More options, better returns. 

Make KiwiSaver work for you

Although KiwiSaver is commonly known as a retirement fund facility, it is also an incredibly useful tool to help you into your first home.

We’ll help you get your KiwiSaver set up and humming – and when the time comes to purchase your first home – ensure you access all of the KiwiSaver and government  first home buyer entitlements – for free.

KiwiSaver Calculator

See what your future savings could be with our simple KiwiSaver calculator.

KiwiSaver first home withdrawal

If you have been a member of KiwiSaver for at least three years you may be eligible to withdraw any contributions you and your employer have made, along with the Government Member Tax Credit contributions and any investment returns.

You can’t withdraw any amounts transferred from an Australian complying superannuation scheme, and you must maintain a balance of at least $1,000 in your KiwiSaver account.

KiwiSaver HomeStart grant

If you’ve been contributing to KiwiSaver for at least three years and are buying an existing home, you may be eligible for $1,000 for each year you’ve been contributing – up to a maximum of $5,000. This means that if you’re buying a house with a partner and you both qualify for the HomeStart grant, you could get up to $10,000.

If you are buying a newly built home or a planning to build, you may be eligible for $2,000 for each year you’ve been contributing – up to a maximum of $10,000 per person.

Government and employer contributions

As well as your 3%, 4%, or 8% of gross income contribution, your employer is required to put in a further minimum of 3%.

For every $1 you put into your KiwiSaver, the Government will put in 50 cents, up to a maximum of $521.43 per year.

Plus, you’ll have super smart KiwiSaver experts investing and growing your money for you.

Fund types

Conservative funds – For those who are cautious investors, planning to buy their first home or are nearing retirement.

Growth funds – For medium to long-term investors who are prepared to accept more volatility with the potential of higher returns in the long run.

Aggressive – For long-term investors who are prepared to accept a higher level of volatility for the potential of long-term results.

Learn more

Australian super transfer

If you have savings in an Australian superannuation fund but now live permanently in New Zealand, you can transfer your account balance to your KiwiSaver.

Your Australian superannuation savings will be converted to New Zealand dollars at the exchange rate on the day your money enters New Zealand.

The transfer won’t cause any entry or exit taxes, and we won’t charge you a fee.

KiwiSaver the right way.

KiwiSaver calculator

What could your KiwiSaver balance be at retirement? Make KiwiSaver work for you.

Talk to a KiwiSaver expert

Call us on 0800 346 765
8.30am – 6pm Monday to Friday

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About the Calculator

The results are illustrative only, do not reflect actual returns and are not predictions of future returns (which are subject to investment and other risks, including loss of income and principal invested). No amount of return is promised or guaranteed. Returns can be positive or negative, and will vary over different periods depending on the investment performance of your chosen fund or funds. While the results are shown on an after-tax basis based on an indicative level of tax, the actual tax on your returns will vary depending on the tax treatment of the specific assets invested in. In addition, taxation legislation, its interpretation and the levels and bases of taxation may change.

