Various types of grants and subsidies are available for low-income tenants through Warm Up New Zealand Program. As per the new Residential Tenancies Act that all rental properties by July 2019 must have underfloor and ceiling insulation according to govt standards. If you are in mortgage from any New Zealand banks, then you may have the option to add a cost of insulation for your home to your mortgage. You will have to talk to bank authorities regarding this process. After your success to add insulation cost in your mortgage, you can pay back the insulation cost for your home with interest according to the terms of your mortgage.