NSW Home Energy Saver Loan

A zero-interest loan of up to $15,000 for energy upgrades in Sydney

The NSW Government has launched the Home Energy Saver program to help households across New South Wales reduce their energy bills. If you are thinking about solar, a battery, or other home energy upgrades, this program could cover a significant portion of the cost with a zero-interest loan, so you pay back exactly what you borrow and nothing more.

Sydney Solar and Electrical are approved suppliers under both Plenti and Brighte, the two finance providers currently operating under the Home Energy Saver program. That means we can set up your loan, handle the paperwork, and get you moving without you needing to navigate multiple providers or government portals yourself.

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What is on offer

Zero-interest loan

Up to $15,000 with no interest charged. You pay back exactly what you borrow, spread over a repayment schedule agreed with your finance provider.

Discount (coming soon)

A discount of up to $4,000 is available for eligible lower-income households. If you think you may qualify for both, it is recommended you apply for the discount first before applying for the loan. Discounts are available to households with a combined taxable income of up to $80,000 per year, or where someone in the household holds an eligible concession card.

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What can the loan be used for

The Home Energy Saver loan covers a wide range of approved energy upgrades. For Sydney Solar and Electrical customers, the most relevant are:

Rooftop solar PV system
Battery energy storage system
EV Level 2 charger
Heat pump water heater
Switchboard upgrade

Note that the loan only covers the upgrade itself and its installation. Any additional work your property needs to get ready for installation needs to be quoted separately.

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To be eligible for a Home Energy Saver loan you need to meet the following criteria:

Your property must be in NSW
You must be an Australian citizen or permanent resident
Your combined household taxable income must be $210,000 or under
You must own the property, either as an owner-occupier or landlord
The upgrade must be on the approved product list and meet the program's technical requirements

There is no means test below the income threshold. Social housing, community housing, and short-stay accommodation properties are not eligible.

Am I eligible?

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How does the loan process work

Step 1: Assessment

Contact us to arrange a free assessment. We look at your property, your current energy setup, and what upgrades would make the most sense for your household and budget.

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Step 2: Quote

We provide you with a fully itemised quote showing the upgrade cost, any applicable rebates such as the federal battery rebate or NSW PDRS incentive, and the loan amount. You take your time reviewing it and decide if you want to proceed.

Step 3: Loan application

Once you are ready, we connect you with either Plenti or Brighte, whichever finance provider suits you. We share a pre-populated referral link so most of the details are already filled in. You provide proof of property ownership, household income details, and complete a loan serviceability assessment.

Step 4: Approval and installation

If your application is approved, we agree on an installation date that suits you. Our own qualified team handles the installation from start to finish. After installation we walk you through how everything works.

Step 5: Repayment begins

Your finance provider confirms the installation is complete and pays us on your behalf. Your zero-interest repayments then begin according to your loan agreement.

Why use Sydney Solar and Electrical for your Home Energy Saver loan

We are approved suppliers under both Plenti and Brighte, which means you are not locked into one finance provider. We will recommend the one that best suits your circumstances.

Every installation is carried out by our own qualified team, not subcontractors, and is fully SAA-accredited and NETCC approved. We handle all rebate paperwork, STC assignments, and loan referrals on your behalf. You get one point of contact from quote through to aftercare.

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Brighte Approved Solar & Battery Installer Sydney

FREQUENTLY ASKED QUESTIONS

The NSW Home Energy Saver program provides eligible NSW homeowners with zero-interest loans of up to $15,000 to help cover the cost of approved energy saving upgrades including solar panels, batteries, heat pumps, EV chargers, and more. A discount of up to $4,000 is also available for lower-income households.
You can borrow up to $15,000 at zero interest. You repay exactly what you borrow with no interest charges added.
Plenti and Brighte are the two approved finance providers currently delivering the Home Energy Saver loan program in NSW. Sydney Solar and Electrical is an approved supplier under both, so we can connect you with whichever provider works best for your situation.
Yes. Both rooftop solar and battery storage systems are eligible upgrades under the program, and the loan can cover both in a single application.
Yes. The Home Energy Saver loan is designed to stack with other federal and NSW incentives. This includes the federal Cheaper Home Batteries Program and the NSW Peak Demand Reduction Scheme VPP incentive. Sydney Solar and Electrical will apply all available incentives to your quote before calculating the loan amount.
No. Your approved supplier, which is Sydney Solar and Electrical, connects you with the finance provider and handles the referral process. You do not need to navigate government portals or apply directly.
Yes. The loan covers both the cost of the upgrade and its installation. Any additional work your property needs to prepare for installation, such as roof repairs or extra electrical work not related to the upgrade itself, needs to be quoted separately and is not covered by the loan.
Yes, landlords are eligible as long as they own the property and their tenant has consented to the upgrade.