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For households

NSW Home Energy Saver loan by Brighte

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

  • 0% interest with no fees
  • Borrow up to $15,000
  • Up to 10 years repayment terms
How to apply or see eligibility criteria

Upcoming changes to eligibility

The NSW Government is reducing the combined taxable household income eligibility cap for the Home Energy Saver loan from $210,000 to $150,000.

Existing referrals and in-progress applications must be submitted before 9am on 10 November.

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.

Energy saving upgrades, made easier

0% interest

Borrow up to $15,000 and repay only what you borrow.

Spread the cost over time

Flexible terms of up to 10 years, subject to approval.

Government-backed

Home Energy Saver loans are funded by the NSW Government and delivered by Brighte.

Accredited vendors Accredited vendors Applying for finance Brighte pays the installer directly

Why Brighte?

01

Every installer is vetted

Every installer offering this loan is vetted by Brighte and is a NETCC Approved Seller, a nationally recognised consumer protection standard.

02

We’ll connect you with the right installer

Don’t have one in mind? We’ll match you with an accredited installer in your area.

03

Simple to use, real support

Apply online in minutes. Brighte’s application is built specifically for energy upgrades. Australian-based support team when you need it.

04

You don’t pay the installer — we do

Brighte pays your installer directly, and only once you confirm the job is complete.

Family home with solar installation

Am I eligible?

  • 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.

Eligibility criteria and approved upgrade requirements apply. Loans are provided and managed by Brighte and are subject to assessment.

How to apply

Which upgrades are available?

The Home Energy Saver Loan can be used for approved energy saving upgrades, including:

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

Eligible upgrades are subject to change. Refer to energy.nsw.gov.au/home-energy-saver for the most up-to-date list.

About the Home Energy Saver loan by Brighte

Finance amount
$2,000 – $15,000
Interest rate

0% interest rate

Comparison rate 0.00% p.a.^

Repayment terms
Up to 10 years
Customer fees
  • $0 establishment fee
  • $0 weekly account keeping fee
  • $0 introducer fee
  • $4.99 late payment fee may be applied if you miss a repayment (Late fees are capped at $49.90/year)
Eligible products
  • Solar system
  • Solar & battery system
  • Battery storage
  • EV charger
  • Hot water heat pump
  • Electric heating & cooling systems (reverse cycle)
  • Induction cooktops

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

Installed by

A Brighte accredited installer who holds current NETCC accreditation, a mandatory program requirement.

Need to find a vendor?

You can find vendors for your energy upgrade in the Brighte marketplace.

Find vendors
Eligibility
  • 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.

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.


Information and interest rates are current as at 17 June 2026 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.

The NSW Government will soon expand Home Energy Saver to include discounts on energy saving upgrades. You may be eligible for a discount if your household earns up to $80,000 a year or if someone in your home holds an eligible concession card.  If you would like to apply for a discount and loan, you must apply for the discount first. Check your eligibility now: energy.nsw.gov.au/home-energy-saver

For households

Get started today

Take control of your energy costs with a 0% interest, no-fee loan.

How to apply

For vendors

Are you a vendor?

Help NSW households to make the switch to energy saving upgrades.

Get involved

FAQs

What is the NSW Home Energy Saver loan by Brighte?

The NSW Home Energy Saver loan by Brighte is a 0% interest loan of $2,000 to $15,000, repaid over up to 10 years, for NSW households with a combined taxable income of $210,000 or less installing approved energy-saving upgrades. It's a loan, not a grant or rebate, so you repay only what you borrow. The loan is funded by the NSW Government and delivered by Brighte.

How do I apply for the NSW Home Energy Saver loan?

To apply for the NSW Home Energy Saver loan, get a quote from a Brighte-accredited installer, who will send you a Brighte application link pre-filled with your upgrade and price. You then confirm your eligibility and income online, and Brighte tells you and your installer the outcome. Don't have an installer? Find one in the Brighte Marketplace.

Can I get the NSW Home Energy Saver discount and the Home Energy Saver loan?

Yes, you can get both the NSW Home Energy Saver discount and the Home Energy Saver loan if you're eligible for each. The NSW Government's discount of up to $4,000 is coming soon for households earning up to $80,000 a year or holding an eligible concession card. The Government recommends applying for the discount first, because if you take the loan first, the discount can't be used on the same purchase.

Who is eligible for the NSW Home Energy Saver loan?

NSW property owners, 18+, either owner-occupiers or landlords, may be eligible for the Home Energy Saver loan if they're Australian citizens or permanent residents and their household's combined taxable income is $210,000 or less. Renters, social or community housing and short-stay rentals aren't eligible. All applications are subject to Brighte's credit assessment.

Can I bundle several upgrades or take more than one NSW Home Energy Saver loan?

Yes, you can bundle several approved upgrades into one NSW Home Energy Saver loan, or take more than one loan over the life of the program, as long as the total for the property stays at or under $15,000. If your project costs more, you pay the difference.

Can I use my own installer for the NSW Home Energy Saver loan?

Yes, if your installer is Brighte-accredited for the NSW Home Energy Saver loan. Installers of solar PV, batteries and EV chargers also need NETCC Approved Seller status; other upgrades require the appropriate contractor licences. If your installer isn't accredited yet, they can apply, or you can find an accredited installer in the Brighte Marketplace.

When does Brighte pay my installer, and when do NSW Home Energy Saver loan repayments start?

Under the NSW Home Energy Saver loan, Brighte pays your installer directly, and only after you confirm the job is complete and working. Your first repayment is due 28 days after Brighte pays your installer, and you never pay the installer the loan-funded amount yourself.

Can I pay off the NSW Home Energy Saver loan early?

Yes, you can repay your NSW Home Energy Saver loan by Brighte early at any time, with no early repayment fee.

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