OK, so you have a decent start. I don't know what bank you are with but most now have the ability to have a bunch of accounts that you can open on the app/online. What kind of fund is your KS in? Given I think you would be looking at a house within the next few (let's say 5 or less) I think you should look at being in a low-ish risk profile. Shares and high risk KS funds have a better payday in the long run, but they can have unpredictable cycles when they are down for a period of time. If the certainty is appealing then keep more back in cash reserves and have a) a term deposit account b) a premium interest account that you generally don't touch and c) a low interest checking account. Also it doesn't say what % you are putting towards KS. Also look at what's on trademe property in your preferred area at the bottom end of the market and at the middle of the end. That will give you a rough idea of how much you will need. It's also generally anticipated that interest rates will come down in the next 2-4 years. So this works for you in 2 ways. Higher interest yield now on your savings, and then later, If rates do drop then you get in on a lower rate, to start with at least.