Wills in New Zealand: A Simple Guide
A will is a legal document that explains what you want to happen to your things after you die. Your “things” can include money, property, personal items, pets, and anything else you own. A will also lets you say who you want to look after your children, and who you trust to carry out your wishes. Having a will makes things much easier for your whānau at a difficult time, because they don’t have to guess what you wanted.
Why Having a Will Matters
A will gives you control over what happens to your belongings. Without one, the law decides who gets what, and this might not match what you would have chosen. A will also helps avoid stress, confusion, and disagreements among family members. It’s a simple way to make sure the people and causes you care about are looked after.
Key People in a Will
There are a few important roles to understand:
Executor: The person you choose to carry out your wishes. They handle your property, pay any debts, and make sure everything in your will is followed.
Beneficiaries: The people or organisations who will receive your belongings.
Guardian: If you have children under 18, you can name someone to care for them if you die.
Choosing people you trust for these roles is important, because they will be responsible for managing your estate.
What You Can Put in a Will
Your will can include:
Who gets your money, property, and personal items
Who you want to care for your children
Instructions for your funeral or tangi
What should happen to pets
Any special gifts or donations you want to make
You can keep your will simple or include more detail — it’s completely up to you.
How to Make a Will
A will must be written down, signed by you, and witnessed by two people who are there at the same time. The witnesses cannot be people who will benefit from your will. You can make a will through:
A lawyer
A trustee company (like Public Trust)
An online will‑making service
A DIY will kit (you can buy these from bookshops)
Getting legal advice is helpful, especially if your situation is complicated, but many people can make a simple will easily and affordably.
Keeping Your Will Up to Date
Life changes — relationships, children, property, and finances can all shift over time. It’s a good idea to review your will every few years or after major life events like marriage, separation, or buying a home. You can change your will at any time by making a new one.
What Happens If You Don’t Have a Will
If you die without a will, this is called dying intestate. The law sets out who gets your belongings, and it may not be what you would have chosen. It can also make things harder and slower for your family.
The Loft Can Help
The Loft is here to help you find the right support when you need it. While we can’t create a will for you or provide legal advice, we can point you toward trusted services that can. Our team can connect you with community organisations, legal professionals, and practical resources so you feel supported and informed as you take your next steps.