Easy application
Apply online with Brighte, which specialises in finance for home energy upgrades. Brighte assesses the application and confirms the available terms.
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NSW Government's Home Energy Saver loan program
NSW 0% Interest Home Energy Saver Loan
0% interest finance for eligible NSW solar, battery and EV charger upgrades. Funded by the NSW Government and delivered by Brighte. Eligibility and credit approval apply.
- 0% interest
- Up to $15,000
- Up to 10 year terms
No standard fees apply to the loan; late payment fees may apply. Loans are subject to assessment, eligibility criteria and approved upgrade requirements.
Finance provider
Home Energy Saver loan by Brighte
How the NSW 0% interest loan works
This is a loan, not a rebate or grant. The finance is funded by the NSW Government and delivered by Brighte. You repay what you borrow, subject to the applicable terms.
- Interest rate
- 0%
- Finance amount
- $2k-$15k
- Repayment term
- Up to 10 years
Easy payments
After you confirm the approved work is complete, Brighte pays the installer directly and you repay Brighte over the agreed term.
Eligibility overview
Who is eligible for the NSW Home Energy Saver loan?
Brighte makes the final eligibility and credit decision. As an overview, applicants generally need to meet all of the following conditions.
NSW property
The property must be located in New South Wales.
Eligible owner
You must own the property as an owner-occupier or landlord.
Household income
Total household taxable income must not exceed $210,000 per year.
Residency status
Applicants must be Australian citizens or permanent residents.
Eligible property use
Social housing and short-stay accommodation are not eligible.
Credit assessment
Every application is subject to Brighte assessment and approval.
Criteria can change. Confirm the complete, current requirements on Brighte's official eligibility page.
Approved upgrade categories
Home energy upgrades you can finance
Products and installations must meet the program requirements. Eligible categories currently include:
Solar systems
An eligible rooftop solar system designed for the property.
Solar and batteries
A combined solar and battery system or eligible battery storage.
EV chargers
An eligible home EV charger installed to program requirements.
Other home upgrades
Eligible heat pumps, reverse-cycle systems, glazing, induction cooking and other listed upgrades.
A clear next step
How to apply for the Home Energy Saver loan
- 01
Plan the right upgrade
Review your bills, property and goals before selecting equipment.
- 02
Confirm program eligibility
Check the latest criteria and approved upgrade requirements with Brighte.
- 03
Apply through Brighte
Brighte assesses the finance application and confirms the available terms.
- 04
Install and confirm completion
The approved upgrade is installed and completion is confirmed through the program process.
Talk to a local energy team
Not sure which upgrade suits your home?
Call Sunbridge to discuss solar, battery or EV charger installation. For loan eligibility and finance approval, use Brighte's official application pathway.
FAQ
NSW Home Energy Saver loan FAQs
The Home Energy Saver loan by Brighte helps eligible NSW households spread the cost of approved energy upgrades at 0% interest. It is funded by the NSW Government and delivered by Brighte, subject to credit approval, eligibility criteria and terms.
No. It is a loan funded by the NSW Government and delivered by Brighte. You repay the amount borrowed under the applicable terms.
Eligible applicants may be able to borrow from $2,000 up to $15,000, with repayment terms of up to 10 years. Brighte confirms the approved amount and term.
The property must be in NSW and owned by the applicant, as an owner-occupier or landlord. Applicants must be Australian citizens or permanent residents, with total household taxable income no greater than $210,000 a year. Social housing and short-stay accommodation are excluded. Brighte credit assessment and program requirements apply.
Landlords may apply for eligible NSW properties they own, subject to all program and credit requirements. Renters cannot apply as property owners under this program.
Solar systems are a listed upgrade category. The equipment, installer and installation must meet program requirements; approval of a loan does not make every solar quote eligible.
Battery storage and combined solar and battery systems are listed categories. Confirm the proposed system meets the approved upgrade requirements before committing to a quote.
Home EV chargers are a listed upgrade category. Confirm the charger and installation meet the program requirements. Sunbridge can discuss site suitability, while Brighte determines finance approval.
Eligible upgrades can be combined within the approved loan limit, up to $15,000. If the project costs more than the approved finance, you must arrange payment of the difference.
Start with an eligible upgrade quote and check the official Brighte application pathway. Sunbridge can help discuss installation in Sydney; Brighte assesses the loan. Booking an inspection does not submit a finance application or guarantee eligibility.
Brighte requires the installer to be Brighte-accredited and hold current NETCC accreditation for this program. Confirm the installer and proposed work are eligible before proceeding.
Brighte states that this loan can be repaid early without an early repayment fee. Confirm the account balance and current terms directly with Brighte.
Brighte assesses applications and makes the credit approval decision. Sunbridge does not determine or guarantee finance eligibility.
Compare the separate 0% Interest Payment Plan for QLD and VIC, or read our battery rebate guidance.
Home Energy Saver loans are funded by the NSW Government and delivered by Brighte. All applications are subject to Brighte’s credit approval criteria. Late payment fees, Terms and Conditions apply. Australian Credit Licence Number 508217.
Information on this page is general information only and does not constitute personal financial advice.
Checked against Brighte's official loan information on 14 September 2026. Provider information is dated 17 June 2026 and is subject to change.