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Home Energy Saver loan by Brighte

Offer your customers a loan funded by the NSW Government

  • 0% interest with no fees
  • Up to $15,000
  • Up to 10 years repayment terms

Household? Take control of your energy costs with a 0% interest, no-fee loan, funded by the NSW Government - learn more

Proudly funded by NSW Government

Official launch financial partner

We've been selected as one of the first launch finance providers for the NSW Government’s Home Energy Saver loan program. We’re offering 0% interest finance to help NSW households lower their energy bills and make their homes more comfortable to live in.

Family planning solar installation

Which customers are eligible?

Home Energy Saver loans are for NSW households with a total taxable income not exceeding $210,000 per year, including homeowners and landlords.

  • Your household’s total taxable income not exceeding $210,000 per year.
  • The property is located in NSW.
  • You own the property (as an owner-occupier or landlord).
  • You meet our credit assessment requirements.
  • The loan is available across NSW and is subject to Brighte approval.
  • You are an Australian Citizen or Permanent resident.
  • The property is not social housing or used for short-stay accommodation.

The loan is available across NSW, subject to Brighte approval and eligibility. Eligibility criteria and approved upgrade requirements apply. Loans are provided and managed by Brighte and are subject to assessment.

Eligible upgrades

Loans can be used for approved energy saving upgrades, including:

All products must meet program requirements and be installed by accredited installers.

Vendor eligibility

  • Be a NETCC Approved Seller - Required for solar, batteries and EV chargers
  • Hold the appropriate contractor licence(s) for the work being performed
  • Be accredited with Brighte - Get accredited

About the Home Energy Saver loan by Brighte

Finance amount
Up to $15,000
Interest rate
0%
Repayment terms
Up to 10 years
Customer fees
No interest charges and no fees. No fee for early repayment.
Eligible products
  • Solar system
  • Solar & battery system
  • Battery storage
  • EV charger
  • Hot water heat pump
  • Electric heating & cooling systems (reverse cycle)

All products must meet program requirements and be installed by accredited installers.

Eligibility
  • The household’s total taxable income not exceeding $210,000 per year.
  • The property is located in NSW.
  • The applicant is the homeowner or landlord.
  • Meets our credit assessment requirements.
  • The loan is available across NSW and is subject to Brighte approval.
  • The applicant is an Australian Citizen or Permanent resident.
  • The property is not social housing or used for short-stay accommodation.

Loans are provided and managed by Brighte and are subject to assessment. Eligibility criteria and approved upgrade requirements apply. All applications for credit are subject to Brighte’s credit approval.

Why offer the Home Energy Saver loan by Brighte?

Close more jobs

The upfront cost is usually what ends the conversation. A government-backed loan at 0% interest with no fees removes that objection entirely.

Get paid faster on completion

Brighte pays you in full on satisfactory completion. No waiting for the customer to organise payment.

No cost to you. No fees for your customers.

Offering the Home Energy Saver loan by Brighte is free to your business. No setup fee, no listing fee, no commissions. Customers get the loan at 0% interest, with no fees.

A lender that knows your world

Solar, batteries, heat pumps, EV chargers. We know the products your customers are asking about and the sales process you work in.

Support from a dedicated team

Training, customer-facing materials, and a dedicated vendor support team ready when you need them.

Credibility you can use

Brighte has delivered government energy programs for the ACT and Tasmanian Governments, the Clean Energy Finance Corporation and ARENA. NSW is the latest.

Get accredited today

Become an accredited vendor and offer the Home Energy Saver loan by Brighte to your NSW customers.

Get started

Already accredited?

Request access to offer the Home Energy Saver loan by Brighte and our partnerships team will be in touch.

Get involved

Customer FAQs

What is the Home Energy Saver loan by Brighte?

A 0% interest, no-fee loan of up to $15,000 over 10 years for eligible NSW households to install approved home energy upgrades — delivered through Brighte’s network of NETCC-accredited installers. Funded by the NSW Government and delivered by Brighte.

When can I get quotes?

Reach out to a NETCC-Approved Seller in your area through our marketplace, discuss the upgrades you want, and get quotes sorted.

When can I apply for a loan?

Loan applications are open now. Reach out to a NETCC-Approved Seller in your area through our marketplace, discuss the upgrades you want, and get quotes sorted.

Can I pay out my loan early?

Yes. You can repay your Home Energy Saver loan by Brighte early at any time with no early repayment fees. You only ever repay what you borrow.

Is this a grant or a loan?

A loan at 0% interest with no fees. You repay only what you borrowed over up to 10 years. It is not a rebate or a grant.

Am I eligible?

You may be eligible if:

  • Household taxable income not exceeding $210,000/year
  • You own the property or are a landlord
  • NSW resident (or NSW landlord who is an Australian citizen/permanent resident)
  • Meets Brighte’s credit assessment requirements
  • You’re a landlord upgrading for eligible NSW investment properties
  • Renters are ineligible
Can I include multiple upgrades?

Yes, bundled into one loan up to $15,000. If total project costs more, you cover the difference.

Can I use my own installer?

Yes — provided they’re Brighte accredited and they hold current NETCC accreditation, which is a mandatory program requirement. If not, Brighte can connect you with a NETCC-accredited installer in your area for the upgrades you want. Just submit an enquiry to get started.

What is NETCC accreditation and why does it matter?

NETCC (New Energy Tech Consumer Code) is a nationally recognised, ACCC-authorised consumer protection standard for solar, battery, EV and other new energy technology installers. NETCC-accredited businesses commit to honest sales practices, clear and comprehensive quotes, quality installations meeting Australian standards, warranty support, and fair complaints resolution. Every installer who participates in the Home Energy Saver loan by Brighte program must hold current NETCC accreditation — so you know the business coming to your home has been independently assessed against those standards.

Does Brighte pay the installer directly?

Yes. Brighte pays your installer directly — and only after you and the installer have confirmed the work is complete.

Home Energy Saver loans are funded by the NSW Government and delivered by Brighte. Loans are provided and managed by Brighte. Loans are subject to assessment. Eligibility criteria and approved upgrade requirements apply.

For more information about the program, visit escorp.com.au.