Want better insulation? Better glazing? Better heating? These are just some of the ways you could help to make your home drier, warmer, or more energy efficient.
How about a better vehicle? Use an ASB Better Homes Top Up to purchase a hybrid or electric vehicle, which could help to reduce your day-to-day fuel costs.
Set your home up for the future, with an ASB Better Homes Top Up.
Top up your ASB Home Loan, up to $80,000, to make your home drier, warmer or more energy efficient or to purchase a hybrid or electric vehicle.
Fixed for 3 years
Min 20% equity
ASB Bank Limited’s lending criteria, terms and exclusions apply. Top up fee of $99 may apply. Rate, offer and fees may change. Refer to asb.co.nz for eligibility criteria and other fees and charges. At the end of the fixed rate period our Housing Variable Rate will apply. See asb.co.nz for details. An early repayment adjustment may apply if you break a fixed rate term.
Eligible Improvements and Purchases
Electric or hybrid vehicles purchased from a registered motor vehicle trader. Includes new or used battery electric vehicles (BEV's), plug-in hybrid electric vehicles (PHEV's) and hybrid vehicles.
Electric vehicle charging units, portable or wall-mounted.
Underfloor, ceiling or wall insulation, professionally installed.
Window glazing: double or triple glazed windows, or secondary glazing upgrades.
Heat pump system, which is installed in your home.
Wood burner or wood pellet burner, which meets any specific local council regulations.
Extractor Fans: A bathroom extractor fan or kitchen rangehood sending air to outside, not inside or ceiling space.
Ground moisture barriers, professionally installed.
Ventilation systems - positive or balanced pressure systems.
Heat pump water heaters
Solar hot water systems
Wetbacks
Solar panels, batteries and inverters installed by a member of Sustainable Electricity Association of New Zealand (SEANZ).
Solar hot water systems
Want to know more about top up options, check out our home loan top up webpage.
Are you eligible?
How it works
Exclusions
Complete the Homefit online check for tips on improving the health of your home. Developed by the New Zealand Green Building Council, this is a simple tool that produces a final report to help you prioritise the options for making your home warmer, drier, and more efficient.
Check out the GenLess website for more information about the changes you can make to your home, and what to look for in a hybrid or electric vehicle. You can also try these simple tips to make your home warmer, drier or more energy efficient.
Hold on to the heat in your home by insulating the room with good curtains and ensuring all doors and windows are shut when the sun goes down to keep the heat inside.
If possible, try to hang your washing outside on a washing line or on a movable rack in a sunny spot outside. Keep your dryer for rainy days or for if your socks and sheets need a final dry.
What may seem like the opposite of productive but in fact will help to avoid condensation and mould, is to open your doors and windows when you can in the morning.
No, the ASB Better Homes Top Up is not available for the restructure of existing ASB lending.
No, the ASB Better Homes Top Up is not available for construction loans. Once the construction of your residential property has been completed and your construction home loan has been fully advanced, then you may be eligible to apply for an ASB Better Homes Top Up.
At the end of the 3 year fixed rate period our Housing Variable (floating) Rate will apply. Alternatively, you can re-fix your ASB home loan rate online via ASB Home Central or through the ASB Mobile App. Read here for more information on home loan interest rates.
You may apply for another ASB Better Homes Top Up as long as the total balance of existing and new Better Homes Top Up loans does not exceed $80,000.
The ASB Better Homes Top Up is available for up to $80,000. You may apply for an additional home loan top up to cover the remaining balance, however the ASB Better Homes Top Up rate will not apply.
i. You may be eligible for the government's Warmer Kiwi Homes grant offered for insulation and heating.
ii. Local governments may also have grants available. Contact your local council or visit
their website for further details.
When paying tradespeople always ensure you check the invoice properly and make sure the details line up. We are aware of a scam where scammers create mock invoices pretending to be official tradespeople, so by double checking your invoice you’ll avoid falling victim to invoice fraud.
Start your home loan application online. We'll be in touch to complete the next steps with you.
Give yourself 5-10 minutes.
One of our team can meet at a time and place that suits you, or you can make an appointment to meet at an ASB branch.
You can pick up the phone and call one of our home lending team, weekdays 8:00am-6:30pm and on Saturday 8:30am-5:00pm.
+64 9 306 3000 for overseas
Existing customers can view and manage loans, apply for a top up and more.
The ASB Better Homes Top Up is only available to existing ASB Home Loan customers, for up to $80,000 and only for eligible improvements or purchases. This rate and offer is available for a limited time only and may change. At end of the fixed rate period our Housing Variable rate will apply. ASB does not accept responsibility for the quality of any ASB Better Homes Top Up eligible improvements or purchases.
ASB's lending criteria, terms, conditions and fees apply. Interest rates and fees are subject to change.
