Mortgages & KiwiSaver, Working Together.
Whether you're growing your deposit to buy your first home or looking to optimise your KiwiSaver to pay off your mortgage faster, getting the right advice makes all the difference.
How KiwiSaver and your mortgage connect
For most Kiwis, a mortgage and KiwiSaver are their two largest financial pillars. Managing them together helps you build momentum faster.
Building your first home faster
KiwiSaver is often the biggest portion of your first home deposit. We help you choose the right fund strategy to protect your deposit when you get close to buying - ensuring your money is safe when you’re ready to make an offer.
Balancing debt vs. investment
Should you pay extra on your mortgage or put more into KiwiSaver? We help you weigh up government tax credits, employer contributions, and interest rates to map out the most effective plan for your money.
Long-term wealth & retirement
Once your mortgage is under control, your KiwiSaver becomes your primary wealth builder. We ensure your fund type, risk tolerance, and provider align with your long-term goals.
Simple, expert KiwiSaver advice built around you
KiwiSaver health check & fund selection
Are you in the right fund for your age and goals? We evaluate your risk profile and match you with funds designed to maximise returns while managing risk.
First-home withdrawal strategy
We guide you step-by-step through calculating your eligible withdrawal amount, getting pre-approval letters, and timing your withdrawal alongside your mortgage application.
Contribution optimisation
Learn how to structure your contributions so you never miss out on free government top-ups or employer matching.
Why get KiwiSaver advice with My Mortgage?
One unified team
Deal with advisers who understand both sides of your balance sheet—your borrowing and your savings.
Independent & client-focussed
We focus on what's right for your personal situation, not selling off-the-shelf bank products.
No stress. No jargon.
We break down complex financial choices into clear, actionable steps.
Frequently Asked Questions
Is there a cost for KiwiSaver advice?
In most cases, our initial KiwiSaver advice and health checks come at no direct cost to you. Get in touch to learn more.
Can I use my KiwiSaver for an investment property?
KiwiSaver first-home withdrawals can only be used for owner-occupied properties. However, we can show you how to use equity in your current home alongside your KiwiSaver to build an investment portfolio.
Will changing my KiwiSaver fund affect my current home loan?
No, changing your KiwiSaver scheme or fund provider does not negatively impact your existing mortgage or bank relationship.
Ready to get your KiwiSaver on track?
Book a free 15 minute, no-obligation call with Claire today.
