The Home Energy Saver loan by Brighte provides zero-interest, no-fee loans of up to $15,000 to eligible NSW households for approved energy saving upgrades. Home Energy Saver loans are funded by the NSW Government and delivered by Brighte.
As an approved vendor, you're at the centre of the program delivering and installing the upgrades directly for customers, and giving them access to the finance that makes those upgrades possible.
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.
Product requirements
Solar
Designed and installed by an SAA-accredited designer and installer; eligible under SRES; modules and inverters on the CEC approved components list; inverter must be CSIP-AUS compliant; must be installed with an eligible battery; registered on the AEMO DER Register.
Battery
Usable capacity over 5 kWh; 10-year warranty with 70% capacity retention; internet connectable and VPP-capable; installed at a site with behind-the-meter solar; registered on the AEMO DER Register; purchased from a NETCC Approved Seller.
EV charger
Level 2 only; installed by a licensed electrician; purchased from a NETCC Approved Seller.
Air conditioners
Reverse-cycle only (not cooling-only or heating-only); listed on the GEMS registry; refrigerant GWP under 700 for applicable classes; minimum 5-year manufacturer warranty; designed and installed per AS/NZS 5141:2018.
Heat pump water heaters
Listed on the IPART Accepted Products List and the Clean Energy Regulator's register; refrigerant GWP under 700; minimum 5-year whole-of-system warranty.
FAQs
Are there any fees for vendors, or for customers?
No. The Home Energy Saver Loan by Brighte has no interest, no account fees, no service fees, no administrative fees, and no surcharges. Brighte will not charge the Vendor any fees and Vendors are not permitted to charge customers any fees, loadings, or on-costs in connection with the loan or the supply and installation of approved products. The only exception is a late payment fee of $4.99 for customers, capped at $49.90 per year.
What if the customer's project costs more than $15,000?
The Home Energy Saver Loan by Brighte covers up to $15,000. If the total project cost exceeds this, the customer must fund the difference themselves. It must remain a separate facility and cannot be rolled into or merged with another financial product. You must not charge the customer any fees, surcharges, or on-costs in connection with the Home Energy Saver Loan by Brighte portion.
Can I charge the customer any fees?
No. Customers must not be charged, required to pay, or otherwise incur any fees, charges, loadings, on-costs, or other amounts in relation to their Home Energy Saver Loan by Brighte or the supply and installation of any related approved product. This includes merchant fees, service fees, administrative fees, surcharges, or any other direct or indirect costs.
Can a customer apply for multiple loans?
Yes. Customers may apply for more than one Home Energy Saver Loan by Brighte over the life of the program, provided the total across all loans for the same property does not exceed $15,000. For example, a customer might take out a $9,000 loan for solar and a battery, then later apply for a $6,000 loan for a heat pump water heater.
Do I need to help customers access other government incentives?
Yes. Before a customer receives a Home Energy Saver Loan by Brighte, you must ensure that any relevant incentives or benefits available through existing Commonwealth and/or NSW government energy programs are first applied to the customer. Customers can check their eligibility for the Home Energy Saver discount at energy.nsw.gov.au/home-energy-saver, and explore other incentives available under the NSW Energy Savings Scheme (ESS) and the Peak Demand Reduction Scheme (PDRS). These programs can reduce the total system cost and the customer's associated loan amount. If the customer wants to apply for a discount and loan, they must apply for the discount first. Households can check their eligibility and apply for the discount at energy.nsw.gov.au/home-energy-saver
What government registers do I need to use?
Depending on the product type, you may need to reference or register with: the Clean Energy Regulator's SRES scheme (for solar PV and batteries), the CEC approved components list (for solar modules, inverters, and batteries), the AEMO DER Register (solar and battery installations must be registered), the GEMS registry (for air conditioners), the IPART Accepted Products List (for heat pump and solar water heaters), and the NSW Consumer Energy Resources Installer Portal (when released in the future).