Buying your first home with KiwiSaver

With KiwiSaver, you could get into your first home sooner than you think.

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Your first home is closer with KiwiSaver

If you’re looking to buy your first home in the near future, KiwiSaver could help you get there sooner than you expect.

If you meet the eligibility criteria, you’ll be able to use your KiwiSaver savings to put towards the purchase of your first home. You'll need to leave a minimum balance of $1,000 in your KiwiSaver account and you cannot withdraw any amount transferred from an Australian complying superannuation fund. 

There's also the KiwiSaver First Home grant. You could get up to $5,000 to buy an existing home, or up to $10,000 if you're building or purchasing a newly built home. You can check with Kāinga Ora to see if you're eligible. Income caps, house price caps and other criteria apply.

Thinking of your first home?

If you've just started thinking about home ownership or if you're browsing real estate sites over your morning coffee, we know that buying your first home and navigating a world of acronyms and jargon can be a little tricky. That's where we come in.

We're here to answer all the questions you have, like how much of a deposit you need, how to use your KiwiSaver savings, and the low down on pre-approvals. Wherever you are on your first home buying journey, we can help. Let's talk.

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Guides to get you there


Our funds

Help me choose a fund

Choosing the right fund is an important part of achieving your savings goals. Use our simple tool that makes choosing a fund easy.

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Compare our funds and fees

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01. Choose

Use our Help me choose tool that makes selecting a fund easy.

02. Join

Sign up to the ASB KiwiSaver Scheme. Join or transfer online if you're registered with FastNet Classic internet banking. New to ASB? Complete the online form.

03. Set up

Register for FastNet Classic internet banking to make managing your ASB KiwiSaver Scheme account easier.

04. Manage

Review your ASB KiwiSaver Scheme savings each year to make sure you're on track to meet your financial goals, change funds if you need to and review your contribution level.

Join or transfer to the ASB KiwiSaver Scheme

Join or transfer

Ready for the next step? Join or transfer and start saving.

Join or transfer

Call us

Speak to a KiwiSaver specialist.

0800 ASB RETIRE (0800 272 738)

Visit a branch

Visit us at one of our many branches across New Zealand.

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Any questions?

We’ll help with your ASB KiwiSaver Scheme query.

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Interests in the ASB KiwiSaver Scheme (Scheme) are issued by ASB Group Investments Limited, a wholly owned subsidiary of ASB Bank Limited (ASB). ASB provides Scheme administration and distribution services. No person guarantees interests in the Scheme. Interests in the Scheme are not deposits or other liabilities of ASB. They are subject to investment risk, including possible loss of income and principal invested. For more information see the ASB KiwiSaver Scheme Product Disclosure Statement available from this website and the register of offers of financial products at www.business.govt.nz/disclose (search for ASB KiwiSaver Scheme).

ASB's lending criteria and terms apply.

ASB KiwiSaver Scheme Buying your first home with KiwiSaver