Can I use my KiwiSaver to buy land and build later?

Short answer: Yes, but you must build within 12 months and prove you intend to live there.

What this actually means in plain English

Yes, but only if you build within 12 months of buying the land. The rules say you must intend to live in a completed home on that land. You cannot buy land and leave it empty. You need building plans and a fixed-price building contract to prove you will build.

Key Facts

Example

Land Price: $250,000

Build Contract: $350,000

Total Cost: $600,000

Kiwi Saver Withdrawal: $25,000 toward land

Requirement: Build within 12 months

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