KiwiSaver Advice
Make the most of your retirement savings
In brief
KiwiSaver advice should reflect your goals, timeframe, contribution settings and tolerance for investment risk. A suitably qualified adviser can explain fund options and first-home withdrawal rules, then make recommendations within their authorised scope. KiwiSaver returns are not guaranteed, and changing funds should be based on more than recent performance.
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.
Information sources
Information checked 28 July 2026. Lending and eligibility criteria can change.
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
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What Our Clients Say
“Matthew made our first home buying process a breeze. He listened and gave well informed information to support us by getting our finances sorted and having a plan with us. He was always very communicative and went above and beyond when dealing with us. He also had a great network referral that put our mind to ease and made the journey a breeze. Highly recommend his service and you will not be disappointed just trust the process and Matt and the outcome homeowners!!! Thank you Matt and Mortgage Lab.”
Lulu & Rob Samisoni
Matthew Grace“Matthew is hands-down one of the best financial advisers I've worked with. He's really great at finding out what the customer really needs and gives great advice on what to do next. He gives time for us to think about these things and follows up on any questions we may have. I really like his approach of making me and my husband feel valued (no stupid questions) and for connecting with us on a personal level. Our re-financing experience is a breeze thanks to Matthew.With these kinds of things you wanted to partner with someone you can depend on and whom you can trust. Matthew is your guy. You're awesome, Matthew! Keep it up!”
Ellen Encinares
Matthew Grace“Christiana has been a fantastic mortgage adviser for us during the process of buying our first home. She really took the time to explain everything clearly and had so much patience with us during the process. Always very prompt and positive - just what we needed!”
Ready to Get Started?
Talk to one of our friendly mortgage advisers today. Our service is usually at no direct cost to you.