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Major NZ banks offer green home loan top-ups specifically for solar — with rates as low as 1% p.a. fixed for 3 years. Plus Q Card 50 months interest-free on Solar Hub installs over $1,000.
You don't need to pay for solar upfront. Most of NZ's major banks now offer dedicated green home loan top-ups for solar — typically up to $80,000 at around 1% p.a. fixed for 3 years. You roll the cost onto your existing mortgage, and your power bill savings often cover (or exceed) the extra repayment from day one. Don't have a mortgage? Q Card gives you 50 months interest-free on installs over $1,000.
Compare green loan top-ups designed for solar, batteries and home energy upgrades. Eligibility, fees, terms and rates are set by each lender — confirm current terms direct with them.
BNZ's Better Future Home Loan Top-Up makes sustainable upgrades easy. Borrow at a discounted rate to fund solar, batteries, insulation, EVs and other approved energy improvements — with flexible terms after the initial fixed period.
ANZ's Good Energy Home Loan offers a 1.00% p.a. fixed rate for 3 years on up to $80,000. Use it to install solar, batteries or other approved energy improvements. Eligibility criteria apply.
ASB Better Homes Top Up offers a 3-year fixed rate to borrow up to $80,000 for home improvements or an EV purchase. Minimum equity and a solar installation quote required.
Transform your home with up to $50,000 interest-free for 5 years. Covers insulation, solar panels, batteries and eco-friendly electric transport upgrades for eligible Westpac home loan customers.
Kiwibank's Sustainable Energy Loan offers financing for renewable energy systems including solar. The top-up fee is waived for existing home loan customers — a great option if you already bank with Kiwibank.
Don't have a mortgage to top up? Q Card gives you 50 months interest-free on every Solar Hub install over $1,000. Apply online and use it the same day. Fees and lending criteria apply.
Lending criteria, fees, terms and conditions apply and are set by each provider. Rates and product details shown are indicative and can change at any time — always confirm current terms directly with the lender before committing.
Tell us your address and roughly what you spend on power. Our engineers design a system and send you exact pricing — all without anyone needing to visit.
We help you compare green loan options or set up Q Card. Most green loans take a week or two through your bank.
Typical install is one day. Your savings on power start the day it's switched on — often covering your loan repayment.
Prefer to pay outright? We split it into 3 fair stages so you're only paying for work that's been done.
Confirms your design and locks in your install slot.
Paid when your system is on the roof.
Balance on final inspection and Certificate of Compliance.
For many NZ homes the answer is yes, especially with a green loan at around 1% p.a. — but the honest answer is "it depends on your roof, your usage and your retailer." Your savings, your loan principal and your repayment all need to be modelled together. That's exactly what your free virtual proposal covers — we run the numbers against your actual power bill so you can see the real picture before committing to anything.
For BNZ, ANZ, ASB, Westpac and Kiwibank's green products — yes, they're top-ups on an existing home loan. If you don't have a mortgage, Q Card's 50 months interest-free is a strong alternative, with no equity required.
The top-up rolls onto your standard home loan rate. By that point, most customers have either paid the green portion down significantly with their power savings, or refinanced into a longer-term plan. Your bank will walk you through this when the fixed period ends.
Yes — every green loan listed above covers batteries. Adding a battery lifts the system cost and significantly improves your overnight self-consumption. See our Build Your System tool for our current battery add-on pricing, or your virtual proposal will confirm the exact cost and savings impact.
Most green loan top-ups take 1–2 weeks once you have your quote from us. We provide everything the bank needs — system spec, price, install timeline.
No. We don't take any commission or referral fee from the banks or Q Card. The price you see on your quote is the same whether you pay cash or finance.
Get your free virtual proposal — we'll show you what your system costs, what you'll save, and what your repayment looks like with each finance option.
