How do I actually withdraw my KiwiSaver to buy a house?

Short answer: Apply through your provider with a sale and purchase agreement. Money goes to your lawyer. Allow 2-3 weeks.

What this actually means in plain English

You apply through your KiwiSaver provider, not the government. They need a sale and purchase agreement and a letter from your lawyer. The money goes straight to your lawyer, not to you. It takes 10-15 working days. Do not wait until the last minute.

Key Facts

You need a signed sale and purchase agreement
You need a statutory declaration from your lawyer
The money is paid directly to your solicitor, not you
Allow 10-15 working days for processing

Example

Step1: Sign sale and purchase agreement

Step2: Contact KiwiSaver provider for withdrawal forms

Step3: Lawyer completes statutory declaration

Step4: Submit to provider

Step5: Provider pays lawyer directly at settlement

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