I had a really positive experience with Paul. He was helpful in terms of giving his suggestions and advice, but also completely OK with us choosing some options that we'd researched ourselves.read more
Jamie Twigg
Jamie Twigg
20:57 10 Nov 19
Gareth was super helpful and really took the time to shape the policy to fit Sam and I. Will definitely recommend!read more
Holly Prideaux
Holly Prideaux
01:49 08 Nov 19
Gareth is a genuine finance professional that cares about educating and getting the best for his clients. Highly recommend Finsol !read more
Nick Manarangi
Nick Manarangi
21:30 07 Nov 19
Gareth and Finsol have been great to deal with. From working through our current plan and advising on options to suit our changed circumstances, the whole process was easy. Would recommend Finsol.read more
Robert Elstone
Robert Elstone
08:27 04 Nov 19
Gareth and Finsol have been great to deal with. From working through our current plan and advising on options to suit our changed circumstances, the whole process was easy. Would recommend Finsol.read more
Robert Elstone
Robert Elstone
08:27 04 Nov 19
Gareth and the Team are Awesome!!!! Made everything with our family and personal insurance so easy and stress free and go the extra mile to help with anything needed.THANKS GUYS!!read more
Taurus Taurima
Taurus Taurima
07:27 21 Oct 19
This firm stands out from the rest.Where soo many try to sell you something & forget about you this firm listens, it hears what you need, what you are trying to achieve & builds a set of recommendations based on that.In our drive for quick solutions sometimes things get lost. Tangible things like sharing information, giving proper advice & following up your understanding of that advice (these are not common place anymore).If you want to talk to someone that believes in what they are doing, if you want to be heard, if you want to feel certain that someone is going to go in & bat for you & work to get you the outcome you desire give these people a call.You wont be disappointed. Thanks team.Thanks for listening & helping me get what I was after.read more
Sergio Vasquez
Sergio Vasquez
22:35 20 Oct 19
I thoroughly recommend Gareth’s expertise, knowledge and service. He helped us select and purchase health insurance and we valued his knowledge of the industry and the insights he could provide that we had not previously factored in. We have recommended him to friends and wouldn’t hesitate to use Finsol again in the future.read more
Eleanor Jack
Eleanor Jack
07:16 01 Oct 19
Paul made our whole experience of insuring our business and ourselves personally very easy. Paul has great knowledge of insurance and made recommendations that suited our needs and he always kept budget and value in mind. We look forward to working with Paul again soon.read more
Nicole Speakman
Nicole Speakman
22:33 26 Sep 19
Paul made our whole experience of insuring our business and ourselves personally very easy. Paul has great knowledge of insurance and made recommendations that suited our needs and he always kept budget and value in mind. We look forward to working with Paul again soon.read more
Nicole Speakman
Nicole Speakman
22:33 26 Sep 19
We worked with Gareth Dobson from Finsol Insurance and Mortgage Brokers for a recent review of our insurance cover. He did a fantastic job reviewing all the current policies and recommending options that will suit our financial situation and goals. Highly recommend Gareth and Anne to others. Really liked the ease of communication and 'friendly reminders' to make sure we reviewed and signed things off in the time lines discussed. Thanks team Finsol.read more
Glenn Fulcher
Glenn Fulcher
23:42 08 Sep 19
I highly recommend doing business with Gareth Dobson. What a great help he was is unbelievable. Thank you Gareth.read more
David Moller
David Moller
10:19 22 Aug 19
I highly recommend doing business with Gareth Dobson. What a great help he was is unbelievable. Thank you Gareth.read more
David Moller
David Moller
10:19 22 Aug 19
I recommend Paul to any one looking for a financial adviser. Always giving his clients 100% and making savings where ever he can. He has already saved me money with my ACC , he continues to advice and help me understand, I can not thank him enough.read more
Renee Dever
Renee Dever
22:29 05 Aug 19
Gareth from finsol was great to deal with totally stress free. If you had any question or concerns he was able answer them and put u at ease. Would totally recommend him to deal with.read more
Chris Hinde
Chris Hinde
07:22 19 Jul 19
Paul is great he made the whole process very easy and simple to follow he explains things very meticulously and thoroughly so I really understood what it was all about. He does everything through electronic signing emails which makes the whole process extremely easy no need to travel to sign documents or print off any papers whole process is very straight forward and Paul's the guy to go to if you want to get it done without the brain damage.read more
Jesse Smith
Jesse Smith
01:30 15 Jul 19
I was very fortunate to have Gareth work through a restructure of my insurances and work related cover. To say I was happy with the outcome would be an understatement. He is knowledgable and efficient and had a particularly good grasp of the cover I required specific to my trade. I couldn't recommend Gareth and his team more.read more
