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Getting my KiwiSaver for my first home


Talk to your KiwiSaver provider and Housing New Zealand about buying your first home.

You must be in KiwiSaver for at least 3 years before you withdraw funds for your first home.

You can take out:

  • your contributions
  • your employer’s contributions
  • the government contribution
  • interest on your KiwiSaver savings.

You must leave $1000 in your account. Funds transferred from an Australian Complying Superannuation scheme cannot be withdrawn.

KiwiSaver HomeStart grant

Depending on whether you're buying an existing home or a new build - you can get up to $10,000 towards buying your first home using the KiwiSaver HomeStart grant.

 HomeStart helps people buy their first home, but if you’ve owned a home before you might still qualify.

Housing New Zealand administers this grant.