02/06/2026
🏡 Your first home might be closer than you think — especially if you start KiwiSaver early.
KiwiSaver can be a powerful tool for building your first-home deposit, but it’s not just about being in KiwiSaver.
Your fund choice matters.
The right fund should suit your age, timeframe, goals, and comfort with risk. Being too conservative too early may limit growth potential, while being too aggressive close to buying may expose your deposit to short-term market ups and downs.
After 3 years in KiwiSaver, eligible first-home buyers may be able to withdraw most of their KiwiSaver savings towards their first home, leaving at least $1,000 in the account.
A quick KiwiSaver review can help you understand whether your current fund is aligned with your first-home goal.