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.

Let's Have a Chat!

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.

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What Our Clients Say

“I have bought my second home today with the help of Somesh. Never once did it feel like he was far away from me. I still remember our late-night conversations where you patiently cleared every single doubt I had. Highly recommend him – a truly trustworthy and genuine person you can always ask for help and share everything with. Thank you, Somesh, for helping me build my property portfolio!”

Utkarsh Sharma

Somesh AwasthiSomesh Awasthi

“Nicola was kind, polite, professional, smart, articulate, punctual, helpful, easy to contact and very easy to talk to. I would recommend Nicola to anyone looking at getting a home loan as she truly does go above and beyond expectations.”

Gavin Thornton

Nicola WintersNicola Winters

“Roger was very helpful and always responsive to questions we had about the mortgage process. Coming from Australia there are some slight differences in the process and Roger was able to talk us through everything in a straightforward way making it easy to understand. He provided sound advice and found a solution that we were happy with. I wouldn't hesitate in recommending Roger to someone looking for the first or 3rd mortgage.”

Matt Itzstein

Roger FairbairnRoger Fairbairn

Ready to Get Started?

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

09 886 9779Contact Us Online