How do I apply to use the money in my KiwiSaver account for a first home withdrawal?

Next steps

If you are a member of the Kiwi Wealth KiwiSaver Scheme, contact us to confirm your KiwiSaver start date and find out how much you may be able to access through the first home withdrawal. If you qualify, you can withdraw everything in your account except for $1,000 and any money that may have been transferred into your KiwiSaver account from a complying Australian superannuation scheme.

You will then need to complete the First or Second Chance Home Withdrawal form, available by emailing us at or by calling us on 0800 427 384. If you have previously owned a property, you will need to apply to Housing New Zealand in the first instance to assess your eligibility for a second chance withdrawal.

If you do intend to withdraw your KiwiSaver money for a first home purchase in the next few years, we recommend that you review your investment direction to ensure it reflects the timeframe you’re working towards.

Please note that it may take up to 15 working days for us to cash up your investments and process your withdrawal, so do contact us as soon as you know that you will need to withdraw your savings for a property purchase.