Switching to solar power not only reduces your reliance on the grid but also saves you money on rising energy costs. While the upfront investment used to be a hurdle for many, now you can easily fund your solar system with a green home loan from New Zeland’s top banks or through interest-free options like Qcard. With low or no interest rates, going solar is more affordable than ever.
Now is the time to invest in solar energy for your home and business. Contact our team for expert guidance and start saving today!
Take the hassle out of financing your solar system with green home loans. With many banks offering competitive rates, you can enjoy the benefits of solar power without the upfront investment. Our team of experts is here to guide you through the process and help you make the best decision for your home.
ANZ Good Energy Home Loan
ANZ’s Good Energy Home Loan provides up to $80,000 for solar panel installations and other home improvements. Enjoy a fixed rate for 3 years, making your home eco-friendly and efficient. Eligibility criteria apply.
ASB Better Homes Top Up
ASB Better Homes Top Up lets you borrow up to $80,000 for solar panels and home upgrades, fixed for 3 years. Make your home greener with ease. Minimum equity required, along with quotes for solar installations. Exclusions and conditions apply.
BNZ Green Home Loan Top-ups
BNZ Green Home Loan Top-Ups for Solar and Eco-Upgrades: Finance sustainable changes with up to $80,000 at 1% p.a. fixed rate for 3 years. Improve insulation, ventilation, heating, and go green with electric vehicles. Flexible terms after 3 years.
Kiwibank Sustainable Energy Loan
Kiwibank Sustainable Energy Loan: Unlock up to $2,000 over 4 years for solar and more. No top-up fee for existing customers. Embrace sustainable energy now.
Westpac Greater Choices Home Loan
Westpac Greater Choices Home Loan for Solar and Beyond Elevate your home with up to $50,000 interest-free for 5 years. Enhance insulation, install solar panel, go green with electric transport. Flexibility and no establishment fees make it ideal for creating a more sustainable home and lifestyle.
| Minimum Spend | Fees | Repayment Amount | Lightforce Solar Finance Fee | Full Terms & Conditions | Apply/More Information | |
|---|---|---|---|---|---|---|
| 6 Months – No deposit, no interest, no surcharge. | $500 | Annual cardholder fee $50 (payable in 2 x $25 6-monthly instalments). | No Interest or Payments for the first 6 months. There are no early repayment fees. | 0.00% | No payments and no interest for 6 months (“Payment Holiday”) is available on Long Term Finance (LTF) for in-home purchases only. Min Spend $500. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions. Standard Interest Rate of 28.95% p.a. applies to outstanding balance at the end of LTF Interest Free Period. Rates and fees correct as at date of publication, subject to change. Columbus Financial Services Limited and Consumer Finance Limited reserve the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice. | qmastercard.co.nz farmersmastercard.co.nz flightcentremastercard.co.nz |
| Minimum Spend | Fees | Repayment Amount | Lightforce Solar Finance Fee | Full Terms & Conditions | Apply/More Information | |
|---|---|---|---|---|---|---|
| 12 Months – No interest | $500 | New Customers: $55 establishment fee | Existing Customers: $35 advance fee Annual cardholder fee $50 (payable in 2 x $25 6-monthly instalments) | Minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required. | 2.95% | 12 months interest free is available on Long Term Finance (LTF) for in-home purchases only. Min spend $500. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions. Min payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout interest free period. Paying only the minimum monthly payments will not fully repay the loan before the end of the interest free period. Standard Interest Rate of 28.95% p.a. applies to outstanding balance at the end of LTF Interest Free Period. Rates and fees subject to change. Columbus Financial Services Limited and Consumer Finance Limited reserve the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice. | qmastercard.co.nz farmersmastercard.co.nz flightcentremastercard.co.nz |
| Minimum Spend | Fees | Repayment Amount | Lightforce Solar Finance Fee | Full Terms & Conditions | Apply/More Information | |
|---|---|---|---|---|---|---|
| 18 Months – no interest | $500 | New Customers: $55 establishment fee | Existing Customers: $35 advance fee Annual cardholder fee $50 (payable in 2 x $25 6-monthly instalments) | Minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required. | 4.00% | 18 months interest free is available on Long Term Finance (LTF) for in-home purchases only. Min spend $500. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions. Min payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout interest free period. Paying only the minimum monthly payments will not fully repay the loan before the end of the interest free period. Standard Interest Rate of 28.95% p.a. applies to outstanding balance at the end of LTF Interest Free Period. Rates and fees subject to change. Columbus Financial Services Limited and Consumer Finance Limited reserve the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice. | qmastercard.co.nz farmersmastercard.co.nz flightcentremastercard.co.nz |
| Minimum Spend | Fees | Repayment Amount | Lightforce Solar Finance Fee | Full Terms & Conditions | Apply/More Information | |
|---|---|---|---|---|---|---|
