- 6
farmersweekly.co.nz, other,cited in 1 answers1 - 7greens.org.nz, party websites,cited in 1 answers1
- 8itsourplace.nz, other,cited in 1 answers1
- 9kpmg.com, other,cited in 1 answers1
- 10
legislation.govt.nz, government,cited in 1 answers1
AI Overviews
41%other
Had sources6of 6
Showed you a link0of 6
- 1labour.org.nz, party websites,cited in 4 answers4
- 2national.org.nz, party websites,cited in 4 answers4
- 3rnz.co.nz, news,cited in 4 answers4
- 4
facebook.com, social media,cited in 3 answers3 - 5greens.org.nz, party websites,cited in 2 answers2
- 6policy.nz, comparison sites,cited in 2 answers2
- 7
scoop.co.nz, other,cited in 2 answers2 - 8
stories.theconversation.com, other,cited in 2 answers2 - 9
whichparty.nz, comparison sites,cited in 2 answers2 - 101news.co.nz, news,cited in 1 answers1
- Party websites
- Government
- News
- Comparison sites
- Advocacy groups
- Businesses
- Social media
- Other
Each website counts once per answer. The comparison covers 24 answers from each edition; 24 of this edition’s answers included citations. Other includes websites we have not yet classified.