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Set up a Notice Saver account now and after six months of regular saving you'll be eligible for Kiwibank’s First Home Saver package1. Notice Saver is a flexible savings account with a good rate of return, but instead of instant access to your money, you have to give either 32 or 90 days' notice to make a withdrawal.
To be eligible for the Kiwibank First Home Saver package, you must have had a Notice Saver account with a minimum balance of $2,000 for six months. You also need to have saved a minimum of $20 per month for six consecutive months and draw down a Kiwibank Home Loan.
Keep adding money to your savings whenever you like. No instant access means it's harder to dip into your savings.
To withdraw some or all of your money you just need to give us 32 or 90 days notice depending on what option you chose when setting it up.
No account management or transaction fees.
Since it's a PIE account, the maximum tax rate you'll pay on the return you earn from it is 28%. Usually you’d pay your regular income tax on interest earned on savings accounts, which could be up to 33%.