Solar Finance Made Easy
Explore financing options for your solar journey, including green loans with competitive rates and interest-free options like Qcard. Now is the time to invest in solar energy for your home or business. Contact our team for expert guidance and start saving today!
How can you Finance your Solar?
Switching to solar power not only reduces your reliance on the grid but also saves you money on rising energy costs. While the upfront investment used to be a hurdle for many, now you can easily fund your solar system with a green home loan from New Zealand’s top banks or through interest-free options like Qcard. With low or no interest rates, going solar is more affordable than ever.
Why finance a Solar System?
No Upfront Payments
Reduced Reliance on the Grid
Increased Home Valuation
A Smart Investment
Green Loans
Interest Free Finance Options
Finance your Solar for $0 upfront with green loans
Take the hassle out of financing your solar system with green home loans. With many banks offering competitive rates, you can enjoy the benefits of solar power without the upfront investment. Our team of experts is here to guide you through the process and help you make the best decision for your home.
*80% average savings on your power bill
ANZ Good Energy Home Loan
1.00% P.A. fixed rate for 3 years, up to $80,000.
ANZ’s Good Energy Home Loan provides up to $80,000 for solar panel installations and other home improvements. Enjoy a fixed rate for 3 years, making your home eco-friendly and efficient. Eligibility criteria apply.
ASB Better Homes Top Up
Up to $80,000 for home improvements or EV purchase, 3-year fixed rate.
ASB Better Homes Top Up lets you borrow up to $80,000 for solar panels and home upgrades, fixed for 3 years. Make your home greener with ease. Minimum equity required, along with quotes for solar installations. Exclusions and conditions apply.
BNZ Green Home Loan Top-ups
Borrow up to $80,000 at a 1% p.a. fixed rate for eco-upgrades and EVs. Flexible terms.
BNZ Green Home Loan Top-Ups for Solar and Eco-Upgrades: Finance sustainable changes with up to $80,000 at 1% p.a. fixed rate for 3 years. Improve insulation, ventilation, heating, and go green with electric vehicles. Flexible terms after 3 years.
Kiwibank Sustainable Energy Loan
Up to $2,000 for renewable systems, waived top-up fee for existing home loan customers.
Kiwibank Sustainable Energy Loan: Unlock up to $2,000 over 4 years for solar and more. No top-up fee for existing customers. Embrace sustainable energy now.
Westpac Greater Choices Home Loan
Up to $50,000 interest-free for 5 years for a cozier, eco-friendly home.
Westpac Greater Choices Home Loan for Solar and Beyond
Elevate your home with up to $50,000 interest-free for 5 years. Enhance insulation, install solar panel, go green with electric transport. Flexibility and no establishment fees make it ideal for creating a more sustainable home and lifestyle.
6 Months - No deposit, no interest, no surcharge
Minimum Spend | Fees | Repayment Amount | Lightforce Solar Finance Fee | Full Terms & Conditions | Apply/ More information | |
6 months | $500 | Annual cardholder fee $50 (payable in 2 x $25 6-monthly instalments) | No Interest or Payments for the first 6 months, then minimum payments of 3% of the monthly closing balance, or $10 (whichever is greater). There are no early repayment fees. | 0.00% | No payments and no interest for 6 months (“Payment Holiday”) is available on Long Term Finance (LTF) for in-home purchases only. Min Spend $500. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions. Standard Interest Rate of 28.95% p.a. applies to outstanding balance at the end of LTF Interest Free Period. Rates and fees correct as at date of publication, subject to change. Columbus Financial Services Limited and Consumer Finance Limited reserve the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice. | qmastercard.co.nz |
12 Months - no interest
Minimum Spend | Fees | Repayment Amount | Lightforce Solar Finance Fee | Full Terms & Conditions | Apply/ More information | |
12 months | $500 | New Customers: $55 establishment fee | Existing Customers: $35 advance fee Annual cardholder fee $50 (payable in 2 x $25 6-monthly instalments) | Minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required. | 2.95% | 12 months interest free is available on Long Term Finance (LTF) for in-home purchases only. Min spend $500. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions. Min payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout interest free period. Paying only the minimum monthly payments will not fully repay the loan before the end of the interest free period. Standard Interest Rate of 28.95% p.a. applies to outstanding balance at the end of LTF Interest Free Period. Rates and fees subject to change. Columbus Financial Services Limited and Consumer Finance Limited reserve the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice. | qmastercard.co.nz |
18 Months - no interest
Minimum Spend | Fees | Repayment Amount | Lightforce Solar Finance Fee | Full Terms & Conditions | Apply/ More information | |
18 months | $500 | New Customers: $55 establishment fee | Existing Customers: $35 advance fee Annual cardholder fee $50 (payable in 2 x $25 6-monthly instalments) | Minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required. | 4.00% | 18 months interest free is available on Long Term Finance (LTF) for in-home purchases only. Min spend $500. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions. Min payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout interest free period. Paying only the minimum monthly payments will not fully repay the loan before the end of the interest free period. Standard Interest Rate of 28.95% p.a. applies to outstanding balance at the end of LTF Interest Free Period. Rates and fees subject to change. Columbus Financial Services Limited and Consumer Finance Limited reserve the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice. | qmastercard.co.nz |
