Payment options for insulation and heating
Some local councils and banks have payment options to help you with the cost of installing insulation and heating.
Help from your council
We’re working with local councils to allow you to pay insulation and heating costs as part of your rates bills. You’ll find the councils offering this financial help (at a set interest rate) listed below. Contact them directly for more information.
Help from your bank
If you have a mortgage with one of the following New Zealand banks, you might be able to add the cost of insulating your home to your mortgage.
Contact the participating banks to find out more about their offer.
Interest-free home loan top ups for healthier homes
You can apply for interest-free home loan top ups of up to $5,000 for insulation and up to $5,000 for heat pumps, payable over 4 years*.
*Offer terms and ANZ lending criteria, terms, conditions and fees apply.
Follow the link below to find out more.
Westpac Warm Up loan offers up to $10,000 interest free for five years to help make homes warmer and drier. It can be used to fund the following options: insulation, heat pump, double glazing, ventilation and solar power system*.
*Offer terms and Westpac’s standard home loan lending criteria and terms and conditions apply.
Funding for insulation and heaters
Before looking into payment options, check whether you’re eligible for funding. The Warmer Kiwi Homes programme offers funding towards heat pumps, efficient wood burners, efficient pellet burners, and ceiling and underfloor insulation for low-income home owners.
Payment options for heating
If you're ill or have a disability, you can apply for help with the cost of heating your home.