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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.

Government funded programmes (67% subsidies available now)

New grants covering two thirds of the cost of insulation are available now for low-income homeowners (owner-occupiers). Warmer Kiwi Homes is the the Government's new insulation programme, replacing Warm Up New Zealand: Healthy Homes. The programme now excludes landlords.

Homeowners with Community Services Cards, or living in an area deemed as lower-income are now eligible for grants covering 67% of the cost of ceiling and underfloor insulation. Book your free assessment now to have your home insulated under the new Warmer Kiwi Homes programme.

Eligibility Criteria

Warmer Kiwi Homes for Homeowners (Owner-Occupiers):

To be eligible for the 67% grant you must: 

  • be the homeowner (owner-occupier) and have a Community Services Card or SuperGold combo card, OR
  • own and be living in a home in an area identified as lower-income (New Zealand Deprivation Index decile 9 or 10 area) AND
  • own a home built before 2008.

Heating grants

Heating grants will be added from 1 July 2019 to align with the heating standards being developed under the Healthy Homes Guarantee Act. If your home is insulated and you meet the eligibility criteria, you will receive a grant (funding amount yet to be confirmed) for a heating appliance. It is possible to get a grant for insulation this year, then come back in 2019 to get a heating appliance installed using a heating grant.    

Find Out More

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

Community Funded Grants (75% discount or FREE)

For homeowner 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. Homeowner 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 Homeowner 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* (New Zealand Deprivation Index decile 9 or 10 area), 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 Homeowner owner-occupied
Homeowner owner-occupied properties All
Eligibility Criteria Homes with either:
- Community Services Card
- Property address in
Quintile 5.
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 67% Government Funding 

50% Community Funding
25% EnergySmart Discount
25% Homeowner 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.