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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.


    Interest-free home loan top up of up to $5,000 per property

    ANZ is pledging $100 million of interest-free home lending to help insulate Kiwi homes.

    A warmer home is in everyone's best interest. And with an interest-free home loan top up of up to $5,000 per property secured with ANZ you can enjoy a warmer, healthier home while keeping energy costs down.

    Before they can complete your application, you will need to provide them with a quote and an installation date. Please contact us today for a free quote on 0800 22 22 99.

    Find out more at anz.co.nz/warmerhomes

    *Maximum of two interest-free loans per customer. The interest-free home insulation loan offer is subject to ANZ's lending criteria, terms, conditions and fees.



    Westpac Warm Up loan

    With Westpac Warm Up, existing or new home loan customers can borrow up to $10,000 interest free for five years to help make homes warmer and drier.

    A Westpac Warm Up loan funds the installation of up to $10,000 of:


    ✔Heat pumps

    ✔Double glazing


    ✔A solar power system

    With Westpac Warm Up, we’re helping our customers make improvements to their home that we know are important to them. A healthy and energy-efficient home isn’t just good for the environment - it’s good for you and your family.

    Find out more at https://www.westpac.co.nz/home-loans/warm-up/