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.

How much you can withdraw

You can withdraw

You may be able to withdraw the current value of:

  • your contributions
  • your employer's contributions.
 You can't withdraw

You can't withdraw:

  • the $1,000 kick-start
  • any member tax credits.
You may be eligible for a first home subsidy.

You may also be eligible for a first home subsidy.

How to apply for a first home withdrawal

Contact your KiwiSaver provider.

If you've owned a home before

If you've owned a home before, in some circumstances you may still be eligible to withdraw your savings to buy your home. Housing New Zealand will need to determine that you are in the same financial position as a first home buyer. Contact them on 0800 801 601.