Healthy homes

We’ve got ways to help you have a home that’s warmer, drier and more energy efficient.

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

Up to $5,000 for insulation and up to $5,000 for heat pumps

With an interest-free home loan top up for four years 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 installer.

Call us to book an appointment with an ANZ Home Loan Coach

ANZ Healthy Home Loan package

With an ANZ Healthy Home Loan package, you’ll find owning a home with a Homestar rating of 6 or higher a little more affordable, with special discounts on home loan interest rates and other great benefits.

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

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

Fee savings

  • No Monthly Account fee on an ANZ Flexible Home Loan

ANZ Freedom account

  • No Monthly Account fee on ANZ Freedom accounts

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.

The hunt for Mr Humfreez

Mr Humfreez


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

Healthy home tips

Here are some simple tips for making your home warmer, drier and healthier.

Staying warm

Mind the gaps

Gaps around windows and doors can let cold air and moisture in – and let heat out. Consider buying or making draught stoppers to cover any gaps. 

Draw the curtain on heat loss

Stop heat escaping through windows by insulating them with good curtains. You’ll get the best results if your curtains have a double layer, are flush to the wall on both sides and touch the ground, or hang on closed curtain tracks.

Let the sunshine in

Sunshine is a free heat source, so open your curtains or blinds fully during the day. Make sure you close them as it gets cold or dark  to keep that heat in.

Pump it up

If you can, heat your home regularly through winter to keep it warmer and drier. Heat pumps are the best, most efficient heating option. 

Staying dry

Open wide

It may seem counter-productive, but opening your windows (and doors) wide for half an hour a day lets moist air out and fresh, dry air in. That makes it easier to heat your home - and helps stop mould forming. 

Keep a lid on it

When you’re cooking, put lids on pots and pans to avoid steam escaping.

Hit the fan

Your home should have extractor fans in bathrooms and cooking areas – make sure you use them to get steam and moist air out of your home. 

Get out more

Drying your washing outside not only saves you money, it also keeps your home drier - one load of washing can release several litres of water into the air. If you do use a dryer, make sure it’s ventilated to the outside.

Go with the flow

Clear your gutters or spouting regularly to ensure water flows away from your property – not into it. 

Wipe it away

If you have condensation on your windows or walls, wipe it up with a towel or cloth.

Put the acid on mould

If you have mould, stop it spreading by cleaning it thoroughly using soap and water, vinegar (ensuring to clean the vinegar off well afterwards), or methylated spirits.


Want to find out how warm, safe and dry your home is? Complete a free online HomeFit property check.

Healthy Homes webinar

In our Healthy Homes webinar, you’ll hear about:

  • How ANZ could help you into a healthier home
  • The different types of insulation and heat pumps, and how your family could benefit
  • What a Homestar rating of 6 or more means and the benefits for homeowners.

Register now


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.

HomeFit logo

Frequently asked questions

ANZ customers.

If your house was built before 2007, then it may be underinsulated or un-insulated and therefore may be colder than newer houses. Houses built after 2007 should be fully insulated.

• You have provided ANZ with a mortgage over the house you want insulated or heat pump/s installed in.

• You have not previously had an interest-free loan for the same purpose (i.e. a loan for insulation or a loan for heat pump/s) for the same property.

• You satisfy the requirements of our lending criteria.

Only existing customers are eligible, however if you transferred your lending and gave ANZ a mortgage over the house you want insulated or heat pump/s installed in, you would become eligible to apply.

You can apply for only two interest-free loans per residential security held with ANZ – one for insulation and one for a heat pump. This offer is limited to two securities, therefore a maximum of four loans.

Each loan is limited to a maximum of $5,000 or the value of the quote, whichever is lower.

You can apply the following calculation, take the total loan amount and divide it over the exact period taken to repay it. For example, if you were to take out the maximum loan of $5,000 over four years, your repayments would be approximately $50 each fortnight.

• There are no application or establishment fees.

• Other fees and charges may apply. See rates, fees and agreements for a full list of fees and charges.

Call us on 0800 269 4663 or book an appointment with an ANZ Home Loan Coach at any ANZ branch. We will walk you through the home loan top up application process and any additional information you will need to provide to make sure it is affordable to you.

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

To qualify for an interest-free home loan top up you must install a fixed single-split heat pump system, multi-split heat pump system or a ducted heat pump system for heating your home. Other types of heat pumps, such as portable heat pumps and heat pump water heaters, are not eligible.

No. You must get a reputable installer to install the insulation and/or heat pump/s to qualify for the loan.

A company that installs insulation and/or heat pumps as part of its usual business. The quote must be on letterhead or be an email from a business email address.

No. This loan is specifically for installing insulation into the walls, floors and ceilings and/or the purchase and installation of a heat pump.

No, regular principal repayments are required over the term of the loan.

The maximum term you can have is four years. If you want a shorter term you can choose from 6, 12, 18, 24 or 36 month fixed periods.

Yes you can, but please note that once you make the payment you are unable to redraw the funds again later.

Yes you could.

The offer is available until the $100M has been used or until the bank withdraws the offer.

Yes, but only $5,000 will be interest-free. The remaining $3,000 of the quote will be subject to our lending criteria and interest rates advertised at the time.

Yes, but only if they are on the same quote and only $5,000 will be interest-free. Any remaining balance will be subject to our lending criteria and interest rates advertised at the time.

No, you can’t combine the interest-free loans. Only $5,000 of the insulation quote will be eligible for an interest-free top up loan the remaining $2,000 will be subject to our interest rates advertised at the time. The $3,000 quote for a heat pump will be eligible for the interest-free top up offer.

• You may be eligible for a Government Warmer Kiwi Homes grant covering almost all of the cost of ceiling and underfloor insulation and some heaters. 

• Local governments may also have grants available and customers can contact their council or visit their council website for further details.

Call us to get started

Important information

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 Loan Package: Account eligibility, lending criteria, terms, conditions, fees, and exclusions apply. ANZ Healthy Homes Loan Package Terms and Conditions (PDF 230KB).

Interest rates and fees are subject to change.  Read more about our Rates, fees and agreements.

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. 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