Want a warmer, healthier, more energy efficient home with less impact on the planet? Our ANZ Good Energy Home Loan top up could help. Start your journey to a more energy efficient home with our great rate.
ANZ Good Energy Home Loan
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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 for loan amounts of $3,000 to a maximum value of $80,000 to buy any of these ANZ Good Energy Upgrades for your home:
Energy efficiency upgrades
Heat pumps
A fixed single-split heat pump system, multi-split heat pump system or a ducted heat pump system for heating your home.
Insulation
Ceiling, underfloor and/or wall insulation.
Glazing
Double, secondary or triple glazing.
Ventilation
Positive or balanced pressure ventilation systems, including heat recovery options.
Water heating systems
Heat pump water heaters or solar water heaters.
Visit Solar Association for a list of solar heating quality standards, products, suppliers and installers.
For more information on how these energy efficient upgrades may help make your home more energy efficient, visit Gen Less.
Clean transportation upgrades
Hybrid and electric vehicles
New or used electric, hybrid or plug-in hybrid vehicles purchased from a registered motor vehicle trader (this will exclude vehicles purchased from a private seller).
Electric vehicle chargers
Portable, single-phase wall mounted, or three-phase wall mounted electric vehicle chargers.
For more information on which vehicles may be eligible, visit Rightcarand filter your search by electric and hybrid fuel types.
Electric bikes
New or used electric bikes (e-bikes).
For more information on electric bikes, check out Gen Less.
Renewable energy upgrades
Solar panels
Solar Photo-Voltaic (PV) systems and all related project costs and installations for residential purposes only such as consulting, planning and consenting, site preparation, related charging infrastructure, connectivity to grid and labour.
Solar batteries
Lithium ion or lead-acid based solar batteries (including the cost of inverters and other necessary technologies).
For more information on how these renewable energy upgrades may help make your home more energy efficient, visit Sustainable Energy Association of New Zealand (SEANZ).
Sustainable water upgrades
Rainwater tanks
Home water tanks and any related components such as leaf guards, filters, and connections to indoor plumbing systems.
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 e-bikes: a quote provided by a company that supplies the solution as a normal part of their business.
- 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
Top tip
Each house and household will have different needs. The best way to work out what is right for you is to do independent research. We suggest you consider a HomeFit online check or in-person assessment.
Apply online
Apply for an ANZ Good Energy Home Loan via the home loan top up form on ANZ Internet Banking or goMoney.
Apply via Internet Banking now
Call us
Call us to book an appointment with one of our ANZ Home Loan Coaches.
Monday to Friday, 8am-7pm
Saturday and Sunday, 9am-5pm
0800 269 4663
From overseas: +64 4 470 3165
Switch to ANZ
You need a home loan with ANZ to take up this offer.
Talk to one of our Mobile Mortgage Managers at a time and place that is convenient to you, or apply to switch online.
Find a Mobile Mortgage Manager
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.
- There’s a minimum loan amount of $3,000 for each ANZ Good Energy Home Loan top-up.
- 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 that have already been purchased, unless otherwise agreed by ANZ.
- 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.
- 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.
Good energy upgrade toolkit
Not sure where to start? Here are some resources in our toolkit to help you.
Good energy upgrade guides
Whether you’re looking to save money on power bills, make your home more comfortable to live in, or reduce your impact on the environment, these guides can help show you how.
Read our good energy upgrade guides
How to make your home more energy efficient
A room-by-room guide to a healthier, more energy efficient home – from easy fixes to longer-term investments.
Make your home more energy efficient
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,or a quote from a reputable retailer for e-bikes. ANZ does not accept responsibility for the quality of any ANZ Good Energy Upgrades you purchase.
Offer subject to change.Minimum 20% equity required for clean transportation upgrades. ANZ lending criteria, terms, conditions, and fees apply. Interest rates and fees are subject to change. ANZ may apply discretion when assessing applications and reserves the right to decline applications or ask for more information if ANZ believes your intended purchase isn’t an ANZ Good Energy Upgrade.
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 anz.co.nz/fapdisclosure
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ANZ Good Energy Home Loan
The ANZ Good Energy Home Loan is a unique offering from ANZ that aims to help homeowners make their homes more energy efficient and environmentally friendly. This loan allows existing ANZ home loan customers to top up their loan at a fixed rate for 3 years, up to $80,000, specifically for the purpose of making energy-efficient upgrades to their homes. The loan is not available for business purposes or for new builds.
Eligible Upgrades
The ANZ Good Energy Home Loan can be used to purchase a variety of energy-efficient upgrades for the home, including:
- Energy Efficiency Upgrades: Such as heat pumps, insulation, glazing, ventilation, and water heating systems.
- Clean Transportation Upgrades: Including hybrid and electric vehicles, electric vehicle chargers, and electric bikes.
- Renewable Energy Upgrades: Such as solar panels and solar batteries.
- Sustainable Water Upgrades: Including rainwater tanks.
Application Process
To apply for the ANZ Good Energy Home Loan, customers need to provide documentation specific to the type of upgrade they are seeking. For example, for hybrid and electric vehicles, a purchase agreement from a registered motor vehicle trader is required. Similarly, for solar panels and solar batteries, a quote from a company that's a member of the Sustainable Energy Association of New Zealand (SEANZ) and an installation date are necessary.
Additional Information
- Customers can apply for more than one ANZ Good Energy Home Loan, provided the total amount doesn’t exceed $80,000.
- There's a minimum loan amount of $3,000 for each ANZ Good Energy Home Loan top-up.
- As customers pay off their ANZ Good Energy Home Loan, they may be able to replenish the amount of lending they can borrow under this offer.
- The maximum loan term is 30 years, and during the fixed rate period, there are limitations on making extra repayments without incurring charges.
Important Considerations
It's important to note that the ANZ Good Energy Home Loan is subject to ANZ lending criteria, terms, conditions, and fees. Customers are advised to seek financial advice about their situation and goals before getting a financial product.
For more detailed information, customers can visit the ANZ website or contact ANZ directly for assistance with the application process and eligibility criteria.
