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
“Michael is amazing. We first met him a couple of years ago when we looked at refinancing. He went over and above all expectation to get us approved, which he did. But in the end we did not proceed at that time. We approached Michael again a month ago to refinance as we were not happy with our current bank. Once again, he was super efficient and very thorough and successfully got approval for us which we have completed. Thank you Michael for all your help. We highly recommend Michael and Mortgage Lab.”
Ruth Norrish
Michael Shrubsall“I engaged Christiana to assist me with my first home purchase, she was amazing and I would highly recommend her to anybody seeking mortgage/financial advice or for a property purchase! Christiana is lovely to deal with and was a great guide along the way, especially as this was not something I had done previously. Very happy and grateful for everything Christiana has done for me and helped me achieve to own my first home.”
Nico Garea
Christiana Pollock“I have really enjoyed having Christiana help me with my mortgage. She has a clear and calm communication style and is a great advisor. She always provides me with what I need to know at every step of the way and presents to me options and opportunities with perfect timing. Highly recommended!”
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Christiana PollockReady to Get Started?
Talk to one of our friendly mortgage advisers today. Our service is usually at no direct cost to you.