Hawke's Bay: Get Insulation, a Heat Pump and Solar on your Rates

10 years to pay with Hawke's Bay Regional Council's 'Heatsmart' Programme

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The Hawke's Bay Regional Council's 'Heatsmart' Programme lets Hawke's Bay homeowners and landlords with properties in particular "Airzones" get home insulation, a heat pump and solar and pay for it through your rates bill over up to 10 years*.

The aim of the programme is to make Hawke's Bay homes warmer and healthier by offering an easy finance option for home insulation, solar and heat pumps to improve air quality. Smart Energy Solutions are proud to be an approved provider in the local "Heatsmart" programme and can help with the paperwork.

Low income homeowners may also be eligible for grants of up to 87% off insulation costs (for homes built pre-2008) as part of the government's new Warmer Kiwi Homes programme and the HBPCT - conditions apply. Book your Home Energy Assessment with us today and we'll let you know what you are eligible for.

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Funding for Insulation, Heat Pumps and Solar

The Hawke’s Bay Regional Council's programme provides up to $4,500 of funding support for home insulation products which can be used for ceiling or underfloor insulation.

It also offers $4,500 for heat pumps (& wood burners, gas fires or heaters) for homes in an airzone replacing an existing non-compliant fire or woodburner only, and a one-off grant of $700 to decommission a non-compliant fire and replacing it with a compliant heat source.

If your home is outside of the airshed you don't need to replace a non-compliant woodburner.

More recently,the HBRC has added Solar PV and Solar Hot Water to the rates with loans of up to $20,000. This $20,000 loan includes any existing insulation/heating/woodburner loans. This loan would be paid off before the solar loan can be added.


^ The $4,500 heat pump assistance is only for homes in an airzone who are replacing an existing non-compliant fire or woodburner.

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Pay if off over up to 10 years

The funding is repaid through your regular HBRC rates bill and is itemised as a "targeted rate". The repayments are over a period of 10 years and you can make additional repayments if you wish to pay it off earlier.

If you sell your house before fully paying off the financial assistance you are legally required to disclose the existence of the targeted rate to potential buyers. Alternatively you can pay the outstanding amount off in full prior to selling.

Adding insulation will mean you use less energy (electricity, wood, gas) to create the equivalent warmth and so you can save money while you're paying the insulation off.

Which Airzone are you in?

Ratepayers in Airzones 1 and 2 can access insulation and heating funding through the Heatsmart programme. Airzone 1 generally covers the urban areas of Hastings, Flaxmere, Havelock North, and Napier. Airzone 2 covers the remaining areas within the Napier and Hastings airsheds. Whirinaki and Awatoto are excluded.

The funding is only available for homes that are uninsulated (or have inadequate insulation) and for heat pumps only when they are replacing a non-compliant woodburner, and Solar. To be eligible for the Heatsmart funding you must:

  1. Be a Hawke's Bay Regional Council ratepayer
  2. Be up to date with payments on your rates
  3. Have quotes from an approved insulation provider (that's us!)

What is the interest rate?

The targeted rate is interest bearing to cover the council's costs. The interest rate for insulation is 6.5% per annum, heat pumps are 3.5% per annum, and is reviewed annually. Insulation of $4,500 would have an approximate repayment of $51.08 per month.

Rates Insulation Programme

Combining Rates Funding & EECA Grants

If your home is eligible for insulation subsidies as part of the government's new Warmer Kiwi Homes programme with help from Hawke's Bay Power Consumers Trust, you can use the Council's rates programme to address your heating at the same time.

Grants of up to 87% off the cost of ceiling and underfloor insulation, and ground vapour barriers are provided through the Energy Efficiency and Conservation Authority (EECA) Warmer Kiwi Homes programme and with help from HBPCT, and will automatically be included on any quote for these items.

If you are a Unison customer in the Hawke's Bay region, you may be eligible for additional subsidies for your home, but do note, that funding is limited and is available while subsidies last.

Book a Home Assessment with us today and we can walk you through the subsidies and funding available.

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