If you would like more information, or you just want to check to see if we can provide a better proposal, use our online enquiry form or contact us on:

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A KiwiSaver First Home Savings Withdrawal can help you buy your own new home and add to your deposit.

If you have been contributing to KiwiSaver for 3 years you may now be eligible to withdraw some or all of your KiwiSaver savings other than the $1,000 initial kick start and the Government contributions.


Did you know that the KiwiSaver savings withdrawal includes your contributions, your employer’s contributions and any returns whilst the funds have been invested. If you and your partner both qualify for a Savings Withdrawal, then these amounts can be combined.

This could add a significant amount to your deposit and make you eligible for a home loan.

It is important though to be aware that a withdrawal from your KiwiSaver account may impact on your long term savings plan. This must be discussed by you with your Investment Adviser as KiwiSaver is an Investment product and the Financial Advisers and staff of First Rate Mortgages Ltd are not  able to provide advice on Investments. 

The Key Points to be eligible for a KiwiSaver First Home Savings Withdrawal:

  • You have to have been a KiwSaver member for 3 or more years or a member of a complying fund.
  • You are buying your first home, to live in, not an investment property.

In some circumstances you may be eligible if you’ve owned a home before.

So if you are looking to increase your deposit to help you buy your own home and think that you may be eligible for a First Home Savings Withdrawal, it costs nothing to ask!


Contact us for more information
or Freephone Allan on 0800 178 728

NOTE: This website is operated by First Rate Mortgages Limited and is not endorsed by, or affiliated with, New Zealand government or Inland Revenue. First Rate Mortgages Limited is using the KiwiSaver trade mark and logo under licence from Inland Revenue. To view the official KiwiSaver government website click here.

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