The government's Warmer Kiwi Homes programme covered 80% of insulation costs and up to 80% of the cost of an efficient heater to eligible lower-income homeowners.
Analysts describe the Commerce Commission report on residential building materials as “benign”.
The Reserve Bank expected lower costs for all financial institutions.
KiwiRail has signed a quarter-century lease for new high-spec offices in Ellerslie despite being one of the country's largest landowners.