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can my partner use their kiwisaver if they've contributed irregularly as self employed

ChchFirstTimer·14 Mar 2026·15 views·2 replies·FHBC expert answered
my partner went self employed two years ago and their contributions have been pretty patchy. does that affect whether they qualify for the first home withdrawal?

2 Replies

Dustin LindaleFHBC Expert preview5 Apr 2026

Yeah, they can likely still use it. KiwiSaver first home withdrawal isn’t based on how regular the contributions have been — it’s more about how long they’ve been a member. The key rule is: - they need to have been in KiwiSaver for at least 3 years As long as that’s ticked off, irregular contributions (which is pretty common when you’re self-employed) don’t stop them from being eligible. The only real impact of...

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