You are able to withdraw your KiwiSaver contributions, your employer’s contributions, any returns on investment and any member tax credits (you must leave a minimum balance of $1,000.00 in your account) if;


  • You have you been a member for 3 years or more?


  • You are buying your first home.


Is this your second home?


You may still qualify. If Housing New Zealand determine you are in the same financial position as a first home buyer.






  • You are able to apply for this if;
  • You are over 18.
  • You are a first time home buyer.
  • You are a member of Kiwisaver (or other complying fund).
  • You have made minimum member contributions for the last three years.
  • If you are buying on your own, your income is less than $85,000.00 gross per annum.
  • If two of you are buying, your combined income is less than $130,000.00 gross per annum.
  • You have a 10% deposit (this can include your Kiwisaver funds and this HomeStart Grant and gifts from family members).
  • You are buying one of the following property Title arrangements; 
    • Fee Simple (usual)
    • Stratum Estate (A unit)
    • Cross – Lease (cross lease)
    • Leasehold (Improvements only)
    • Maori Land (with Court approval) (we can advise on this) 
  • If buying in Christchurch the purchase price doesn’t exceed $500,000.00.
  • If building / buying a house and land package the purchase price doesn’t exceed $550,000.00.


So you’re looking at buying your first home (or second)...


This is a mockup. Publish to view how it will appear live.