How Bank Lending Can Help You Create A Healthy Home

How Bank Lending Can Help You Create a Healthy Home

Are you a homeowner with a home loan? If you’re looking to upgrade your home with heat pump, ventilation, or ducted systems to ensure a warmer and healthier living environment, there’s good news. Several banks offer special lending options with minimum interest rates to help you make these energy-efficient improvements. Here’s a rundown of what ANZ, ASB, Kiwibank, and Westpac have to offer:


ANZ offers a Good Energy Home Loan at a fixed interest rate of 1.00% p.a. for three years for up to $80,000. This loan can be used for:

  • Heat pumps (single-split, multi-split, or ducted systems)
  • Insulation (ceiling, underfloor, wall)
  • Double or secondary glazing
  • Ventilation systems (positive or balanced pressure, heat recovery options)

Additionally, if you’re buying or building a new home with a 6 Homestar rating or higher, you can get up to 1% off your home loan interest rate (Green Homes New Zealand).


ASB offers a Better Homes Top Up loan with an interest rate of 1.00% fixed for three years, up to $80,000. Eligible improvements include:

  • Heat pumps, wood burners, wood pellet burners
  • Insulation (underfloor, ceiling, wall, double glazing)
  • Ventilation systems, extractor fans, rangehoods
  • Solar panels and related equipment

This loan can also be used to purchase electric or hybrid vehicles and chargers (Green Homes New Zealand) (EECA).


While Kiwibank doesn’t have a specific green lending rate, they offer a contribution towards energy-efficient upgrades. Borrow more than $5,000, and Kiwibank will contribute up to $2,000 over four years towards the cost of your system. They also waive the home loan top-up fee for existing home loan customers (Green Homes New Zealand).


Westpac’s Greater Choices Loan offers up to $50,000 interest-free for five years for energy-efficient home upgrades, including:

  • Heat pumps, insulation, double glazing
  • Ventilation systems, wood burners, solar power systems and batteries
  • Hybrid and electric vehicles, EV chargers

This initiative aims to help homeowners create a more energy-efficient and comfortable home environment (Green Homes New Zealand).

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Ready to upgrade your heating system and comply with the Healthy Homes Standards? Contact us today to learn more about our services and how we can help create a warm, healthy living environment for your tenants.

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Haley RossHaley Ross
00:32 20 Apr 24
We won a free heatpump service and were very satisfied with the service. Superheat Electrical and Air-Conditioning were very prompt, friendly, approachable and professional throughout the process. They have gained a new customer. Thanks very much.
Victoria BealeVictoria Beale
07:06 10 Apr 24
Can't speak highly enough of the service I had from Superheat Electrical. Every member of the team who had any thing to do with my job surpassed expectations. The job was completed quickly and efficiently and they were very understanding and patient... in working around my schedule and needs. The communication from Kristine was probably some of the best I have had when dealing with a company, which for me is very important.I will definitely be giving any future business I have to them and would highly recommend to more
Luke GullaLuke Gulla
06:29 30 Mar 24
The team demonstrates expertise in installing our Hitachi heatpump in our living room. We are very happy with thier customer service and professionalism.
02:21 23 Mar 24
I had the pleasure of working with Superheat Electrical for the installation of Cassette and Split type air conditioning units on our production hall and new offices. I cannot express how impressed I am with their professionalism and expertise.From... the initial consultation to the final installation, Paul’s team at Superheat Electrical demonstrated exceptional knowledge and skill. They took the time to understand our specific needs and provided a tailored solution that exceeded our expectations. I highly recommend Superheat Electrical for any HVAC needs. Their commitment to excellence, quality workmanship and professionalism sets them apart. Kudos to the team! Keep it up!read more
Joelson VJoelson V
08:54 16 Mar 24
Îvor HollandÎvor Holland
00:24 06 Mar 24
Quick reply with quote. Good price, excellent service, turned up when they said they would.
00:45 04 Mar 24
Great team to work with. Appreciate you took initiatives in the whole process, especially the reminders prior to the job. Last but not least excellent quality of the service at a very reasonable price. Thanks everyone at Superheat Electrical!
Angela HarrisAngela Harris
22:41 03 Mar 24
Great company to work with - friendly, prompt and good communication. Would highly recommend.
Edwin LlobetEdwin Llobet
02:23 01 Mar 24
The staff at Superheat Electrical are not only skilled but also incredibly friendly. And let’s not forget John—the awesome owner. His commitment to customer satisfaction is evident in every interaction.Superheat Electrical installed a heat pump in... my house and handled a complete rewire of the electrical system. The results? Outstanding! The installation was seamless, and the team’s attention to detail was commendable. Plus, the friendly atmosphere made the whole experience stress-free. I’m already looking forward to getting their service again in the future. Whether it’s another project or routine maintenance, Superheat Electrical will be my go-to choice.So, if you’re in need of electrical solutions, look no further. Superheat Electrical is the name you can more
Jennifer RogersJennifer Rogers
06:44 26 Feb 24
Awesome service! I was so happy with these guys. Super helpful, friendly and down to earth salesman and then the install team was amazing too. They arrived exactly when they said they would, did fantastic, tidy work and even finished quicker than... expected. I could not be happier. Highly recommend these guysread more
These guys installed two extractor fans in the rental house. They were on time, on budget, did a professional job and communicated well. No mess. Tidy service. I recommend them and will go straight to them for my next electrical job. Five stars from... more
Grant EdmondsonGrant Edmondson
08:16 25 Oct 23
I was really impressed with Paul and his team . He arrived on time , was polite and friendly and very professional . He really blew me away with his workmanship . My heat pump looks brand new ,an feels brand new,even after 7 years old. I would... highly recommend him to anyone needing a Heat-pump service . But he does so much more my HRV filter needs replacing soon and its so much cheaper than getting HRV people in to do it,so why wouldn`t anyone get Paul and his team over,right before summer comes. Paul will definitely be getting all my electrical business from this day forward. Thanks again Paul, regards Grantread more