Non-cash assets

These are assets that you and your partner have that cannot easily be converted into cash, eg:

• your house and the land it's on
• personal effects (eg bed, couch, fridge)
• the vehicle that you use for day-to-day transport (eg, your car)
• a caravan, boat or other vehicle that either:
  • has a net equity less than $2,000
  • is used by you, or a member of your family, for day-to-day accommodation
• a bank overdraft
• funds held in Kiwisaver and other retirement scheme accounts
• Maori land where the title is in tribal trust and individual ownership can't be identified.