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.

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.

What Our Clients Say

Nicola was handed over our portfolio after the previous advisor, Karen Hyland left. We believe it was a good start by Nicola as she ascertained all the details we had provided to Karen was still relevant and valid . This includes combing thro a lot of previous documentation and asking questions/ clarifying circumstances and looking at our statements/ savings and expenses, before providing us with options on banks to choose from. She was also able to advise on "when" it would be appropriate to trigger the loan instead of attempting to close a loan accommodation successfully. She also helped in understanding the way the loans were setup in different phases of the build. This was useful as we waited until we had put almost all our savings into this house before pulling the trigger on the loan. This helped up by trimming the principal and the interest rates thereof for which we are thankful. Naturally, this cannot be accomplished without clear , honest and transparent communication on both sides. Thank you for your time and effort Nicola. Laveena and Raj

Laveena D'Souza

Nicola WintersNicola Winters

Lynne was amazing helping us get sorted for our first home. As first home buyers we didn’t know a lot about the process and it was quite daunting but she made it so easy and was super quick to answer any questions. She helped remove a lot of the stress from the process! Would definitely recommend using Lynne as your broker :)

Shannon Harrison

Lynne DentLynne Dent

Roger is very good and understanding of us inexperienced non tech savory clients and was a great teacher as I filled in the forms required. I will be recommending his services and MortgageLab to friends and family.

Malcolm Rowell

Roger FairbairnRoger Fairbairn

Ready to Get Started?

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