Generally anyone over 18 who has been in KiwiSaver for three or more years and is buying a first home can apply to their KiwiSaver provider to withdraw everything.

COMMENT: Yes, you're right that it's really important to consider not raw interest rates but how they compare with inflation.

When it comes to cracking down on people not paying what they should, beneficiaries are much easier to go after, writes Paul Little.

Previous homeowners are able to get back into the housing market using KiwiSaver if they're in the same financial position as a first-home buyer.

Let's get you back on the KiwiSaver ladder, step by step, writes Mary Holm.

A tax consultant is urging people in KiwiSaver to make sure their contribution and their employer's have made it to their KiwiSaver account.

AMP's Therese Singleton said anyone using KiwiSaver funds for a first home must not have owned property, personally or "jointly with others".

Having a manageable student loan is the first step to future happiness, writes Diana Clement.

Younger KiwiSavers can join a scheme at any time, but will need parents' permission.

Q: If new staff members do not wish to join KiwiSaver, do I simply pay their PAYE on the IRD form or must I fill in forms advising they don't want to join?

Default investments and focus on low fees are reducing returns, writes Brian Gaynor.

Astute KiwiSaver decisions will deliver far more rewards over the longer term than any switch from one electricity retailer to another.

One overseas bank predicts another global financial crisis is on the cards, but local economists say it's not all bad news for Kiwis.

More than 2.5 million Kiwis are signed up to KiwiSaver but many people aren't making the most of it, according to Ana-Marie Lockyer.

To have your KiwiSaver questions answered by the NZ Herald's panel of industry players, email Helen Twose.

KiwiSaver rules only allow you to be with one provider at a time. If you are not happy with your provider, you can switch at any time.

KiwiSaver can get confusing where first-home buyers are concerned, and you're certainly not alone in getting in a muddle.

KiwiSavers who follow some simple rules can achieve this target.

Helen Twose answer a question about Kiwisaver and if you can combine your Australian Super from Australia to New Zealand.

KiwiSaver funds have taken a downwards slide in the last quarter - the first time in four years there's been a widespread hit to most people's savings.

"As your son is the co-owner of the property, unfortunately he will not be eligible to make a KiwiSaver first-home withdrawal."

NZ savers are being told to put a bit more trust in investment advice.

The Ministry of Social Development says income testing, but not asset testing, is applied to the main benefits paid by the Government, including New Zealand Superannuation.

Hard up KiwiSavers are increasingly turning to their savings to help get them out of financial trouble.