ANZ Good Energy Home Loan

Want a warmer, healthier, more energy efficient home with less impact on the planet? Our new ANZ Good Energy Home Loan top up could help. Start your journey to a more energy efficient home with our great rate.

Rate and offer details

ANZ Good Energy Home Loan

Rate is unavailable


Top up your ANZ Home Loan at a fixed rate for 3 years, up to $80,000, to make your home more energy efficient and better for the environment.

This rate will only apply to the top up for the initial 3-year fixed term period. When this fixed rate period expires, you can choose to fix at one of our Special fixed interest rates (if you are eligible) or Standard fixed interest rates, or you can let your loan move onto the floating rate.

The ANZ Good Energy Home Loan is not available for business purposes or for new builds (until the new build lending is fully drawn).

How it works

If you have a home loan with ANZ, you can apply for our new ANZ Good Energy Home Loan top up to a maximum value of $80,000 to purchase any of the ANZ Good Energy Upgrades for your home below:

What you need to know

You’ll need to provide some documentation before we can complete your application:

  • For hybrid and electric vehicles: a purchase agreement from a registered motor vehicle trader.
  • For solar panels and solar batteries: a quote provided by a company that’s a member of the Sustainable Energy Association of New Zealand (SEANZ), and an installation date.
  • For all other solutions: a quote for both the supply and installation from a company that supplies and installs the solution as a normal part of their business. We’ll also require an installation date.

More information

  • You can apply for more than one ANZ Good Energy Home Loan, provided the total amount doesn’t exceed $80,000. This means you’ll be able to purchase a range of ANZ Good Energy Upgrades that suit your needs.
  • If you're new to ANZ you can apply for your ANZ home loan and ANZ Good Energy Home Loan top up together. Find out more about ANZ Home Loans.
  • ANZ Good Energy Home Loan top ups are not available for upgrades purchased prior to 4 July 2022.
  • As you pay off your ANZ Good Energy Home Loan, you may be able to replenish the amount of lending you can borrow under this offer. For example, if you borrowed $80,000 to purchase an electric vehicle and you’ve repaid $20,000, you can apply for another top up of up to $20,000 to purchase another ANZ Good Energy Upgrade. This is subject to a maximum of $500,000 being drawn down under ANZ Good Energy Home Loans over time.  
  • If you’ve received a quote for an ANZ Good Energy Upgrade that is more than the maximum amount of $80,000, you can still apply – however our special ANZ Good Energy Home Loan top up interest rate will only apply to $80,000 of the loan and the remaining balance will be subject to our interest rates advertised at the time.
  • You’ll need to obtain any required consents from your local council to make sure your insurance cover is not affected. 
  • We may also be able to help with funding a deposit for hybrid and electric vehicles where a deposit is required to ‘secure’ the purchase, provided you meet the eligibility criteria. 
  • If you’re purchasing an electric vehicle, you may be eligible for the government’s Clean Car Discount Scheme. Whether you want to pocket your electric vehicle rebate, or deduct it from your loan, it’s your choice.
  • The maximum loan term is 30 years (however you should consider the life expectancy of the upgrade before applying).
  • Your interest rate and repayment amount will remain the same for the fixed period, which means you have less flexibility to make extra repayments.  Find out more about ANZ Home Loans with a fixed rate.
  • During the fixed rate period, there are a couple of ways you can make extra repayments without being charged an Early Repayment Recovery: If it’s the first increase that year, you can increase your regular repayments towards your home loan by up to $250 a week. Plus, each year you can make an extra lump sum repayment that’s no more than 5% of your current loan amount. The year runs from the date, or the anniversary of the date, that your fixed rate period started.
  • Other fees and charges may apply.

How to apply

From overseas: +64 4 470 3165

Good energy upgrade toolkit

Not sure where to start? Here are some resources in our toolkit to help you. 


HomeFit self-assessment is a straightforward way to check if a home is warm, dry, efficient and safe. You can use it to check a home you’re looking to buy or rent, or if you want to know how you can improve your current home. It starts with a simple online check.

If you would prefer to speak to someone you can contact an independent HomeFit assessor who can visit your home to provide a detailed assessment and list of priorities. 

HomeFit was developed by the New Zealand Green Building Council and is proudly supported by ANZ.

Important information

ANZ Good Energy Home Loan: The ANZ Good Energy Home Loan is only available as a top up to your ANZ Home Loan and only for eligible ANZ Good Energy Upgrades. A maximum of $80,000 lending is available per customer. This offer is only available for a limited time only. After the special 3 year fixed rate, ANZ’s Home Loan floating interest rate will apply. ANZ will only draw down the loan when you provide a quote and a confirmed installation date from an eligible installer (for solar panels and solar batteries, this will need to be from a member of SEANZ). For hybrid and electric vehicles, this loan will draw down when you provide a purchase agreement from a registered motor vehicle trader. ANZ does not accept responsibility for the quality of any ANZ Good Energy Upgrades you purchase.

Offer subject to change. ANZ lending criteria, terms, conditions, and fees apply. Interest rates and fees are subject to change.  

If you do not pay amounts when they are due, we can charge you interest on those amounts at the default interest rate, which is your interest rate + 5.00% p.a.

This material is for information purposes only. We recommend seeking financial advice about your situation and goals before getting a financial product. To talk to one of our team at ANZ, please call 0800 269 296, or for more information about ANZ’s financial advice service or to view our financial advice provider disclosure statement see