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Get accredited for the NSW Home Energy Saver loan by Brighte

Offer your customers a loan funded by the NSW Government

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

Changes to eligibility

On 10 November, the combined taxable household income limit changed to $150,000.

Applications submitted before this date remain under the previous $210,000 limit.

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 $150,000 per year, including homeowners and landlords.

  • Your household’s total taxable income not exceeding $150,000 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.

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

Brighte has an approved product category selection available now, with more options coming soon. You can still get accredited now and we'll reach out when your category is available.

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
$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.

Eligibility
  • The household’s total taxable income not exceeding $150,000 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.


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.

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.

The AG Solar team

“Brighte is easy to use. It's not weeks and weeks of filling out forms. That's what people want: simplicity, quick service.”

David
AG Solar
Read the AG Solar story

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

Installer FAQs

Household questions? See the household FAQs.

What does it cost my business to offer the NSW Home Energy Saver loan by Brighte?

Offering the NSW Home Energy Saver loan by Brighte costs installers nothing: there is no setup fee, listing fee or commission. Your customer pays 0% interest with no establishment or account-keeping fees. Under NSW program rules, you must not add any fee, surcharge or on-cost to the loan-funded portion of a job.

How and when does Brighte pay installers for NSW Home Energy Saver loan jobs?

Brighte pays installers the NSW Home Energy Saver loan amount directly once the customer confirms the installation is complete and working and you've provided the required settlement documents: your invoice, STC paperwork and Certificate of Compliance for Electrical Work (CCEW). You never chase the customer for the loan-funded portion. You collect any deposit or customer contribution in your quote as usual, and the total can't exceed your quoted price.

What happens after I refer a customer for the NSW Home Energy Saver loan?

After you refer a customer for the NSW Home Energy Saver loan, you send them a Brighte application link pre-filled with the upgrade and quoted price. Brighte then checks the customer's eligibility and credit, and tells you both the outcome. Once approved, the customer signs their Brighte loan contract, you complete the job, and Brighte pays you once the customer confirms it's done and you've provided your settlement documents.

Which upgrades can installers offer the NSW Home Energy Saver loan for?

Installers can offer the NSW Home Energy Saver loan by Brighte now for solar, solar and battery, battery storage, EV chargers, hot water heat pumps, reverse cycle air conditioning, double glazing and induction cooktops. Insulation, draught proofing and ceiling fans are coming soon; you can get accredited with Brighte today and we'll contact you when your category opens.

How do I get accredited with Brighte to offer the NSW Home Energy Saver loan?

To offer the NSW Home Energy Saver loan, new vendors apply to Brighte online in about 10 minutes, then complete training with Brighte's partnerships team. Existing Brighte vendors can request Home Energy Saver access through the form on this page and the team will contact you. You'll need the right contractor licences and, for solar PV, batteries and EV chargers, NETCC Approved Seller status.

What marketing rules apply to installers offering the NSW Home Energy Saver loan?

Installers must use only the approved Home Energy Saver materials in the Brighte Marketing Hub. The NSW program's ethical marketing rules apply to you and your subcontractors: no door-to-door selling, no cold calling and no pressure tactics. You cannot use the NSW Government logo.

Do rebates have to be applied before the NSW Home Energy Saver loan?

Yes, installers must apply all relevant federal and NSW incentives before the NSW Home Energy Saver loan, including the Energy Savings Scheme, Peak Demand Reduction Scheme and small-scale technology certificates. Show them on an itemised quote; the loan then covers the remaining balance, up to $15,000.

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.