NSW Homeowners Can Now Access Up to $15,000 in Zero-Interest Loans for Energy Upgrades

Good news for NSW homeowners looking to reduce their energy bills! The NSW Government’s Home Energy Saver program is making energy-efficient upgrades more affordable, with zero-interest loans of up to $15,000 now available and additional discounts of up to $4,000 coming soon.

By Andrew Damianou

CEO, Carbon Savers ·

5 Nov 2026 ·

5 min read

The initiative aims to help eligible households overcome the upfront costs of improving their homes, from installing solar panels and batteries to upgrading heating, cooling and hot water systems.

Up to $15,000 in Zero-Interest Loans

Eligible NSW homeowners can now apply for a zero-interest loan of up to $15,000, with repayment terms of up to 10 years.

To qualify, applicants must meet requirements including a combined taxable household income of no more than $210,000 per year, property ownership and relevant residency and finance-provider criteria.

The loans are available through participating providers Brighte and Plenti, with approved suppliers delivering eligible home energy upgrades.

Depending on the provider and product eligibility, homeowners may use the financing towards upgrades such as solar panels, battery storage, heat pump hot water systems, reverse-cycle heating and cooling, EV chargers and other approved improvements.

Additional Discounts of Up to $4,000 Coming Soon

The Home Energy Saver program also includes an upcoming discount of up to $4,000 for eligible households.

This additional support is intended for households with a combined gross income of up to $80,000 annually or an eligible concession card.

Households meeting both sets of eligibility requirements may be able to combine the discount with a zero-interest loan, further reducing the upfront financial burden.

Find Out What You Could Be Eligible For

Whether you’re considering solar, battery storage, heat pump hot water or a broader home electrification upgrade, the new NSW Home Energy Saver program could help make your plans more affordable.

Carbon Savers can help you explore suitable energy upgrades and understand the incentives and financing options that may be available for your home.

Contact our team to discuss your options and take the next step towards a more energy-efficient home.

Andrew Damianou

Andrew serves as CEO of Carbon Savers, guiding the organisation’s vision, performance, and long-term strategy. He is committed to helping households and businesses adopt cleaner, more efficient energy solutions through trusted, customer-focused service.

Talk to an expert

Ready to save? Let's make it happen.

Tell us a little about your home and what you’re keen on. We’ll come back with your options, and the rebates you could get. No sales pressure, no cookie-cutter systems, no jargon.

Loading form…

$0 interest.
Real savings.

Find out which upgrades, discounts and zero-interest finance options you could be eligible for in NSW.
$0 upfront with our repayment plan. No call-out fees. No obligation.