Double glazing finance: 0% and 1% loans in New Zealand
Three banks lend for double glazing at rates you won't get anywhere else. Westpac offers 0% on up to $50,000 over five years, and BNZ and ASB offer 1% fixed for three years on top-ups of up to $80,000. The catch is the same at each: an existing home loan with that bank and about 20% equity. Checked 14 September 2026.
Below is every bank product we checked, what it covers and what you need to qualify, plus some cheaper ways to take the chill off in the meantime. For prices, see the double glazing cost guide, or head back to double glazing in Christchurch.
Bank top-ups that list double glazing
EECA's own summary lists ANZ, ASB, BNZ and Westpac as the banks with home-energy lending. Here's what each says on its product page. Checked 14 September 2026
| Bank | Product | Rate | Amount | Conditions |
|---|---|---|---|---|
| BNZ | Better Future home loan top-up | 1% p.a. fixed for 3 years | Up to $80,000 lifetime at that rate | BNZ standard home loan, at least 20% equity. Lists double, secondary or triple glazing |
| ASB | Better Homes Top Up | 1% p.a. fixed for 3 years, then ASB variable | Up to $80,000 per property-owning entity | Existing ASB home loan, 20% equity (30% for investors). Must be professionally installed, with quotes under 60 days old. ASB calls it a limited-time offer |
| Westpac | Greater Choices Home Loan | 0% for 5 years, repaid in full within 5 years | Up to $50,000 | Choices home lending of at least $150,000, 20% equity (30% for investors). 5% default interest if you miss repayments. Lists double glazing |
| ANZ | Good Energy Home Loan top-up | Not shown on ANZ's page when checked | $3,000 to $80,000, 3-year fixed | Existing ANZ home loan. Lists double, secondary or triple glazing. Ask ANZ for the current rate |
| Kiwibank | Sustainable Energy Loan | Variable | Not for glazing | Solar, wind, hydro and geothermal only. Does not cover glazing |
What they all want: an existing home loan with that bank and roughly 20% equity. Rates and caps change without notice. Re-check the bank's page before you rely on a figure here.
TSB, The Co-operative Bank, SBS and Heartland didn't show a glazing product when checked. That doesn't mean they don't have one, so ask if you bank with them. On a $15,000 retrofit, the difference between 1% and a standard personal loan or credit card is thousands of dollars over the term.
Is there a government grant?
No, not for windows, as at 14 September 2026. The main government home-energy scheme is EECA's Warmer Kiwi Homes. It pays 50 to 90% of ceiling and underfloor insulation, depending on your income and where you live, and a 90% contribution capped at $3,450 towards a high-wall heat pump for Community Services Card or SuperGold Combo holders and homes in the highest-need areas. You have to own and live in the home, and it has to have been built before 2008.
Windows, glazing, curtains and draught-stopping are not on the list, and the programme stopped funding wood and pellet burners in early 2026. If a quote mentions a subsidy for double glazing, ask which scheme it means.
Christchurch and Canterbury: advice, not money
Neither Christchurch City Council nor Environment Canterbury pays towards windows. They do offer free advice, and you may still hear about some older schemes.
- Available
CCC home energy check
Free in-home check through Community Energy Action, a Canterbury charity. Covers windows, curtains, heating, ventilation and draughts. Worth booking before you spend anything.
- Available
Community Energy Action curtain bank
Free used curtains for Canterbury homes.
- Closed 2021
Healthier Homes Canterbury (ECan)
Rates-based loan for heating, insulation and ventilation. Never covered windows.
- Heating only
ECan wood burner help
For replacing an expired wood burner in a clean air zone, for eligible owners.
Cheaper ways to get part of the benefit
These won't do what double glazing does, but they help while you save up, or in rooms you can't do yet.
Curtains closed before dark
EECA puts the saving at about $80 to $90 a year. Full-length and thermal-lined, with a pelmet, works best.
Window film kits
Shrink film stretched over the frame. EECA says it can cut heat loss almost as much as double glazing, but it lasts about a season and won't stick to aluminium.
Secondary glazing
A second pane inside the existing window. EECA lists it as the most cost-effective route if the windows are in good condition.
Stage the job
Start with the living areas and bedrooms. Small jobs cost more per pane, so price the whole house and the first stage together. See is retrofit double glazing worth it?
Renting? What Healthy Homes does and doesn't require
The Healthy Homes Standards don't require landlords to double glaze. The draught-stopping standard does require a rental to be free of unreasonable gaps and holes, including around windows, and the age of the house is no excuse. All private rentals should have complied since 1 July 2025. So a tenant can insist on draught seals around a rattling sash, but not on new glass.
Installer finance and deposits
Some installers offer their own finance. Compare it against a bank top-up before you take it: the rate, the fees, and what happens if an instalment is missed.
One installer network runs a deposit escrow scheme, holding the money in a trust account until the windows go into production. It's administered by that network rather than any regulator, so treat it as a feature of their offer rather than a guarantee.
Whatever the finance, the Building Act's consumer protections apply: implied warranties on every job, 12 months to report defects, and at $30,000 or more a written contract and disclosure statement before you sign. There's more on this in what a double glazing quote should include.
Sources, all opened 14 September 2026: bank product pages linked in the table · EECA, home energy loans · EECA, Warmer Kiwi Homes · EECA, window insulation · Christchurch City Council, home energy check · Community Energy Action · Tenancy Services, draught stopping · National Party, Home Energy Fund
Double glazing finance FAQ
Can I get a loan to install double glazing in NZ?
Possibly, if you have a home loan with the right bank and about 20% equity. BNZ and ASB offer 1% fixed for three years on top-ups of up to $80,000 that list double glazing, and Westpac offers 0% on up to $50,000 repaid over five years. ANZ's Good Energy top-up covers glazing too, but its rate wasn't shown when this page was checked. Terms change, so confirm with the bank before you sign anything with an installer.
What is the cheapest way to get double glazing?
Retrofit into sound frames, start with the living areas and bedrooms, and use a bank top-up if you qualify. Secondary glazing is cheaper again but less effective, and EECA's shrink-film kits cost almost nothing for a season. If the frames are rotten, though, skip the retrofit. New glass in a failing frame is money wasted.
Is there a government grant for double glazing?
No, as at September 2026. No central government, Christchurch City Council or Environment Canterbury scheme pays towards windows or glazing. The schemes that exist cover ceiling and underfloor insulation, heat pumps for eligible owners, and replacing old wood burners. Bank top-ups at 0 to 1% are the realistic route.
Find out what it'll cost before you talk to the bank
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