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Accessing early

You may be able to withdraw all or part of your savings early if you're buying your first home, emigrating or suffering financial hardship or serious illness.

Buying your first home

If you've been a member of KiwiSaver for 3 years and you're buying your first home to live in yourself, you may be able to withdraw your KiwiSaver savings.

Moving overseas permanently

After you've been overseas for one year you can withdraw your funds from KiwiSaver, if you have moved overseas permanently.

Significant financial hardship

If you can provide evidence that you're suffering significant financial hardship, you may be able to withdraw some of your KiwiSaver savings.

Serious illness

You may be able to withdraw your KiwiSaver savings early in cases of serious or terminal illness, or permanent disability affecting your ability to work.