ANZ Wants to Warm Your Home … Interest Free


Many Kiwis live in homes that are simply too cold, damp and breezy. ANZ have heard our cries and are offering homeowners a sweet little deal to warm your wallet as well as your castle.  


In recent years, we’ve all cottoned on to the fact that damp, draughty homes are not acceptable. This has seen much discussion in the media around rentals and the need for landlords to stump up and properly insulate their tenants’ homes.


However, the question of house quality spans beyond rentals to owner-occupies as well. In 2018, ANZ pledged $100 million worth of $5000 interest-free loans for ANZ customers to insulate their homes. The great news in 2019 is that ANZ’s Healthy Home Loan scheme to improve the health of New Zealand homes continues.


Whether you have a reasonably new home, are renovating your existing home or building a new home, ANZ's aim, it seems, is to encourage you to have a healthier home. And, of course, it’s also an enticing carrot to get you to switch allegiances with your banking provider.


So, what are the three aspects of your home that are considered under this loan scheme?

  1. Dryness (ventilation, dampness)

  2. Warmth (heating, insulation)

  3. Safe & Efficient (smoke alarms, water, energy-efficiency)


What are the benefits of a Healthy Home Loan with ANZ?

  • Interest rate discounts (off standard rates)

    • Fixed rate discount of 0.70% p.a.

    • Floating rate discount of 1.00% p.a.

    • Flexi rate discount of 1.00% p.a.

  • They'll waive the account fees on your Flexi Home Loan, Freedom (everyday) Account & Personal Credit Card


To get a Healthy Home Loan with ANZ, the first step is to get your Homestar Rating of 6 or higher. There are two steps to this:

  1. Complete a HomeFit online check (

  2. A HomeFit assessor will visit your property and, if it's up to scratch, will provide you with a HomeFit Certification. The assessors visit will cost approximately $300.


If you're unsure if this package, or ANZ full stop, is the right move for you, give us a call and we can help you understand the details and size it up to make sure it will fit your needs.


No investment decision should be taken based on the information in this blog alone. A disclosure statement is available free of charge upon request.