Finance
NSW Home Energy Saver Loan: 0% Interest Solar and Battery Finance
The NSW Home Energy Saver Loan (often searched as the home energy saver program) is a state-approved loan that lets eligible NSW homeowners borrow up to $15,000 at 0% interest with no fees for approved energy upgrades, including solar, solar and battery, and battery storage.
HV Solar is authorised through Brighte to offer it. Here's a plain-English guide to how it works, who can apply and what to expect. Eligibility criteria and approved-upgrade requirements apply, and the details can change, so always check Brighte's official page for the latest.
Apply through Brighte
Opens in a new tab0% interest
No fees on the loan
Up to $15,000
Subject to approval
Up to 10 years
Repayment terms, subject to approval
NSW Government funded
Delivered by Brighte
Pay on completion
Installer paid only after you confirm the job is done
Not a rebate
It's a loan that must be repaid
What is the NSW Home Energy Saver Loan?
It's a 0% interest loan with no fees, for up to $15,000 and up to 10 years to repay, subject to approval. It's funded by the NSW Government and delivered by Brighte, an official launch financial partner.
Loans are provided and managed by Brighte and are subject to their assessment.
A loan, not a rebate
People often search for a NSW solar battery rebate and land on this program. It's important to be clear: this is not a rebate or a grant. It's a loan you repay, but with 0% interest and no fees, which can make upfront costs much easier to manage.
We won't promise savings or amounts beyond what the lender confirms. Your quote will show what your system costs, and Brighte will confirm what you can borrow.
What upgrades does it cover?
Approved upgrades include solar systems, solar and battery systems, battery storage, EV chargers, hot water heat pumps, reverse cycle air conditioning, double glazing windows, induction cooktops and insulation, with some others coming soon.
HV Solar installs solar, solar and battery systems, and battery storage. For the other upgrades, you'd need a different provider.
Who can apply?
The program is for NSW homeowners, whether you live in the property or rent it out as a landlord. Your household's total taxable income can't exceed $210,000 per year, and you'll need to meet Brighte's credit assessment. The full list is below.
Rules can change, so confirm the latest on Brighte's official page before you apply.
How your installer is protected and paid
Installers offering the loan are vetted by Brighte and are NETCC Approved Sellers. Brighte pays the installer directly, but only once you confirm the job is complete.
At HV Solar, our design and installation is all done in-house by our own team. We are SAA accredited, NECA and Master Electricians trusted, with remote monitoring and aftercare after install.
Should you also consider Handypay?
If you need to borrow more than $15,000, such as for a larger or off-grid system, or you don't meet the eligibility criteria, Handypay may be an option. See our solar finance page for details.
We can't give financial advice, so consider what suits your situation. Call us on 02 4017 1181 and we'll walk you through it with no pressure.
How to apply
Getting started
- 01
Talk to HV Solar
We'll design a system for your home and give you a clear quote.
- 02
Apply through Brighte
Complete the online application using our link and Brighte will assess it.
- 03
We install your system
Our in-house team handles design and installation.
- 04
Confirm completion
Brighte pays us directly only once you confirm the job is complete.
Am I eligible?
- Household total taxable income not exceeding $210,000 per year
- Property is in NSW
- You own the property (owner-occupier or landlord)
- You meet Brighte's credit assessment
- Australian citizen or permanent resident
- Property is not social housing or used for short-stay accommodation
HV Solar is not a lender and does not give financial advice. Approval is up to the lender, and rules can change.
FAQ
Finance questions answered
Is the NSW Home Energy Saver Loan a rebate?+
No. It's a loan with 0% interest and no fees, which you repay. It isn't a rebate or a grant.
How much can I borrow?+
Up to $15,000, with up to 10 years to repay, subject to approval by Brighte.
Can I use it for solar and a battery?+
Yes, approved upgrades include solar, solar and battery systems, and battery storage, within the program's requirements.
Can landlords apply?+
Yes. You can be an owner-occupier or a landlord, as long as the property is in NSW, isn't social housing and isn't used for short-stay accommodation.
What is the income limit?+
Household total taxable income can't exceed $210,000 per year. Check Brighte's official page for the latest criteria.
When does the installer get paid?+
Brighte pays the installer directly only once you confirm the job is complete.
Can I use it for an off-grid system?+
The loan covers up to $15,000, which may cover part of a larger project. Whether your system qualifies depends on the approved-upgrade requirements and Brighte's assessment, so call us to check.
Who is the lender?+
Brighte provides and manages the loan. HV Solar is not a lender and does not give financial advice. Approval is always up to the lender, and rules and eligibility can change, so check the lender's official information for the latest. Official info: https://brighte.com.au/homeowners/nsw-home-energy-saver-loan
Want to talk it through?
Call us or send an enquiry and we'll explain your options in plain English, with no hard sell.