The KiwiSaver first home withdrawal and Kāinga Ora First Home Grant are separate processes that can be used in combination to jump-start the process of buying your first home.

KiwiSaver allows early withdrawal to purchase your first home. You must have been contributing to KiwiSaver for three years, be buying for the first time and live in the home or build on the land you are buying.

To be eligible for the First Home Grant, there are additional criteria you will need to meet including a requirement that you are purchasing a property within the regional house price caps, and that you are earning less than $95,000 before tax (individual) or less than $150,000 before tax (purchasing with others). 

Grants vary between $3000-$10,000, depending on the type of purchase and your circumstances.

KiwiSaver withdrawal application forms are available through your provider and generally take 15 working days to process. Applications for the First Home Grant are completed through the Kāinga Ora website. Contact us to help you through the process.