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KiwiSaver is a government led savings scheme. It was originally designed to help people towards saving for their retirement. These days, many hardworking people are using KiwiSaver to help them get their first home deposit.

This is a complex calculation to work out. However generally speaking, some banks require a 20% deposit to buy a house. In some cases, just 10%, but this depends. So you may need as much as 10% or 20% of the target house price. This can fluctuate, so consider getting professional advice around this.


You can generally withdraw all of your KiwiSaver, except for $1000 and any money transferred from Australian superannuation. There  are also other things to think about. For example a person needs to be a KiwiSaver member for 3 years or more. There is other criteria as well.

No, KiwiSaver is be used to buy a owner occupied property where you will live.

There are many KiwiSaver providers. It is believed that companies that focus on KiwiSaver (smaller, smarter specialists), and not simply the big Australian banks, are some of the best providers.  Therefore, consider speaking to a financial adviser about KiwiSaver.

Consider talking to a professional mortgage broker. To be in touch with one, press here.