At Apex Advice, we believe that financial wellbeing and environmental sustainability go hand in hand. One of the most impactful ways Kiwis are helping accelerate the clean energy transition is by choosing green home loans, a financial tool that supports energy-efficient upgrades at a low cost with low-emission technologies in homes across Aotearoa top of mind.
What are green home loans?
Green home loans, also known as eco or sustainable home loans, offer favourable lending terms for properties that meet specific environmental criteria. Whether you’re building, buying or renovating, these loans can support projects that:
- Reduce household emissions
- Lower energy usage and power bills
- Improve air quality and home comfort
It’s a powerful way to take climate-conscious action while investing in your home and future.
Your options in New Zealand
More lenders are now offering climate-conscious mortgage products that make sustainable living more affordable and accessible. These may include:
- Reduced interest rates for sustainable upgrades
- Interest-free loans for eco-friendly renovations
- Support for new builds that meet green building standards
Depending on the lender, some green loans offer interest rates as low as 1% to 4%, or include interest-free periods of up to five years. This can make a big difference when financing upgrades such as:
- Solar panels
- Insulation and double glazing
- Heat pumps and ventilation systems
- Energy-efficient lighting and appliances
- Electric vehicles and EV chargers
These upgrades don’t just reduce emissions; they can also lower your power bills and add value to your home.
Some government-backed initiatives are also available to encourage greener building and renovation practices, particularly in social housing and community developments.
Why green loans matter
Green home loans don’t just help homeowners save money, they contribute to a more sustainable Aotearoa. By aligning your home financing with your environmental goals, you’re playing a part in the country’s journey toward a low-carbon future.
Some of the long-term benefits of energy-efficient upgrades include:
- Reduced energy costs
- Improved home health and comfort
- Increased property value
- A lower carbon footprint
Choosing a green loan is one of many ways to support sustainability in your everyday life.
Let’s build a financially and environmentally resilient future
At Apex Advice, we’re here to help you make choices that benefit both your wallet and the world. We can help you explore your options, compare what’s available, and find a solution that suits your goals, whether you’re buying your first home, upgrading to something more efficient, or planning an eco-conscious renovation.
Get in touch with one of our advisers today to find out how a green home loan could work for you.
Let us get the best home loan deal for you
