KiwiSaver Advice

Make the most of your retirement savings

KiwiSaver Advice

KiwiSaver is one of the most valuable financial tools available to New Zealanders, but many people don't give it much thought. The fund you're in, the contribution rate you choose, and how you use it for a first home can make a huge difference to your future.

Our advisers can review your current KiwiSaver, compare it to other options, and help you understand if you're in the right fund for your age and goals. We can also guide you through using KiwiSaver for a first home purchase.

We provide advice on KiwiSaver funds from Generate, NZ Funds, Booster, ANZ OneAnswer, Koura, and Milford – so we can offer options across different providers.

Let's Have a Chat!

How We Can Help

Review your current KiwiSaver fund and fees

Compare fund performance and risk levels across providers

Help you choose the right fund type for your age and goals

Guide you through KiwiSaver first home withdrawal

Explain employer and government contributions

Set up or increase your KiwiSaver contributions

Frequently Asked Questions

The right fund depends on your age, risk tolerance, and when you'll need the money. Generally, younger people can afford more risk (growth funds), while those closer to retirement should be more conservative. We can review your situation and recommend an appropriate fund type.
Yes, if you've been contributing for at least 3 years. You can withdraw everything except $1,000 for a first home purchase. You must be purchasing a property to live in (not an investment), and there are house price caps in some areas.
The First Home Loan is a government-backed scheme that allows eligible first home buyers to purchase with a deposit as low as 5%. You need to meet income caps and purchase price limits. We can check if you qualify and guide you through the application process.
The minimum is 3% of your salary, but you can choose 4%, 6%, 8%, or 10%. Higher contributions mean more savings and more employer matching (usually 3%). If you're saving for a first home, higher contributions can boost your deposit faster.
Yes, you can switch providers at any time with no exit fees. The process is simple – your new provider handles the transfer. We can help you compare providers and make the switch if it's right for you.

Related Articles

Tips and insights to help you on your journey

What Are Terraced Houses-and Are They a Good Buy?
12 Feb 2025

What Are Terraced Houses-and Are They a Good Buy?

6 Tips for Bidding at Auction (and How to Prepare Like a Pro)
10 May 2025

6 Tips for Bidding at Auction (and How to Prepare Like a Pro)

Small Steps: Check Your Credit Score for Free
7 May 2025

Small Steps: Check Your Credit Score for Free

What Was the Housing Supply Act About?
31 Jul 2025

What Was the Housing Supply Act About?

Ready To Buy: 3 Things First Home Buyers Can Do Today
5 Jun 2025

Ready To Buy: 3 Things First Home Buyers Can Do Today

Debt to Income Ratios: What Are They and How Are They Measured?
6 Mar 2025

Debt to Income Ratios: What Are They and How Are They Measured?

View All Articles

What Our Clients Say

“When my husband was made redundant, we both made a choose to move to a smaller town. Having a good size deposit, but still no jobs, no bank would take the chance. Thinking outside the box and contacts through mortgage labs. We were able to make temporary arrangements so we could purchase our house. Once we were settled in with jobs, we were able to smoothly move from our temporary arrangements to a bank of our choose. Mortgage labs also helped with our retirement plans. In was a stressful time, but with personalized service we felt like mortgage labs had our backs. Time and money saved with expert advice clarity. Thankyou Lynne Dent for Mortgage Labs. Katrina and Heath, Balclutha”

#Katrina Bennett

Lynne DentLynne Dent

“Very friendly and very good to give advice”

Gina

Jocelynnda CoronadoJocelynnda Coronado

“Excellent experience working with Nicola to help me buy my first home!”

jonty valentine

Nicola WintersNicola Winters

Ready to Get Started?

Talk to one of our friendly mortgage advisers today. Our service is usually at no direct cost to you.

09 886 9779Contact Us Online