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

Cindy is such a brilliant broker who is referred by my best friend. In the first face to face meeting with Cindy, I told her about my financial situation and what kind of house I want to buy, Cindy made a full analysis and provided me some suggestions. I was so impressed with the way Cindy handled the meeting. I liked the way that Cindy presented all the relevant facts to me. Her analytical skills have been invaluable in making my project a success. When I asked questions or needed any kind of help, Cindy was very happy to offer assistance. She never said no to taking additional responsibilities and I liked that about her. Her problem-solving skills were so incredible. Thank you for taking out her precious time in solving my problems and explaining everything in details to me. I admired the way she solved problems encountered. Cindy worked so hard on my project. I enjoyed working with her because of the unique skill set and perspective she brought to the project. Thank you for her efforts and smiling face. Her positive attitude was contagious. I was so grateful that Cindy not only helped me achieve what I want, but I also learned a lot from Cindy. Really appreciated!

Wenjin LIN

Cindy HuangCindy Huang

Thank you so much Ate Jocie for your guidance and support throughout the mortgage process. Your expertise, patience, and clear communication made everything so much easier to understand and manage. I truly appreciate all the time and effort you put into helping me secure our new home. I couldn’t have done it without you—thank you again for everything you have done. I will forever grateful ❤️

Avie Gallardo

Jocelynnda CoronadoJocelynnda Coronado

Laura was always available to discuss all questions I had. She made the information easy to understand. She connected us to the supporting agencies we needed to get our mortgage finalized and secured.

Maylene Erihe

Laura CatesLaura Cates

Ready to Get Started?

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