Make the most of your KiwiSaver. KiwiSaver has become one of the most valuable retirement tools available to New Zealanders. Whether you are preparing for life after work, planning ahead for lifestyle changes, or assisting family with their first home purchase, your KiwiSaver should be working hard for you.
Our advisers can help you understand how and when you can access your funds, ensure you are in the right type of fund for your stage of life, and review your current contributions to make the most of every dollar. Small changes today can make a meaningful difference to your future income and lifestyle.
Different funds suit different goals. If your KiwiSaver has not been reviewed in several years, you may not be in the best place for your current needs. We help you understand your options, remove the jargon, and give you confidence in your decisions.
We help you select a fund that aligns with your goals, timeframe, and appetite for risk.
Pre-approval shows how much you can borrow and gives you a solid starting point for your property search. It helps you stay within budget and avoid financial stress.
We’ll guide you through what’s needed – income, expenses, and savings – and help choose the best loan structure so you’re set up with a mortgage that fits your goals.
Don’t have a 20% deposit? You may still be eligible for options as low as 5% through Kāinga Ora or some bank programmes.
We’ll help you use KiwiSaver contributions and find lenders who accept smaller deposits, giving you a clear path to home ownership sooner.
With pre-approval sorted, it’s time to find your perfect place. Think about location, property type, and budget so you stay within your limits.
Before you commit, request reports such as the LIM, title, and builder’s report to avoid surprises and make informed decisions.
Found the right property? We’ll explain the offer process step by step, whether you’re buying at auction, negotiation, or tender.
It’s vital to get legal advice and include key conditions like finance approval, building inspection, and due diligence before signing.
Life is full of uncertainties, but the right insurance can provide stability and peace of mind for you and your family. At Central Mortgage & Insurance, we help you choose the cover that fits your needs, ensuring you’re prepared for whatever life may bring.
Our service is free for clients selecting most KiwiSaver funds. You receive tailored, professional guidance and ongoing support without additional cost.
From age 65, you are free to use your KiwiSaver in a way that suits your lifestyle. Many clients are surprised to learn just how flexible it can be.
Some choose to leave their funds invested, allowing them to keep growing, and simply withdraw amounts as needed. Others prefer regular scheduled withdrawals, turning their KiwiSaver into a reliable income stream. Some take the full balance and add it to other savings, property, or investments.
Any money withdrawn after retirement is tax-free, and while government and employer contributions no longer apply, your KiwiSaver remains an important part of your financial stability and long-term wellbeing.
Whether you are reviewing your current fund, planning ahead for retirement, or just getting set up for the first time, expert guidance can make a significant difference. A quick review today can help ensure your money is invested in the right place for the best possible outcome.
Contact us to make sure your KiwiSaver is working as hard as you worked to earn it.
Book your free consultation today and discover your options.
