Zero-interest finance for eligible household energy upgrades, including solar, batteries and energy-efficiency improvements.
The NSW Home Energy Saver program provides eligible homeowners and landlords with access to zero-interest loans of up to $15,000 for approved energy-saving upgrades.
Loans can be repaid over a term of up to ten years and are funded by the NSW Government and delivered through participating finance providers, including Brighte and Plenti.
The loan pathway is open to eligible homeowners and landlords with combined annual taxable household income of up to $210,000.
Eligibility is subject to additional citizenship, residency, credit and property requirements.
The Home Energy Saver program supports a range of approved energy-saving products and improvements.
Rooftop solar PV systems and eligible home battery systems designed to reduce household energy costs.
Eligible insulation and draught-proofing improvements to improve household energy efficiency.
Eligible reverse-cycle air conditioning systems and ceiling fans.
Eligible hot-water upgrades that improve household energy efficiency.
Eligible switchboard upgrades associated with approved energy improvements.
Other products and improvements listed as eligible under the current program requirements.
Customers should confirm eligibility and obtain finance approval before authorising eligible work.
Review the current eligibility rules and approved product list.
Obtain a detailed quotation from an approved participating supplier.
Select a participating finance provider and submit the required application information.
Wait for finance and program approval before authorising installation.
Repay the approved loan according to the finance provider's agreed schedule.
A separate discount stream of up to $4,000 is planned for eligible lower-income households or eligible concession-card holders.
As at 26 July 2026, loan applications are open, while the targeted discount application pathway is listed as coming soon.
Customers who are eligible for both pathways are advised to apply for the discount first, then seek a loan for the remaining eligible cost.
Zero-interest finance can reduce the cost of borrowing, but it does not remove the obligation to repay the loan.
No interest is charged on an eligible loan under the applicable program and finance provider terms.
This may make eligible energy upgrades more manageable by spreading the approved project cost over time.
Customers remain responsible for repaying the approved loan. Approval is not automatic and finance conditions still apply.
Review fees, repayment frequency, early repayment terms, default provisions and how finance affects cancellation or variation of the installation contract.
Potentially yes. Eligible customers may use relevant federal incentives to reduce the project cost and finance the remaining eligible amount, subject to program and lender rules.
The loan is aimed at eligible homeowners and landlords. The separate discount pathway includes eligible homeowners and renters once available.
No. $15,000 is the maximum program loan. The approved amount depends on the project cost, eligibility and finance assessment.
Rooftop solar PV and home battery systems are listed among the eligible upgrade categories. Customers should confirm the current approved-product rules and finance requirements before proceeding.
Customers should wait for the required finance and program approval before authorising installation. The exact process may depend on the participating finance provider and program requirements.
The program is funded by the NSW Government and delivered through participating finance providers, including Brighte and Plenti.
Solar Link Australia can provide a detailed solar and battery quotation suitable for submission to a participating Home Energy Saver finance provider.
Speak With Solar Link AustraliaFill out the form below to request a quote or speak with one of our solar specialists. All quotations include the applicable certificate discount, which is estimated based on your system size, location, and proposed installation date.
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Fill out the form below to request a quote or speak with one of our solar specialists. All quotations include the applicable certificate discount, which is estimated based on your system size, location, and proposed installation date.
or If you need quick assistance
Fill out the form below to request a quote or speak with one of our solar specialists. All quotations include the applicable certificate discount, which is estimated based on your system size, location, and proposed installation date.
or If you need quick assistance
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or If you need quick assistance
or If you need quick assistance
or If you need quick assistance
or If you need quick assistance
or If you need quick assistance
or If you need quick assistance
or If you need quick assistance
or If you need quick assistance
or If you need quick assistance
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