Borrowing to double glaze in Wellington
No government or council grant in Wellington pays for double glazing. With a home loan and enough equity, you can ask BNZ, ASB or Westpac about a low-rate or interest-free top-up to pay for it. The conditions differ from bank to bank.
How much you'd need to borrow depends a lot on whether the old frames can stay, so it's worth looking into double glazed windows for older Wellington homes first. After that, find out what goes into the price of double glazing.
Equity and existing-lending conditions
Every bank offer for double glazing that we found is a top-up, so the money goes onto a home loan with the same bank. BNZ, ASB and Westpac each set a minimum equity, meaning the share of your home you own outright. Westpac also needs a minimum amount of Choices lending with it.
ASB calls its top-up a limited-time offer, so check it's still running before you plan the job around it.
Minimum equity and lending, by bank
BNZ 20%equity
ASB and Westpac, a home you live in 20%equity
ASB and Westpac, an investment property 30%equity
Westpac $150,000of Choices lending
Bank terms as at 17 September 2026
Is any grant paying for windows in Wellington?
No. The government's Warmer Kiwi Homes programme leaves windows out, and we couldn't find a council scheme that pays for them.
Greater Wellington Regional Council
Help with windows
Closed. Warm Wellington lent for insulation from 2010, with repayments through rates, until it closed in September 2024. Its page doesn't mention glazing.
Help with windows
No grant or rates loan for windows. Its free Home Energy Saver assessment ended on 1 July 2024.
Upper Hutt City Council and Kāpiti Coast District Council
Help with windows
Advice only. Both councils point people to Warmer Kiwi Homes.
Porirua City Council
Help with windows
None found.
Council schemes as at 17 September 2026
Quieter Homes, Wellington Airport's aircraft-noise programme, isn't a grant either, and if noise is why you want new glass, read up on the downsides of double glazing first. If you're double glazing timber sashes and casements on a Wellington City heritage building or in one of its heritage areas, the council may refund consent fees, but not the cost of the glass.
The Home Energy Fund, a National Party proposal for loans repaid through rates, isn't in force and doesn't mention windows.
However you pay for it, start with a quote on your own windows from a local installer.
Ask for a quoteHome loan top-ups from four banks
BNZ, ASB, Westpac and ANZ each name double glazing as something their top-up can pay for. Westpac's is the only one at 0%. ANZ's page shows its rate as unavailable, so ask ANZ what it's charging.
ASB, Better Homes Top Up
How much
Up to $80,000 for each property-owning entity
Interest
1% fixed for 3 years
Westpac, Greater Choices
How much
Up to $50,000
Interest
0% for 5 years. Missed repayments attract a 5% default rate
Terms change, so check with your bank before you apply.
Bank terms as at 17 September 2026
A quote for your windows tells you how big a top-up you'd need.
Ask for a quoteThe energy loan that excludes glazing
Kiwibank's Sustainable Energy Loan sounds as if it would cover new windows, but glazing is excluded. It's for solar, small hydro, wind or geothermal energy, and Kiwibank contributes up to $2,000 over four years when you borrow more than $5,000.
If Kiwibank holds your home loan, ask it how else you could borrow for the windows.
Kiwibank terms as at 17 September 2026
Warmer Kiwi Homes and Sustainability Trust top-ups
Warmer Kiwi Homes funds insulating ceilings and underfloors, plus heat pumps, if you own and live in a home built before 2008 and meet its criteria. Windows aren't covered. EECA, which runs it, pays up to 90% of the insulation cost.
In Wellington it's delivered through Sustainability Trust, and some households qualify for extra top-ups. Wellington City Council funds them in Wellington City, and Hutt Mana Charitable Trust in the Hutt Valley, Porirua and Wellington North. There are top-ups in Ōtaki too.
Like the programme, the top-ups only pay toward insulation and heat pumps. Ask Sustainability Trust what you'd qualify for where you live.
Scheme terms as at 17 September 2026
Get the ceiling and underfloor insulated before you spend on windows.
Are the ceiling and underfloor already insulated? Then it's the windows' turn, and a local installer can check them over.
Ask for a quoteFree lined curtains through the Curtain Bank
Sustainability Trust's Wellington Curtain Bank gives lined curtains free to households with a Community Services Card or a SuperGold Combo Card. Renters can get them as well as owners, though social housing usually isn't included.
A household can have up to four pairs of curtains and four tracks, for bedrooms and living areas. Making them can take up to 10 weeks.
Its eligibility rules name Wellington City, Porirua and Kāpiti Coast. If you live somewhere else in the region, ask the Curtain Bank whether it can help. Ōtaki has a Curtain Bank of its own.
Before you take out a top-up
Does the government subsidise double glazing?
No. Its home-energy programme, Warmer Kiwi Homes, helps eligible owners with insulation and heat pumps and stops there. To spread the cost of the glass, look at a low-rate bank top-up.
How much of a grant do you get for windows?
You don't get one. No government or council scheme in Wellington gives grants for double glazing, so plan around double glazing prices in Wellington and what your bank would lend you as a top-up.
Can I get a Westpac loan for double glazing?
Possibly. Westpac's Greater Choices top-up lists double glazing, but whether you qualify depends on your equity and on your Choices lending with Westpac.
Is there free double glazing in Wellington?
Not through any grant. If you hold a Community Services Card or a SuperGold Combo Card, you may be able to get free lined curtains from the Curtain Bank.
Go to the bank with a price for the windows
Once you've filled in the form, we'll send your enquiry to a local installer to measure the windows and quote for the work. Then you'll know how much to ask for.