While KiwiSaver is often thought of as a retirement tool, it's secondary purpose is to help push New Zealanders onto the property ladder.
Kiwi Wealth's Joe Bishop says for those who haven't bought their first home, particularly those in their 20s, home ownership is the number one reason to use KiwiSaver.
Over 35,000 New Zealanders used KiwiSaver to buy their first home this year, up 250 percent from 2015.
Aspiring homeowners are encouraged to opt for a conservative or cash fund, explains Mr Bishop, rather than a riskier growth fund.
"You get a little more security about how much you can expect to take out," he told RadioLIVE.
New Zealanders can dip into their KiwiSaver if they plan to live in the home, have been a KiwiSaver member for three years, and don't have any other investments.
Once a home is found, the home buyer can withdraw all but $1000 from their KiwiSaver.
For Kiwi Wealth's 5-stage guide on a first home withdrawal, click here.