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Healthy homes

We live in the best place in the world. But the places we live in aren't always built to suit New Zealand conditions.  Half of all Kiwi homes lack adequate insulation, which makes them cold, damp and expensive to heat. It's impacting our well-being, with 1 in 6 Kiwis affected by respiratory disease.

ANZ is committed to helping Kiwis live in warmer, drier homes. Because a home should be more than a place to live, but to thrive.

Here you can see the ways we are helping you into a warmer, drier and more energy efficient home. 

Mr. Humfreez by ANZ

Learn more about Mr. Humfreez, the little ram that helps you know when your home is too damp or too cold. 


Find out more

Interest-free home loan top ups for insulation and heat pumps

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

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.

You can apply for home loan top ups of up to $5,000 for insulation and up to $5,000 for heat pumps.

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 installer.

Call us to get started or to book an appointment with a Home Loan coach

Call 0800 269 4663

ANZ Healthy Home Loan Package

With an ANZ Healthy Home Loan Package, you’ll find buying, building or renovating a home to a 6 Homestar rating 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.

Call us to get started or to book an appointment with a Home Loan coach

Call 0800 269 4663


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

Interest-Free Home Loan 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 four interest-free loans per customer (two per security, up to two securities). 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 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/heat pumps or installation, so please take care selecting your insulation/heat pumps and installer.

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).

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.