KiwiSaver Advice
Make the most of your retirement savings
Mortgage Lab provides KiwiSaver advice for New Zealanders planning retirement or using KiwiSaver toward a first-home deposit.
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
Related Articles
Tips and insights to help you on your journey
KiwiSaver Contribution Rates: 3.5%, 4%, 6%, 8% or 10%?
Bridging the Gap: Income Before NZ Super
KiwiSaver and Australian Super Transfers
How Does A Student Loan Affect A Mortgage Pre-Approval?
How Do You Get a Mortgage on a Tiny Home?
NZ Super Explained: What You Will Actually Get
What Our Clients Say
“Stephane was very helpful when it came to assisting me in making a decision whether to do a reverse mortgage or not. His unbiased and pragmatic advice assisted me in feeling it was the right thing to do. Talking to friends and family works to some degree but it is also important to get financial advice from people like Stephane. Thank you.”
R Andrews
Stephane Skowronski“Roger was terrific. Being relatively new to New Zealand there was lot that I didn't know about settlement & bank arrangements here which Roger explained for me to make sure that I understood everything I needed to. He managed my expectations and concerns (things move quickly here) all the way through & never flinched. Reassuring, thoughtful and professional. All highly appreciated.”
Susan Sly
Roger Fairbairn“Michael is very knowledgeable and provided us tailored guidance that we greatly appreciate. He made the entire journey from the thought of buying our home to executing the purchase very smooth and cannot recommend him enough! Thank you Michael :)”
Krishneel Kumar
Michael ShrubsallReady to Get Started?
Talk to one of our friendly mortgage advisers today. Our service is usually at no direct cost to you.