England, having already secured the series with wins in the first two Tests, succumbed to a crushing defeat after being bowled out for 234 while chasing an improbable 658 runs.
Captain Ben Stokes, nursing a left hamstring injury, opted not to bat, hastening England’s collapse.
Despite a determined pre-lunch resistance, England lost their final three wickets in just 12 deliveries for the addition of three runs. Mitchell Santner starred with the ball, taking 4-85, and earned Player of the Match honours as New Zealand celebrated their biggest-ever win by runs and handed England their fourth-worst defeat by the same margin.
Tim Southee, retiring after a remarkable career, took his 391st Test wicket—second only to Sir Richard Hadlee among New Zealanders—while Jacob Bethell continued his impressive debut series with a gritty 76.
Joe Root contributed 54, but Harry Brook, so instrumental in England’s earlier wins, fell cheaply to Will O’Rourke, whose rising delivery showcased his growing reputation.
Gus Atkinson provided a brief spark with a rapid 43, but his departure signalled the end.