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Insulation Subsidies & Grants

Insulate now and make the most of funding options available to you!

Community trusts, local health boards and the government recognise the significant benefits of insulation, and have made funding available to homeowners to help bring New Zealand housing up to a healthy standard for living.


Warm Up New Zealand: Healthy Homes (50% subsidy available now)

For landlords & low-income home owners only (must be installed before 30th June 2018)

Warm Up New Zealand: Healthy Homes is a new two-year government programme, available to low-income home owners in addition to landlords with low-income or high health need tenants.

EnergySmart is an approved provider of the Government’s Warm Up New Zealand: Healthy Homes programme for both ceiling and underfloor insulation. Grants cover 50% of insulation costs for properties built before 2000, where the tenants or home owners are on a low income.

Who is eligible?

  • You must be a home owner or landlord.
  • The property must have been built before 2000.
  • The home owner or tenant must have a valid Community Services Card (CSC), or CSC-endorsed SuperGold Card; or
  • The tenant or home owner's income is just above Community Services level and they have high health needs related to cold, damp housing.

Find Out More


You and your family could be eligible for insulation subsidies and grants.


Community Funded Grants (50-75% discount or FREE)

For home owner-occupiers only

We’re committed to bringing insulation to all New Zealanders. So EnergySmart has secured community funding to ensure low-income owner-occupiers have access to subsidised insulation. Home owner-occupiers on low incomes can receive community funding to cover between 50% and 100% of the cost of insulating their ceiling. 

Here is an indicative break-down of the funding:

  • 50% Community Funding
  • 25% EnergySmart Funded Discount
  • 25% EECA or Home owner contribution

Please note the funding break-down could vary from that indicated above.

Who is eligible?

  • The owner-occupier has a Community Services Card (CSC) or CSC-endorsed SuperGold Card, or
  • The owner-occupier lives in an address deemed as Quintile 5* (only applicable in some regions), and/or
  • One or more occupants are at risk of developing, or have a pre-existing health condition, affected by cold, damp housing and have been referred by a health professional (see High Health Needs below).

Acceptance of funding is at the discretion of EnergySmart. Terms and conditions apply.

*The suburbs with the highest levels of deprivation or generally poorest suburbs.


Funding for High Health Needs

For those with high health needs only

EnergySmart has teamed up with numerous regional health networks and district health boards to reduce sickness, hospitalisation and mortality within our communities. We’re achieving this by providing highly subsidised home insulation to those in need.

Who is considered to have High Health Needs?

Those homes that meet one or all of the below criteria may be eligible:

  • Homes that have been referred by a health professional
  • Homes housing children under 17 years of age
  • Homes with adults over 65 years of age or a Community Services Card

Please note the eligibility criteria can vary by region.

What’s the role of the health professional?
Health professionals regularly deal with patients suffering because of poorly insulated housing. If you are a health professional, you can help us connect with these people in most need. We’ve designed an easy-to-use ‘Prescription for Insulation’ referral process that you can use to identify and refer any patients suffering from the effects of living in an un-insulated house.

To receive a High Health Needs grant for yourself or someone you know, simply:

  1. Identify a patient that has health problems that are affected by a poorly insulated house.
  2. Check that your patient is eligible.
  3. Complete and sign the ‘Prescription for Insulation’ form and use our freepost self-addressed envelopes to post the prescription to us.


To find out more about various discounts, grants and subsidies that may apply to you, call us on 0800 777 111 or book your free home assessment.


Funding Type Government Grant Community Funded High Health Needs
Property Type Landlord rental &
home owner-
Home owner-occupier All
Eligibility Criteria Home owner or
tenant must have
a Community
Services Card
Homes with either;
- Community Services Card
- Property address in
Quintile 5.
Homes with either;
- A professional referral
- Children under age 17
- Adults over age 65
- Community Services Card
Cost/Funding 50% Funding
50% Landlord or
home owner

50% Community Funding
25% EnergySmart Discount
25% EECA or Home owner contribution

Dependent on assessment.
Insulation Type Ceiling & Underfloor Ceiling Only Ceiling & Underfloor


Book an assessment

Contact us to find out if you are eligible for an insulation subsidy or grant.