ACT Sustainable Household Scheme For households
The Scheme offers 3% interest loans of between $2,000 and $20,000* to eligible ACT households. Get started today by requesting quotes from eligible vendors.
Find out if you're eligibleProducts available through the Scheme
Category A
Batteries & EV chargers
- Battery storage systems
- Electric vehicle charging infrastructure
Category B
Energy efficient upgrades
- Reverse cycle heating & cooling systems
- Hot water heat pumps
- Efficient electric stove tops
Category C
Electric vehicles
- Electric cars (new and used)
- Electric motorbikes (new and used)
- E-Cargo bikes
Looking for the Home Energy Support Program?
Eligible households can access up to $5,000 in rebates and up to $10,000 in an interest-free loan — Learn more.
Loan details
- Finance amount
-
New to the Scheme? You can borrow between $2,000 to $20,000.
* If you've already taken a loan through the Scheme, you can borrow between $2,000 to $15,000.
- Interest
-
3% fixed interest rate
Comparison rate 3.00% p.a.^
- Repayments
- Fortnightly
- Repayment terms
- Up to 10 years
- Customer fees
-
- $0 establishment fee
- $0 weekly account keeping fee
- $0 introducer fee
- $4.99 late payment fee late payment fee may be applied if you miss a repayment (Late fees are capped at $49.90/year)
- Eligibility & terms
Information and interest rates are current as at 1 July 2025 and are subject to change.
^ Comparison rate calculated on an unsecured loan amount of $30,000 over a term of 5 years based on fortnightly repayments. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
How to get started
Step 1: Find a supplier
Use the Brighte Marketplace to review a personalised list of local vendors that can help you install your desired product.
Step 2: Get a quote
You can request quotes from multiple suppliers. So don't be afraid to shop around.
Step 3: Apply for finance
Once you’ve found your preferred supplier, let them know you would like to participate in the Sustainable Household Scheme and they will start the loan process on your behalf. Brighte will then contact you to apply for the Sustainable Household Scheme's 3% interest loan.
That’s it! Once approved for finance, your chosen vendor will take care of the installation process for you.
Find suppliersACT Government buyers guides and workshops
We encourage all customers to review the ACT buyers guides and to attend an online workshop for help with your energy efficiency choices.
Frequently asked questions
What is Brighte's role in the ACT Sustainable Household Scheme?
Brighte is the ACT Government's finance and administration partner for the Sustainable Household Scheme, providing the Scheme's 3% fixed interest loans to eligible ACT households.
How much can I borrow under the ACT Sustainable Household Scheme?
New ACT Sustainable Household Scheme participants can borrow $2,000 to $20,000 at a 3% fixed interest rate. If your first Scheme loan was taken out before 1 July 2026, the limit is $15,000. Loans are repaid fortnightly over 2 to 10 years.
What can I buy with an ACT Sustainable Household Scheme loan?
The ACT Sustainable Household Scheme covers batteries, EV chargers, efficient heating and cooling, heat-pump and evacuated-tube hot water systems, efficient electric cooktops, eligible fully electric vehicles, e-cargo bikes and ceiling insulation, supplied and installed by a Brighte-accredited vendor. Solar panels, hybrid vehicles and mid-floor or between-floor insulation aren't eligible.
Who is eligible for the ACT Sustainable Household Scheme?
You may be eligible for the ACT Sustainable Household Scheme if you're 18 or over, an Australian resident with an Australian mobile number and email address, have verifiable income and meet Brighte's credit assessment. The upgrade must be for an established, non-commercial ACT home built more than 12 months ago, with an unimproved value of $750,000 or less for houses and townhouses, or $300,000 or less for unit-titled apartments. Home upgrades and ceiling insulation also require you to own the property or live with the owner; electric vehicles require a current ACT driver licence and that you're an ACT homeowner or tenant.
What fees apply to the ACT Sustainable Household Scheme loan?
The ACT Sustainable Household Scheme loan has a 3% fixed interest rate with no establishment fee, no account-keeping fee and no introducer fee. A $4.99 late payment fee may apply if you miss a repayment, capped at $49.90 a year.
What do I need to apply for an ACT Sustainable Household Scheme loan?
To apply for an ACT Sustainable Household Scheme loan through Brighte, you need to be 18 or over and an Australian resident, pass a Brighte credit assessment, have an Australian driver's licence, passport or Medicare card, and provide your own email address and mobile number.
How do I find my ACT property's Unimproved Value (UV)?
Search your address on the Access Canberra unimproved values register to find your ACT property's Unimproved Value (UV). It matters because the ACT Sustainable Household Scheme has UV limits: $750,000 or less for houses and townhouses, and $300,000 or less for unit-titled multi-storey apartments. The lowest UV recorded from 2022 onward is used.
Can I borrow more than my ACT Sustainable Household Scheme loan limit?
Yes, if your job costs more than your ACT Sustainable Household Scheme limit, you can apply for additional Brighte finance through your vendor. It's a separate application with its own interest, fees and credit assessment.