How to Use KiwiSaver for Your First Home in 2026

KiwiSaver can be a powerful tool for getting into your first home. Here's what you need to know in 2026.

To be eligible for a first-home withdrawal, you must have been a KiwiSaver member for at least three years and not currently own a home. You can withdraw all funds except a minimum $1,000 balance.

The First Home Grant provides up to $10,000 for existing homes or $20,000 for new builds (for couples who both qualify). Income and regional caps apply.

Choosing the right KiwiSaver fund matters too — a growth fund may build your deposit faster, but carries more risk. We help you balance growth with your timeline.