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  Getting my KiwiSaver funds for my first home

Conditions surrounding withdrawing from your KiwiSaver account for your first home and the KiwiSaver HomeStart grant.
First-time buyers.

Talk to your KiwiSaver provider and Kāinga Ora - Homes and Communities 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 withdraw:

  • your contributions
  • your employer’s contributions
  • the government contribution
  • interest you have earned
  • fee subsidies (if you got these).

You must leave $1,000 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 Funds transferred from an Australian Complying Superannuation scheme cannot be withdrawn.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.

Kāinga Ora - Homes and Communities administers this grant.