$15,000
Borrow up to this for eligible upgrades
NSW Government · Home Energy Saver
NSW homes: a $15,000 interest-free loan for solar, battery & heat pump.
The NSW Government Home Energy Saver loan covers up to $15,000 at 0% interest over 10 years — about $4.10 a day, $0 upfront. eHomes installs the system; you pay it off on your power-bill savings. Check your eligibility in 60 seconds.
Funded by the NSW Government, delivered by accredited providers Brighte & Plenti. Limited funding — around 32,000 homes statewide.
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The loan at a glance
Upgrade your home now. Pay for it from your savings.
The Home Energy Saver is a NSW Government program to help households cut their power bills with no upfront cost. It is a genuine 0% loan — not a rebate you chase, not a buy-now-pay-later product with hidden fees.
0%
Interest. No fees, no balloon payment
10 yrs
Repayment term — roughly $4.10 a day
$0
Upfront. The install starts now
What you can install
One loan covers the whole upgrade.
The Home Energy Saver loan covers the home-energy upgrades that actually move your bill — and eHomes installs all of them, accredited and warranty-backed.
Rooftop solar
Tier-1 panels sized to your roof and usage so you generate through the day instead of buying at peak rates.
Home battery
A solar battery stores your daytime solar so you run the house on it at night instead of exporting for cents and rebuying for dollars.
Heat pump hot water
Hot water for roughly a quarter of the running cost of an old electric tank — and it can heat on a timer off your own solar.
Reverse-cycle air conditioning
Efficient heating and cooling that runs on your solar — the program also covers insulation, switchboard upgrades and more.
6.6 kW solar + 21 kWh battery + heat pump hot water
This is the upgrade most NSW homes use the loan for: enough solar to cover the day, a battery big enough to run the evening, and a heat pump that takes hot water off gas or an old electric tank. With the federal battery rebate applied first, the net cost fits inside the $15,000 loan — so it lands at $0 upfront and around $4.10 a day, often less than the bill it replaces.
Stack the savings
The loan covers the cost. The federal rebate cuts it first.
The NSW loan and the federal Cheaper Home Batteries Program are separate — so you use both. The rebate comes off the price upfront, then the loan covers what is left at 0%.
Federal battery rebate
~$4,586 off a 21 kWh battery
The Cheaper Home Batteries Program is applied at the quote, before finance. It steps down again in 2027, so the current amount is the most generous it will be.
NSW Home Energy Saver loan
0% on the rest, up to $15,000
Covers the net cost after the rebate at no interest over up to 10 years — so a whole-home package can land at $0 upfront.
Figures are indicative and depend on system size, postcode and certificate prices on the day. We confirm your exact rebate and repayment at the quote.
Who qualifies
Most NSW households are eligible.
You likely qualify if
- You own a home in NSW — owner-occupier or landlord
- Combined household taxable income is $210,000 or under
- You pass a standard credit check with the loan provider
- You are installing eligible upgrades — solar, battery, heat pump, aircon and more
Funding is finite
The program is capped — around 32,000 NSW homes statewide. Once the funding pool is allocated, the 0% loan closes. There is no penalty for moving early, and every week of waiting is another power bill at full price.
Check my eligibility now
How it works
Four steps from enquiry to install.
Check eligibility
Send your postcode and a recent power bill. We confirm you qualify and map the right system for your home and budget.
Get your quote
We apply the federal rebate, show the net price, and set out the loan repayment in writing — no surprises.
Apply for the loan
The loan is approved through the NSW Government's accredited provider (Brighte or Plenti). We help you through the application.
We install
CEC-accredited installers fit your system. $0 upfront — repayments start after, ideally covered by what you save on power.
FAQ
NSW Home Energy Saver loan — your questions.
What is the NSW Home Energy Saver loan?
It is a NSW Government program offering an interest-free loan of up to $15,000 over up to 10 years to help households install home-energy upgrades like solar, batteries and heat pump hot water. There is no interest and no upfront cost — you repay the loan over the term, ideally from the savings on your power bill.
How much does it cost per day?
A $15,000 loan over 10 years at 0% interest works out to roughly $4.10 a day. There is no interest and no balloon payment, so you only ever repay what you borrow. Smaller loans cost proportionally less.
Am I eligible?
You generally qualify if you own a home in NSW (owner-occupier or landlord) and your combined household taxable income is $210,000 or under. You also pass a standard credit check with the loan provider. We confirm your eligibility in about 60 seconds — just send your postcode and contact details.
Who actually provides the loan?
The loan is funded by the NSW Government and delivered through its accredited providers, Brighte and Plenti — eHomes is your installer, not the lender. We help you through the application, but the credit itself is provided and approved by the accredited provider.
Can I use the federal battery rebate as well?
Yes. The federal Cheaper Home Batteries Program is separate from the NSW loan, so they stack. The rebate (about $4,586 on a 21 kWh battery) comes off the price first, then the loan covers the net cost at 0%. That is how a whole-home package can land at $0 upfront.
What can the loan be used for?
Eligible upgrades include rooftop solar, home batteries, heat pump hot water, reverse-cycle air conditioning, insulation, switchboard upgrades and more. eHomes installs solar, batteries, heat pumps and air conditioning under the program.
Is the funding limited?
Yes. The program is capped at around 32,000 NSW homes statewide. Once the funding pool is allocated the 0% loan closes, so it is worth checking your eligibility early rather than waiting.
Do I have to repay it if I sell my house?
The loan is a personal credit agreement with the provider, so the standard terms apply on sale. We will point you to the provider's terms before you sign so you know exactly where you stand — nothing is hidden.
About this program
The Home Energy Saver is a NSW Government program. The interest-free loan is funded by the NSW Government and delivered by its accredited providers, Brighte and Plenti. eHomes Australia is an accredited installer under the program — we install your system and help you apply, but we are not the lender and do not provide credit.
Credit is provided and approved by the relevant accredited provider, subject to their terms and a credit assessment. Loan amounts, eligibility criteria and program funding are set by the NSW Government and may change — confirm current details at energy.nsw.gov.au/home-energy-saver. Rebate and repayment figures shown are indicative and confirmed at the quote.
See what the $15,000 interest-free loan covers for your home.
60 seconds to check your eligibility. We come back with system options, the federal rebate applied, and your repayment in writing.
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