24 Months - no interest
Minimum Spend | Fees | Repayment Amount | Lightforce Solar Finance Fee | Full Terms & Conditions | Apply/ More information | |
24 months | $500 | New Customers: $55 establishment fee | Existing Customers: $35 advance fee Annual cardholder fee $50 (payable in 2 x $25 6-monthly instalments) | Minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required. | 6.5% | 24 months interest free is available on Long Term Finance (LTF) for in-home purchases only. Min spend $500. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions. Min payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout interest free period. Paying only the minimum monthly payments will not fully repay the loan before the end of the interest free period. Standard Interest Rate of 28.95% p.a. applies to outstanding balance at the end of LTF Interest Free Period. Rates and fees subject to change. Columbus Financial Services Limited and Consumer Finance Limited reserve the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice. | qmastercard.co.nz |
36 Months - no interest
Minimum Spend | Fees | Repayment Amount | Lightforce Solar Finance Fee | Full Terms & Conditions | Apply/ More information | |
36 months | $500 | New Customers: $55 establishment fee | Existing Customers: $35 advance fee Annual cardholder fee $50 (payable in 2 x $25 6-monthly instalments) | Minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required. | 8% | 36 months interest free is available on Long Term Finance (LTF) for in-home purchases only. Min spend $500. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions. Min payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout interest free period. Paying only the minimum monthly payments will not fully repay the loan before the end of the interest free period. Standard Interest Rate of 28.95% p.a. applies to outstanding balance at the end of LTF Interest Free Period. Rates and fees subject to change. Columbus Financial Services Limited and Consumer Finance Limited reserve the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice. | qmastercard.co.nz |
48 Months - no interest
Minimum Spend | Fees | Repayment Amount | Lightforce Solar Finance Fee | Full Terms & Conditions | Apply/ More information | |
48 months | $500 | New Customers: $55 establishment fee | Existing Customers: $35 advance fee Annual cardholder fee $50 (payable in 2 x $25 6-monthly instalments) | Minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required. | 10% | 48 months interest free is available on Long Term Finance (LTF) for in-home purchases only. Min spend $500. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions. Min payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout interest free period. Paying only the minimum monthly payments will not fully repay the loan before the end of the interest free period. Standard Interest Rate of 28.95% p.a. applies to outstanding balance at the end of LTF Interest Free Period. Rates and fees subject to change. Columbus Financial Services Limited and Consumer Finance Limited reserve the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice. | qmastercard.co.nz |
Elke Chillwell
Grey Lynn, Auckland
We are powered by the sun
Donna + Derek Adams
Takanini, Auckland
James Hill family
Whatawhata, Waikato
Find out more about switching to solar
Frequently asked questions
Here are some of the most common questions we get asked. If you have any specific questions, get in touch.
What is a green home loan?
Green home loans are financing options provided by banks to Kiwi’s who want to make energy-efficient and eco-friendly upgrades to their homes. These loans can top-up an existing home mortgage often at zero to low interest rates. This makes solar system installations more affordable than ever! With no upfront costs more Kiwis can make the switch to cost-saving eco-friendly energy systems.
Will a solar power system increase the value of my home?
A solar power system is an eco-friendly way to generate energy from a sustainable source while significantly reducing costs from rising power bills. This makes them attractive to homebuyers and investors. Research from homes.co.nz indicates that a solar system increases the home’s selling price by 4.4% or $35,000. In Australia, solar installations have increased the resale value of a home by up to $6,000 per kilowatt of solar energy.
Are there any government subsidies for solar installations?
No, currently there are no government subsidy programmes or feed-in tariffs for solar installations. There is, however, regional solar financing from councils. Hawkes Bay Regional Council offers a sustainable home funding programme and Marlborough offers a funding scheme for solar and other energy efficient upgrades.
Do I need to install a battery with my solar system?
Whether you need a battery really depends on your energy needs. A solar system can operate without a battery, and you can consume electricity from your solar panels as it is generated. Having a solar battery lets you store excess energy for electrical use when sunlight is scarce and provides greater independence from grid supplied energy.