Buying guide
Using KiwiSaver for your house deposit: a guide
Here’s how you can use Kiwisaver for your house deposit.
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AI summary
You can use your KiwiSaver savings for a house deposit, which is especially helpful for first-home buyers.
To qualify, you must be a member for at least three years and plan to live in the home. Some previous owners may also be eligible after an assessment by Kāinga Ora. Partners buying together can also apply if they meet the criteria individually.
You can withdraw your contributions, plus employer and government top-ups and earnings, but a $1,000 balance must remain.
What you’ll learn:
How much do you need for a house deposit in NZ?
Using Kiwisaver can make a big difference to your deposit pot.
Can KiwiSaver be used for house deposit? How it works
Who can use KiwiSaver for a house deposit?
You and your spouse can both use your KiwiSaver to contribute to your deposit.
How much KiwiSaver can I withdraw for a home deposit?
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