Using your KiwiSaver savings

There are two ways KiwiSaver can help you buy your first home:

Early withdrawal

If you’ve been in KiwiSaver for at least three years and you meet the eligibility requirements, you may be able to withdraw some of your KiwiSaver savings to go towards the purchase of your first home. This could include everything in your KiwiSaver account less $1,000 and any amount transferred from an Australian complying superannuation scheme.

Read more about KiwiSaver

KiwiSaver HomeStart grant

If you’ve been contributing to KiwiSaver for at least three years and you meet the eligibility requirements, you could be eligible for a KiwiSaver HomeStart grant.

Find out more


We've got a range of savings and investment options to help get your deposit together.

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Earn bonus interest if you don’t make any withdrawals in the calendar month.

Notice Saver

Add money whenever you like, then just give us 32 or 90 days’ notice to withdraw some or all of your funds.

Term Deposit

Earn a fixed rate of interest on your savings for a fixed term. Terms range from 30 days to five years.

Helpful tips and tools to help with your savings

Smart tools to reach your goal
Get set up with the basics

Family assistance

You might be lucky enough to have family that would like to support you financially to achieve your home ownership dreams.

There are a number of different options for families to consider, the most common ways families help out are gifts, guarantees or by using equity in another home. Our home loan experts can help you understand your options but it's important to us that families receive independent advice before making a big decision like this.

Low deposit options

You may not need a 20% deposit, there are options where a smaller deposit could still get you into your first home.

Find out more about low deposit options

Five steps to your first home

Your home is one of the biggest assets you'll ever have, with our simple guide you'll be on the road to buying your first home in no time.

Find out more

Home loan calculators

Use our home loan calculators* to get a quick idea of how much you could afford, what you'll need to save for the deposit, and what your repayments could look like.

How much could I borrow?

Enter your income and deposit to get a quick idea of how much you could borrow.

What will my repayments be?

Work out your regular repayments and how quickly you could pay off your home loan.

What could I afford to spend on a home?

See what you could borrow based on the repayments you can afford.

Talk to a home loan expert - we're here to help

At any stage of your home buying journey, our home loan experts are available to give you obligation-free advice and guide you through the process right to the end.

Our Mobile Mortgage Managers can come to a location of your choice and our Banking Consultants are available at your local Kiwibank branch. Our home loan team is also available by calling 0800 000 654 between 8am and 6pm, Monday to Friday.

*The calculators should be treated as a guide only. They don't take into account your individual circumstances and are not financial advice.

Download the Terms and Conditions for Kiwibank Term Deposits (PDF 40.1 KB) or pick up a copy from your local Kiwibank.

Kiwibank Notice Saver is a fund within a Portfolio Investment Entity (PIE). Units in Kiwibank Notice Saver are issued by Kiwibank Investment Management Limited and are distributed by Kiwibank Limited. Download the Terms and Conditions for Kiwibank Notice Saver (PDF 52.0 KB) or pick up a copy from your local Kiwibank.