With such good deals going on, it would be a shame to miss out if you can't afford insulation right now. Fortunately we can help with that too. We've got a number of sensible options for how you can pay it off over time.
Targeted Rates Programme - Greater Wellington Region
This works out to be a generally easy and affordable option if you're in the Greater Wellington region. Basically any costs beyond what's covered by subsidy is paid for by the GWR Council. You then pay them back over time as this is added onto your rates. It works out to be about 8% in interest and is easy as.
Q card options available currently are:
36 months/Over 1000 days interest FREE - This gives you the option to set-up 36 fixed payments at No Deposit and No Interest for 36 months.
12 Month Interest Free and Payment Holiday option - “Pay nothing until Feb 2020”. This gives you an option to receive the Insulation and Installation with No Deposit, No Interest, and No Repayments for 12 Months.
More than just a card, a Q MasterCard combines the benefit of a credit card with a range of interest-free deals and payment holidays.
Apply for your Q MasterCard here. Or contact us for more information.
*Lending criteria, fees, terms and conditions apply. Rate and fees correct as at date of publication, subject to change.
Mortgage Top Up
This is probably your best deal. If you have a mortgage, most banks have agreed to top up your mortgage WITHOUT FEES for insulation packages. When you do the math on current mortgage interest rates, this is your cheapest finance option.
You could even put the money you save by having insulation onto your regular payments so you pay it off quicker!
ANZ's Interest-Free Loans For Warmer Homes
ANZ is offering an interest-free home loan top up of up to $5,000 per property secured with them to help insulate Kiwi homes. The top ups are available to homeowners and landlords who use a reputable insulation installer. Find out more at anz.co.nz/warmerhomes* Maximum of two interest free loans per customer. The interest-free home insulation loan offer is subject to ANZ’s lending criteria, terms, conditions and fees.