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
“Christiana helped us with our NZ refinance. As our income is overseas (AUS), this can be challenging meeting all international income requirements. Christiana handled this without any issues at all . Whilst being so proactive and helpful throughout the whole process. Easily best in the business and finding someone of this caliber to help is truly rare. Do yourself a favour and reach out to Chrstiana for any Mortgage finance enquiry!”
Simon Janssen
Christiana Pollock“Nicola was very helpful, and nice to us throughout the entire process. All of the meeting worked perfectly with our schedules. Nicola provided plenty of advise for us on almost any questions we threw at her and made buying our first home alot better than we had anticipated. I have already recommended Nicola to a friend looking to buy and she will continue to be my top recommendation for mortgages and kiwi savers.”
Finn McCormack
Nicola Winters“Lynne was fabulous from the start of our journey. She was very patient with us and compassionate, and worked really hard with the bank to get the finance we needed. We really appreciate Lynne, as we are a very unique case, goes to shoe how much expertise Lynne has. Thank you so much Lynne, it means a lot!!!”
Michelle Alexander
Lynne DentReady to Get Started?
Talk to one of our friendly mortgage advisers today. Our service is usually at no direct cost to you.