john roberts
john roberts
07:48 02 Jul 19
I cannot recommend Gareth and the rest of the Finsol team enough. If you are looking for ethical insurance advice then look no further. Gareth was thorough in his initial review and his recommendations and advice was exactly what we needed. I look forward to working with Gareth and having him look after our family for years to come.read more
Stuart Hartley
Stuart Hartley
08:05 26 Jun 19
Paul was amazing to deal with. Made getting a mortgage effortless and stress free. Highly recommend Paul and will be using him again for my next venture!read more
Julie Jones
Julie Jones
20:33 18 Apr 19
Could not recommend Finsol and especially Gareth any more strongly. In just one phone call Gareth managed to halve our annual ACC bill resulting in a 5 figure cost saving. Absolutely stoked! Thanks again team.read more
David Nakhle
David Nakhle
23:50 02 Apr 19
The advice I get from Gareth really helps as the world of insurances is foreign to me. He regularly checks in to make sure I understand what I am getting out of my cover, putting it into words that are easy to comprehend! I really trust Gareth to make sure my family and I are looked after. He is passionate about looking after his clientsread more
Caitlin Fox
Caitlin Fox
04:56 31 Mar 19
Thanks to Paul and his team at Finsol for the superb work they’ve done in getting our first home and best deal of insurance. Having both house and insurance is an investment. Paul’s professionalism was very helpful in making our decision every step of the way. He answered and explained simply and direct to the point every concerns to help us achieve our financial goals. At the end of it all, we borrowed money conscientiously , spent wisely, saved happily, and invested smartly. Highly recommended! God speed Paul and Finsol.read more
Legend of the Falls
Legend of the Falls
02:03 26 Mar 19
Paul provided my wife & I will excellent advice & from that comprehensive cover at a competitive price. We found him to be professional & open, & communicated what can be complex into context we easily understood. Just as importantly Paul & Gareth his business partner radiate through their words & deeds a sense that your dealing with a person who strives to be a positive influence in all their actions. This level of social & environmental consciousness combined with their first rate business acumen means we plan on being long time clients of Finsolread more
Adam Lee McHardy
Adam Lee McHardy
03:38 11 Mar 19
Very friendly and professional crew, and boy they are efficient! I really enjoyed that every documents they sent I could sign on my mobile and saved the hustle of printing and scanning papers...#sustainableasitcanget. Thank you!read more
Anahita Hun
Anahita Hun
01:40 04 Feb 19
Paul ejamme is an amazing advisor. Highly highly recommend. He went above and beyond to help us with our debt consolidation and our insurance cover. He has even helped us set in motion plans to purchase a home. Thank you paulread more
Ashley Hannah
Ashley Hannah
04:03 29 Oct 18
Gareth was fantastic to deal with, I was looking for a business insurance policy and before long I was more than happy for him to review all other policies and discovered many changes could be made to better our needs hence he is now our go to guy for all our financial-insurance needsI couldn't speak more highly of Gareth and the team at Finsol Thanks for everything you've done G Matt Zachanread more
Matthew Zachan
Matthew Zachan
08:15 14 Oct 18
Gareth and his team from Finsol are fantastic to work with. I can't say enough about how much they have helped me. Insurance, kiwi saver and financial support They make the whole process easy and they take into account your personal circumstances and offer products that work for you. I highly recommend the Finsol team.read more
logan vaney
logan vaney
06:31 28 Sep 18
Paul was outstanding! Professional and knowledgeable, he helped answer any questions we had and made our well-being his priority at all times. A lot of people get life insurance without the knowledge of what they’re getting. Not with Paul! He patiently listens and helps you comprehend what you’re signing up for! Have been through a few mortgage and insurance brokers and they can not complete!! A friendly and hard working guy who always puts his customers first. Highly recommended!!!!read more
Sarah Mullen
Sarah Mullen
04:54 27 Aug 18
Paul was extremely helpful, professional and friendly. Not only did he help us with our insurance but he was comfortably speaking to us on a personal level too. Paul was dedicated to making sure he got us the right cover for our needs and personal situation. Highly recommend Paul. As Nike Say - Just Do It!read more
Paul Mullen
Paul Mullen
09:25 23 Aug 18
Finsol were very helpful in setting up my health insurance - they made everything super easy to understand, and I was able to sign and complete everything over the phone and online. I was impressed with how professional and friendly they were. Highly recommend to anyone needed help with their insurance.read more
Steph Viatos
Steph Viatos
05:46 15 May 16
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