NSW Home Energy Saver Loan for solar, batteries and home electrification
Eligible NSW households can now apply for a zero interest loan of up to $15,000 to help pay for approved energy saving upgrades, including rooftop solar, home batteries, EV chargers, heat pump hot water and reverse cycle air conditioning.
Sunstak helps homeowners plan practical energy upgrades that reduce bills, improve comfort and set the home up for a more electric future.
Key points
Loan amount: Up to $15,000
Interest rate: 0% (Zero)
Repayment term: Up to 10 years
Who it is for: Eligible NSW homeowners and landlords
Income threshold: Combined taxable household income up to $210,000
Discounts: Up to $4,000 coming soon for eligible lower income households and concession card holders
Work with a trusted and recognised industry leaders
Sunstak has been helping households plan, design and install better home energy systems across solar, batteries, EV charging, heat pump hot water and efficient air conditioning.
We are proud to be recognised by some of the most trusted names in the industry, including:
Tesla Premium Powerwall Certified Installer
Enphase ACT Installer of the Year 2024
Enphase ACT Installer of the Year 2025
Enphase Platinum Installer
SolarQuotes ACT Top Rated Installer 2024
SunWiz recognised installer, ranking among the leading battery installers in Australia
Experienced with government backed energy programs
Sunstak has supported the ACT Government’s Sustainable Household Scheme since its launch and has also participated in the ACT NextGen Battery Program.
Through these programs, we have helped Canberra households install more than $5 million worth of solar, batteries, EV charging, heat pump hot water and efficient air conditioning solutions.
We understand how government backed energy programs work, how Brighte finance fits into the customer journey, and how to design upgrades that suit the home beyond the first purchase.
For NSW households considering the Home Energy Saver Loan, Sunstak brings proven experience, community trust and practical local knowledge to help you move forward with confidence.
NSW Home Energy Saver Loan
What is the NSW Home Energy Saver program?
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The NSW Home Energy Saver program is designed to make energy saving home upgrades more affordable by reducing the upfront cost barrier.
For many households, solar, batteries and efficient electric appliances make strong long term sense, but the initial cost can delay action. This program gives eligible NSW homeowners and landlords a way to spread the cost of approved upgrades over time without paying interest on the loan.
The loan can be used for a single upgrade or a planned package of improvements, depending on your home, budget and energy goals.
What upgrades can the loan be used for?
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The Home Energy Saver loan can help fund approved energy saving upgrades such as:
Solar panels
Home battery storage
Solar and battery systems
EV level 2 chargers
Heat pump hot water systems
Reverse cycle air conditioning
Switchboard upgrades
Induction cooking
Ceiling insulation
Draught proofing
Double glazing
DC ceiling fans
NatHERS assessments
For Sunstak customers, the most relevant upgrades are usually solar, batteries, EV charging, hot water heat pumps and reverse cycle air conditioning. These upgrades work best when they are considered together rather than treated as separate purchases.
Who may be eligible?
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You may be eligible for the NSW Home Energy Saver loan if:
You own the property as an owner occupier or landlord
The property is located in NSW
Your combined annual taxable household income is up to $210,000
You are an Australian citizen or permanent resident
You meet the finance provider’s credit assessment requirements
The property is not social housing or used for short stay accommodation
The upgrade meets program requirements and is installed by an approved supplier
Eligibility is assessed by participating finance providers. Loan approval is not guaranteed.
Can the loan be used with the federal battery rebate?
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Yes, in many cases the NSW Home Energy Saver loan may be used alongside the federal home battery rebate where the system and customer meet the relevant program requirements.
This is important because the federal battery rebate can reduce the upfront cost of an eligible battery, while the NSW loan may help eligible households spread the remaining cost over time.
For many NSW homes, this creates a stronger window to consider solar and battery together, or to add a battery to an existing solar system.
What about the $4,000 discount?
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The NSW Government has announced discounts of up to $4,000 for eligible households, expected to open later in 2026.
These discounts are aimed at households with combined annual income up to $80,000 or eligible concession card holders.
If you may qualify for both the discount and the loan, NSW Government guidance says you should apply for the discount first, then apply for a loan to cover the remaining eligible cost.
Is this a grant or a loan?
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The Home Energy Saver loan is not a grant.
It is a zero interest loan that must be repaid over the approved loan term. The advantage is that eligible households may be able to install approved upgrades now and repay the borrowed amount over time without interest charges.
The separate discount program is different. It is expected to provide up to $4,000 off eligible upgrades for qualifying households once applications open.
Why planning matters
A zero interest loan can make an upgrade easier to start, but the right design still matters.
A battery that is too small may not cover your evening use. A solar system that is too limited may not support future electrification. An EV charger installed without thinking about solar, tariffs and load management may miss opportunities to charge more cheaply.
A good home energy system should be designed around where your household is going over the next 5 to 10 years.
That may include:
Adding a battery
Replacing gas hot water
Moving from gas heating to reverse cycle air conditioning
Installing induction cooking
Adding an EV charger
Using more solar during the day
Improving backup power during outages
Reducing reliance on the grid during peak periods
Sunstak can help you work through the right sequence so the loan supports a system that makes sense for your home, not just the first product that fits the budget.
Your Questions, Answered
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Eligible households may be able to borrow up to $15,000.
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The loan is zero interest, subject to approval and program conditions.
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Loan terms are available for up to 10 years.
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Yes. Eligible NSW landlords can apply for the Home Energy Saver loan for approved upgrades to eligible properties.
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Renters are not eligible for the loan, but may be eligible for the upcoming discount program with landlord approval.
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Yes. Residential battery storage is one of the approved upgrade categories, provided the product and installation meet program requirements.
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Yes. EV level 2 chargers are included as an eligible upgrade category.
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Brighte states that its Home Energy Saver loan can be repaid early with no early repayment fee.
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If your household income is up to $80,000 or you hold an eligible concession card, it may be worth checking whether you qualify for the upcoming discount. If you want to use both the discount and loan for the same upgrade, NSW Government guidance says to apply for the discount first.
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No. Finance is provided and managed by Brighte finance. Sunstak can help with system advice, design and installation planning.
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No. Suitability depends on roof space, shading, switchboard capacity, existing solar, household energy use, tariffs, budget and backup expectations. A proper assessment is important.
How to get started
Step 1: Check your likely eligibility
Review the NSW Home Energy Saver loan criteria and check whether your household income, property and ownership status may qualify.
Step 2: Think about your upgrade goal
Are you trying to lower bills, add backup power, prepare for an EV, replace gas or build a more complete energy system?
Step 3: Book a home energy consultation
Sunstak can assess your current energy use, roof space, switchboard, existing solar and future plans.
Step 4: Get a tailored recommendation
We will recommend a practical upgrade pathway and explain what should happen now, what can wait and what needs to be considered before installation.
Step 5: Apply through the finance provider
Loan applications are handled by participating finance providers. Approval is subject to eligibility and credit assessment.
Ready to see whether the NSW Home Energy Saver loan could help with your solar, battery or electrification upgrade?
Book a Sunstak home energy consultation and we will help you understand the most practical pathway for your home.
