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  • Finance

    Investing in the health of your home and family makes sense. Using our finance packages allows you to enjoy a warmer, dryer home without the immediate capital outlay. Why suffer through another cold winter when you can do it now? It’s using finance in a good, positive way. You can even put the energy savings into paying your insulation and heat pump off!


    Auckland Council Retrofit Your Home

    If your home is draughty, damp or not well insulated, you can apply for up to $5000 financial assistance through our Retrofit Your Home programme. You will need to meet eligibility criteria.

    You are eligible if:

    • your house was built before 2000
    • you are an Auckland Council ratepayer
    • you are up to date with your rate payments and have a good payment history.

    You can apply for up to $5000 financial assistance to insulate or heat your home. You will repay this assistance over nine years through a targeted rate included on your rates bill.

    Interest will be charged on the amount borrowed, at the same rate we pay for our own cost of borrowing, plus a small administrative margin. For the next financial year the rate will be seven per cent. If you want to repay the assistance earlier, you can make extra repayments. If you have more than one house, you can apply for assistance for each of them. If you’ve already had ceiling and underfloor insulation installed through an ENERGYWISE grant, you can apply to get clean heating through Retrofit Your Home. If you sell your house, the financial assistance owing on the property passes to the new homeowner. The seller has a legal requirement to inform any purchaser of the existence of the rate, and you must include a written provision in any sale agreement recording that disclosure.

    The first step is to get a quote from us then move forward by downloading this application form

    Please note that not all of our products and grades may be available for use through this program.

     GEM Finance

    6 Months interest free on all purchases over $250.

    We are partnered with GEM Finance to provide an easy, honest and simple repayment program to make insulation and clean heating affordable. Why wait to enjoy a more comfortable and healthier home when it’s so easy to pay it off. The application process is simple and approval time once all the information is gathered is usually very quick. Ask us for an application form.


    *Credit and lending criteria, Available on purchases over $250 using Gem Visa or Gem CreditLine. Normal lending conditions credit criteria and fees apply. Prevailing interest rate (currently 25.99%p.a. for Gem Visa and 29.99%p.a. for Gem CreditLine) will apply to any balance outstanding on the expiry of the interest free period. Minimum monthly repayments must be made during the interest free period. The minimum monthly repayments of 3% of the outstanding balance or $20, whichever is greater, will not be sufficient to repay the purchase amount within the promotional period. Gem Visa and Gem CreditLine are provided by Latitude Financial Services Limited.