Finance options

Warmer Kiwi Homes 

EECA, the Government’s energy efficiency authority, offers up to 80% subsidies on insulation and heating to homeowners on lower incomes or who live in identified low-income areas through Warmer Kiwi Homes. 

Help with home heating 

The Government offers people over 65 a rebate on their heating bills with the Winter Energy Payment. If you're ill or have a disability, you can apply for help with the cost of heating your home. Click here for more details.  

Council retrofit programmes 

Several councils offer voluntary targeted rates which may include subsidies or low-interest loans on a range of retrofit options for ratepayers’ homes. Changes to credit contracts regulations may mean these options are on hold for some councils. Check out your local council to see what is available. 

Bank loans 

If you have an ANZ Home Loan, you could get up to $80,000 to insulate, heat and ventilate your home with its Good Energy home improvement loan.   

If you have an ASB Home Loan, you could get up to $80,000 to make your home warmer, drier, or more energy efficient with their ASB Better Homes Top Up.  

If you have a Westpac Home Loan, you can get up to $40,000 for a range of home improvements with Warm Up.  

Other financing options 

Several home improvement companies also offer low interest terms on financing their products. For example, Brightr offers interest free loans on heating, insulation, ventilation, and lighting products with their One Smart Energy account. 

 Know of other financial assistance? Please let us know at KiaOra@HomeFit.org.nz. 

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