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.

Bay of Plenty Regional Council

Clutha District Council

Dunedin City Council

Environment Canterbury Regional Council

Greater Wellington Regional Council

Hawke's Bay Regional Council

Invercargill City Council

Marlborough District Council

New Plymouth District Council

South Taranaki District Council

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.

Bank offers

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.


Find out about the ASB offer


Find out about the BNZ offer


Find out about the Kiwibank offer


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.

Find out more about the Westpac offer

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.

?Funding for heaters and insulation

Payment options for heating

If you're ill or have a disability, you can apply for help with the cost of heating your home.

Paying for heating – website