This rates cap is popular politics, no doubt, and local government needs a good kick in the pants. 

But does a 2-4% band simply mean we're going to pay more in other fees? 

Rates aren't the only way these guys make money off us, we also pay for specific things like resource and building consents, LIM requests, dog registrations and campgrounds. 

Will hairdressers have ot pay more to register under the Health Act (yes. this is a thing, and in Kaipara, for example, it'll cost your business $423 bucks thank you very much).

Will we pay more for a burial plot at the local cemetery? That's another fee. 

Will we pay more to register out dogs? 

The options are endless. 

Waikato District Council has a document setting out the fees it whacks ratepayers with. It's 45 pages long. Four five!

The government make take a revenue lever away from council with one hand, but councils will no doubt get creative and hit us up from another angle. 

Actually, this is exactly what the government has itself been doing. 

We're seeing the rise of  the fee. 2026 will be the year of the fee. 

Yes, the coalition may have cut taxes, but they're also overseeing one the biggest hikes in fees and charges of any government in recent history. 

Road user charges, user-pays, road tolls, congestion charging is coming, fines are going up, immigration fees, airport fees. 

You name it, chances are it's heading north. 

Its a strategy. The top line number comes down, but all the little bits they hope we won't notice go up. 

Councils will be no different. Add in the Water Done Well fee, which will be massive in some places, and the reality is that no ratepayer will feel like they're getting a batter a deal post-cap-band.

The question is whether this a reason not to do it. And the answer is probably not. 

But it should come with tempered expectation that we won't feel fleeced when the council emails those pesky quarterly rates bills or charges you for sending a hard copy by snail-mail!