| 24 Months – no interest | $500 | New Customers: $55 establishment fee | Existing Customers: $35 advance fee Annual cardholder fee $50 (payable in 2 x $25 6-monthly instalments) | Minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required. | 6.50% | 24 months interest free is available on Long Term Finance (LTF) for in-home purchases only. Min spend $500. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions. Min payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout interest free period. Paying only the minimum monthly payments will not fully repay the loan before the end of the interest free period. Standard Interest Rate of 28.95% p.a. applies to outstanding balance at the end of LTF Interest Free Period. Rates and fees subject to change. Columbus Financial Services Limited and Consumer Finance Limited reserve the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice. | qmastercard.co.nz farmersmastercard.co.nz flightcentremastercard.co.nz |
| Minimum Spend | Fees | Repayment Amount | Lightforce Solar Finance Fee | Full Terms & Conditions | Apply/More Information | |
|---|---|---|---|---|---|---|
| 36 Months – No interest | $500 | New Customers: $55 establishment fee | Existing Customers: $35 advance fee Annual cardholder fee $50 (payable in 2 x $25 6-monthly instalments) | Minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required. | 8.00% | 36 months interest free is available on Long Term Finance (LTF) for in-home purchases only. Min spend $500. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions. Min payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout interest free period. Paying only the minimum monthly payments will not fully repay the loan before the end of the interest free period. Standard Interest Rate of 28.95% p.a. applies to outstanding balance at the end of LTF Interest Free Period. Rates and fees subject to change. Columbus Financial Services Limited and Consumer Finance Limited reserve the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice. | qmastercard.co.nz farmersmastercard.co.nz flightcentremastercard.co.nz |
| Minimum Spend | Fees | Repayment Amount | Lightforce Solar Finance Fee | Full Terms & Conditions | Apply/More Information | |
|---|---|---|---|---|---|---|
| 36 Months no interest, No deposit and a 12 Month payment holiday available | $500 | New Customers: $55 establishment fee | Existing Customers: $35 advance fee Annual cardholder fee $50 (payable in 2 x $25 6-monthly instalments) | Minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required. | 5.95% | *No payments and no interest until MONTH YEAR (“Payment Holiday”) is available on Long Term Finance (LTF) for in-home purchases only until 31/03/26. Min Spend $500.00 Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. $55 Establishment Fee applies to your first Long Term Finance (LTF) transaction, $35 Advance Fee applies to subsequent LTF transactions. Standard Interest Rate of 28.95% p.a. applies to outstanding balance at the end of LTF interest free period. Other interest rates and fees may apply. Rates and fees correct as at date of publication, subject to change. New customers need to apply and be approved for a Q Mastercard credit card. Columbus Financial Services Limited and Consumer Finance Limited reserve the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice. | qmastercard.co.nz |
| Minimum Spend | Fees | Repayment Amount | Lightforce Solar Finance Fee | Full Terms & Conditions | Apply/More Information | |
|---|---|---|---|---|---|---|
| 48 Months – No interest | $500 | New Customers: $55 establishment fee | Existing Customers: $35 advance fee Annual cardholder fee $50 (payable in 2 x $25 6-monthly instalments) | Minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required. | 10.00% | 48 months interest free is available on Long Term Finance (LTF) for in-home purchases only. Min spend $500. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions. Min payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout interest free period. Paying only the minimum monthly payments will not fully repay the loan before the end of the interest free period. Standard Interest Rate of 28.95% p.a. applies to outstanding balance at the end of LTF Interest Free Period. Rates and fees subject to change. Columbus Financial Services Limited and Consumer Finance Limited reserve the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice. | qmastercard.co.nz |
A Green Home Loan is a special financing option offered by banks to help Kiwis make energy-efficient and eco-friendly upgrades to their homes. These loans often provide low or zero-interest top-ups on existing mortgages, making it more affordable to invest in solar power, battery storage, and other sustainable improvements. It’s an easy way to reduce energy costs while supporting a greener future.
Currently, there are no government subsidies for solar installations in New Zealand. However, many banks offer Green Home Loans, which provide zero to low-interest financing for energy-efficient home upgrades, including solar. These loans make it easier and more affordable for Kiwis to switch to solar with no upfront costs, helping more households enjoy the benefits of clean, cost-saving energy.
Yes, a solar power system can increase the value of your home. Homes with solar are often more attractive to buyers as they offer lower energy costs, energy independence, and a sustainable power source. Studies show that properties with solar tend to sell faster and at a premium compared to those without. Research from Homes.co.nz shows that homes with solar sell for an average of 4.4% more. Investing in solar is not only a smart way to reduce power bills but also a valuable long-term asset for your home.
No, a battery is not required to install a solar system, but it can enhance the benefits. Without a battery, your system will power your home during the day, and any excess energy will be sent back to the grid. Adding a battery allows you to store surplus energy for use at night or during power outages, increasing energy independence and maximising savings. Whether a battery is the right choice depends on your energy needs—our team can help you decide the best setup for your home.
