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Healthy homes

We're committed to helping more Kiwis enjoy a healthier place to live.

Check out our range of initiatives to help you into a warmer, drier and more energy efficient home. Healthier for you and your family, healthier for your pocket and healthier for the environment.

ANZ Healthy Home Loan Package

With an ANZ Healthy Home Loan Package, you’ll find buying, building or renovating a home to 6 Homestar or higher a little more affordable, with special discounts on home loan interest rates and other great benefits.

A 6 Homestar rating or higher provides assurance that a house will be warmer, healthier, more environmentally sustainable and cost less to run than a typical new house built to New Zealand Building Code.

You can apply for the Healthy Home Loan Package if you’re buying, building, renovating, or already own a home to a 6 Homestar rating or higher. You also need to have your full salary or wages credited to an ANZ personal banking account. 

Package benefits

ANZ home loans

Save with interest rate discounts

  • Fixed rate: 0.70% p.a. discount (applied to new fixed-rate periods only)
  • Floating rate: 1.00% p.a. discount
  • Flexible rate: 1.00% p.a. discount

Fee savings

  • No application fee, if you ask at application
  • No Monthly Account fee on an ANZ Flexible Home Loan

Discounts are off our standard interest rates and don’t apply to bridging (tideover) finance

ANZ Freedom account

Transaction and non-standard fees may apply.

ANZ personal credit card

  • No Annual fee (including additional card fee) on an ANZ personal credit card

Transaction and non-standard fees may apply.

Get started

Call 0800 269 4663Walk into any ANZ branch

Home insulation top ups

We've pledged $100 million of interest-free lending to help insulate Kiwi homes.

Did you know your house could be under insulated or not insulated at all if it was built before 2007?

With an interest-free home loan top up for 4 years of up to $5,000, you can look forward to a warmer home with lower energy costs too.

We'll walk you through the home loan top up application process and any additional information you'll need to provide to make sure it is affordable to you.

Before we can complete your application, you'll also need to provide us with a quote and an installation date from a reputable insulation installer.

Get started

Call 0800 269 4663Walk into any ANZ branch

HomeFit

HomeFit is a straightforward way to check if a home is warm, safe and dry. 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.

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

Check a property

Important information

ANZ Healthy Home Loans package: Account eligibility, lending criteria, terms, conditions, fees, and exclusions apply. ANZ Healthy Homes Banking Package Terms and Conditions (PDF 728kB).

Home Insulation Top-ups: This offer is available for a limited time only. ANZ’s lending and security criteria, terms, conditions, and fees apply. An interest-free top up of up to $5,000 for each residential property that secures your home loan is available, with a maximum of two interest-free loans per customer. Loans must be fully repaid within four years and ANZ will not extend the loan unless there is unforeseen hardship. ANZ will only draw down the loan when you provide a quote for the home insulation and a confirmed installation date from a reputable installer. While ANZ wants you to be warm and cosy, we do not accept responsibility for the quality of the insulation or installation, so please take care selecting your insulation and installer.

Interest rates and fees are subject to change.

A copy of the Bank's General Disclosure Statement under the Reserve Bank of New Zealand Act 1989 is available on this website or on request from any ANZ branch, free of charge.

This material is for information purposes only. Its content is intended to be of a general nature, does not take into account your financial situation or goals, and is not a personalised financial adviser service under the Financial Advisers Act 2008. It is recommended you seek advice from a financial adviser which takes into account your individual circumstances before you acquire a financial product. An ANZ Authorised Financial Adviser will, on request and free of charge, provide you with his or her disclosure statement prepared under the Financial Advisers Act 2008. If you wish to consult one of ANZ's financial advisers, please contact us on 0800 269 296.