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KiwiSaver Withdrawal

What is a KiwiSaver First Home Withdrawal?

If you’ve been a KiwiSaver member for at least three years, you may qualify to use part (or most) of your savings to help buy your first home.

What Can You Withdraw?

  • Your contributions (what you’ve put in)
  • Employer contributions (what your employer has added)
  • Investment earnings (growth on your savings)
  • Government contributions (annual tax credits)

Key Condition:

You must leave at least $1,000 in your KiwiSaver account—the rest can go toward your home purchase.

This withdrawal can give your first home purchase a significant boost! 🏡

Would you like help checking eligibility or understanding the application process?

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What is a KiwiSaver First Home Withdrawal?
What Is KiwiSaver

What Is KiwiSaver

KiwiSaver: Secure Your Financial Future

KiwiSaver is a voluntary savings scheme designed to help you build a strong financial foundation for retirement. Over time, your contributions grow, forming a significant portion of your retirement savings. Additionally, in certain cases, you may be able to use your KiwiSaver funds to purchase your first home.

There are a range of KiwiSaver funds available, each with different risk and return profiles. The best option for you depends on your financial goals, time horizon, and comfort with risk. To find the right fit, book an appointment with one of our KiwiSaver specialists today.

How KiwiSaver Works

KiwiSaver is a long-term savings plan that helps you grow your retirement fund through regular contributions. Here’s how it works:


  • Your Contributions: You save a percentage of your income (usually 3%, 4%, 6%, 8%, or 10%), deducted directly from your pay. You can also make voluntary lump-sum payments at any time.
  • Employer Contributions: If you’re employed, your employer adds an extra 3% of your before-tax salary to your KiwiSaver account.
  • Government Contributions: To boost your savings, the government matches 50 cents for every dollar you contribute, up to 521.43per year (as long as you contribute at least 1,042.86 annually).

These employer and government contributions make KiwiSaver a powerful way to grow your savings faster than you could on your own.

How KiwiSaver Works
Plan for a Brighter Retirement

Plan for a Brighter Retirement

When it comes to retirement savings, one rule stands true: the earlier you start, the better off you’ll be. It’s not always easy—especially when you’re focused on today’s goals and dreams—but time is your greatest ally. By starting now, even with small contributions, you give your savings more time to grow, helping you build a more comfortable and secure future.

Ready to take the next step? Let’s talk—we’ll help you find a KiwiSaver plan that fits your lifestyle and retirement goals.

Is Your KiwiSaver Still Working for You?

Life changes – and so should your KiwiSaver. When was the last time you checked if your scheme still aligns with:

  • Your current financial goals?
  • Your comfort with risk?
  • Your stage in life?

What made sense when you first joined may not be the best fit today. A quick review could help ensure your savings are on track for the future you want.

Let’s make sure your KiwiSaver is keeping up with you.

Is Your KiwiSaver Still Working for You?

Financing Dreams,
Securing Homes.

At Mega Finance, we understand that every financial journey is unique. That’s why we offer tailored guidance to help you achieve your financial goals. Whether you’re planning for retirement, saving for your child’s education, or looking to invest, our expert advisers provide personalized strategies to meet your specific needs.

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Investing in an investment property is a significant financial decision, and partnering with the right mortgage provider is crucial to achieving success. With Mega Finance, you can trust that you’re in good hands as you embark on your real estate investment journey. Contact us today to learn more about our investment property financing options and start building your investment portfolio with confidence.

Frequently Ask Questions

An investment property is real estate purchased with the intention of generating income, either through rental income, capital appreciation, or both.

Owning an investment property can provide a steady stream of rental income, build equity over time, and serve as a hedge against inflation. Additionally, it offers potential tax advantages and diversifies your investment portfolio.

Financing options for investment properties include traditional mortgages, investment property loans, home equity loans, and cash-out refinancing. Mega Finance can help you explore the best financing options based on your financial situation and investment goals.

Factors to consider include location, property type, rental market conditions, potential rental income, property taxes, insurance costs, and ongoing maintenance expenses. Mega Finance can provide valuable insights and guidance to help you make informed decisions.

Residential investment properties are typically single-family homes, condominiums, or multi-family dwellings rented out to individuals or families. Commercial investment properties include retail spaces, office buildings, and industrial properties leased to businesses.

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