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
Thinking of buying your first home? You can use your KiwiSaver to help fund your deposit. To be eligible, you must have been a member for at least three years and intend to live in the property.
You can withdraw most of your funds, including employer and government contributions, but must leave a minimum balance (often $1,000). While mainly for first-home buyers, some previous owners may qualify after contacting Kāinga Ora. Always check with your specific KiwiSaver provider to confirm their rules.
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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