04/08/2026
Thinking about upgrading your home with solar, a battery, or energy-efficient appliances to slash your power bills? ⚡🏠
The NSW Government’s Home Energy Saver program is offering zero-interest loans AND upfront discounts to help eligible households lower the cost of energy-saving upgrades!
Here is everything you need to know about what’s on offer, eligibility, and how to apply:
💡 What Financial Support Is Available?
Upfront Discount (Up to $4,000): A direct price reduction for eligible lower-income households and concession card holders. (Note: Discount applications aren’t available just yet!)
Zero-Interest Loan (Up to $15,000): Borrow up to $15,000 per property with 0% interest. Repay only what you borrow over a loan of up to 10 years with no hidden fees.
Eligible Upgrades: Rooftop solar, household batteries, heat pump water heaters, reverse-cycle air conditioning, switchboard upgrades, EV chargers, induction cooktop, ceiling insulation, and more.
💡 Planning to apply for both? If you want to use both a discount and a loan for the same purchase, the NSW Government recommends waiting and applying for the discount first. That way, your loan only needs to cover the remaining balance!
💰 Government Funding Pool
Total Investment: The NSW Government has committed $557 million to the Home Energy Saver program.
Loan Allocation: $480 million is dedicated specifically to zero-interest loans, designed to support over 32,000 households.
Discount Allocation: $77 million is allocated to targeted upfront discounts.
✅ Eligibility Criteria
For Zero-Interest Loans (Open Now):
Combined annual taxable household income of up to $210,000.
Own the NSW property as an owner-occupier or landlord (social housing and short-stay rentals excluded).
Must be an Australian citizen or permanent resident.
Satisfy finance checks with participating program lenders (Brighte or Plenti).
For Upfront Discounts (Opening Soon):
Must be the owner of the property OR a tenant named on the lease.
Meet at least one of the following:
Combined annual household income of up to $80,000.
Hold an eligible concession card (Health Care Card, Low Income Health Care Card, Pensioner Concession Card, or Veteran Gold Card).
📅 When Does Funding End?
Loan applications are open now.
There is no fixed calendar end date; funding will remain available until the $480M loan pool and $77M discount pool are fully allocated. Getting in early ensures you don't miss out!
🔗 Where to Go for More Info & How to Prepare
Check the official NSW Government portal for full program guidelines and updates on when discount applications open: energy.nsw.gov.au/home-energy-saver.
Get quotes from accredited suppliers for your chosen energy upgrades.
If applying for the loan stream, work with your chosen accredited installer to submit your finance application through Brighte or Plenti.