NSW Home Energy Saver Loan
Eligible NSW households can apply for an interest free loan of up to $15,000 towards approved home energy upgrades, including solar and batteries. Planning a bigger upgrade? We can include EV charging, heat pump hot water or air conditioning as part of your Sunstak solar or battery project.
Key points
We help you plan solar, battery storage and home energy upgrades around your needs, with clear guidance on available loans and discounts.
$15,000
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
Up to $4,000 coming soon for eligible lower income households and concession card holdersDiscounts
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
Experience with government energy programs
We’ve helped Canberra households access the ACT Sustainable Household Scheme since its launch and participated in the ACT NextGen Battery Program. Through these programs, we’ve installed more than $5 million in home energy upgrades.
We bring that experience to NSW households considering the Home Energy Saver Loan. Our Energy Geeks help you understand the process and plan a solar or battery project suited to your home, with EV charging, hot water or air conditioning included where needed.
We understand how government backed energy programs work, where Brighte finance fits, 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?
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?
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?
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?
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?
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?
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
How much can I borrow through the NSW Home Energy Saver loan?
Eligible households may be able to borrow up to $15,000.
What is the interest rate?
The loan is zero interest, subject to approval and program conditions.
How long do I have to repay it?
Loan terms are available for up to 10 years.
Can landlords apply?
Yes. Eligible NSW landlords can apply for the Home Energy Saver loan for approved upgrades to eligible properties.
Can renters apply?
Renters are not eligible for the loan, but may be eligible for the upcoming discount program with landlord approval.
Can I use the loan for a battery?
Yes. Residential battery storage is one of the approved upgrade categories, provided the product and installation meet program requirements.
Can I use it for an EV charger?
Yes. EV level 2 chargers are included as an eligible upgrade category.
Can I pay the loan out early?
Brighte states that its Home Energy Saver loan can be repaid early with no early repayment fee.
Should I wait for the $4,000 discount?
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.
Is Sunstak the finance provider?
No. Finance is provided and managed by Brighte finance. Sunstak can help with system advice, design and installation planning.
Is every home suitable for solar and battery?
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 eligibilityReview the loan criteria to see whether your household income and property may qualify.
- Step 2: Tell us what you needLower bills, backup power or more energy independence? Tell us what you want from your solar or battery project.
- Step 3: Talk to an Energy GeekWe assess your energy use, roof, switchboard and existing system, along with your plans for the home.
- Step 4: Review your quoteGet a system recommendation and a clear quote tailored to your home and budget.
- Step 5: Apply for your loanApply through Brighte our participating finance provider. Approval is subject to eligibility and credit assessment.
Let’s plan your solar or battery upgrade
Fill in the form and an Energy Geek will be in touch to discuss your project and the NSW Home Energy Saver Loan.
- Solar Accreditation Australia approved
★★★★★
Having used two other installers previously, the Sunstak experience is head and shoulders superior…
Ask for a quote