Help from your council
These local councils allow you to pay insulation and heating costs as part of your rates bills (at a set interest rate). Contact them directly for more information.
- Bay of Plenty Regional Council (external link)
- Clutha District Council (external link)
- Dunedin City Council (external link)
- Environment Canterbury Regional Council (external link)
- Greater Wellington Regional Council (external link)
- Hawke's Bay Regional Council (external link)
- Environment Southland(external link)
- Marlborough District Council (external link)
- New Plymouth District Council (external link)
- South Taranaki District Council(external link)
Your insulation and/or heater installer will help you choose the right product for your needs. Providers use different products – if you’re after a particular product you may need to call a few providers to find it.
Help from your bank
If you have a mortgage with one of these banks, you might be able to add the cost of insulating your home to your mortgage. Contact them directly for more information.
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Grants for heaters and insulation
Before looking into payment options, check if you could get an insulation or heater grant under the government’s Warmer Kiwi Homes programme.
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Ill or have a disability?
You can apply for help with the cost of heating your home.