NSW Home Energy Saver Program
$15,000 interest-free loans and up to $4,000 in discounts for solar, batteries and home electrification across Sydney
NSW Home Energy Saver Program in Sydney
The NSW Home Energy Saver Program is a $557 million NSW Government initiative that removes the biggest barrier to going solar or adding a home battery: the upfront cost.
Eligible NSW households can access a zero-interest loan of up to $15,000, repaid over up to 10 years, or a discount of up to $4,000 for lower-income households and concession card holders. There is no interest on the loan — you repay only what you borrow.
For a typical Sydney home, that means a quality solar system, a battery, or a full electrification upgrade can be installed now and paid off from the savings on your power bill, rather than in one lump sum.
If you live in Chatswood, Lane Cove, Willoughby, St Ives, Pymble, Turramurra, Wahroonga, Hornsby, Ryde, Epping, Mosman, North Sydney or the surrounding suburbs, Solarpro can walk you through the NSW Home Energy Saver Program and design the right system for your home.
How Much Can You Get?
Home Energy Saver has two separate streams. Depending on your circumstances you may qualify for one or both.
Zero-interest loan — up to $15,000. Open now.
- Repaid over a term of up to 10 years
- No interest, no hidden fees on the borrowed amount
- Covers the approved upgrade and its installation
- Delivered by Brighte and Plenti
- For households with a combined taxable income of $210,000 or less
Discount — up to $4,000. Opening later in 2026.
- A direct reduction off the price of your upgrade, not a loan
- Aimed at lower-income households, pensioners and concession card holders
- Delivered by Creditex
- Also intended to be available to renters, with the landlord’s permission
If you expect to qualify for both, the NSW Government recommends applying for the discount first, then using the zero-interest loan to cover whatever is left. The $480 million loan pool is expected to support more than 32,000 NSW households.
What Upgrades Are Covered?
The same approved upgrade list applies to both the loan and the discount. Under the NSW Home Energy Saver Program you can put your funding towards:
- Rooftop solar systems
- Home batteries and battery storage
- Heat pump hot water systems
- Solar water heaters
- Reverse-cycle air conditioning
- Induction cooktops
- EV chargers
- DC ceiling fans
- Insulation
- Draught proofing
- Window glazing
- Switchboard upgrades
- NatHERS home energy assessments
Solarpro designs and installs the solar, battery, EV charging and switchboard side of that list — the upgrades that usually make the biggest difference to a Sydney power bill.
One thing worth knowing: the funding covers the eligible upgrade and its installation. Separate remedial work such as rewiring is not automatically included, although a switchboard upgrade is an eligible upgrade in its own right.
Am I Eligible for the Home Energy Saver Loan?
Most Sydney homeowners will pass the basic test. To apply for the zero-interest loan you generally need to:
- Own a property in NSW, as an owner-occupier or a landlord
- Be an Australian citizen or permanent resident
- Have a combined taxable household income of $210,000 or less
- Be installing an approved upgrade through an accredited supplier
- Meet the finance provider’s credit and responsible lending checks
The discount stream is targeted more tightly at lower-income households, pensioners, concession card holders and renters with landlord approval.
You can stack it with other rebates. Any federal or NSW incentives you are entitled to — the Cheaper Home Batteries Program, small-scale technology certificates on your solar, or the NSW PDRS virtual power plant incentive — come off the system price first. Home Energy Saver then helps you cover what is left. For a lot of North Shore households that combination is the difference between a battery being a someday purchase and a this-year one.
Full criteria are set out in the NSW Government’s Home Energy Saver guidelines at energy.nsw.gov.au.
How to Apply in Four Steps
Solarpro handles the technical side so you can focus on the decision
1. Check your eligibility
Confirm you own a NSW property, are a citizen or permanent resident, and your combined taxable household income is $210,000 or less.
2. Book an assessment
Solarpro reviews your roof, switchboard, phase configuration, hot water, EV charging plans and evening energy use, then sizes the system properly.
3. Get an itemised quote
Your quote shows the cash price, every rebate already applied, and exactly what the Home Energy Saver loan or discount needs to cover.
4. Apply and install
Apply through an approved provider. Once you are approved, we book the install, lodge the network application and commission the system.
Home Energy Saver Installers Across Northern Sydney
Solarpro is a local installer, not a national call centre. We know the switchboards, the roof types, the heritage overlays and the network requirements across Northern Sydney, and we have been designing solar and battery systems for these homes for years.
We install under the NSW Home Energy Saver Program throughout:
North Shore: Chatswood, Willoughby, Artarmon, Lane Cove, Crows Nest, North Sydney, Mosman, Cremorne, Neutral Bay, Roseville, Lindfield, Killara, Gordon, Pymble, St Ives, Turramurra, Wahroonga, Waitara, Hornsby
Northern Sydney and the Hills: Ryde, West Ryde, Denistone, Eastwood, Epping, Carlingford, Beecroft, Cheltenham, Pennant Hills, Thornleigh, Castle Hill, Baulkham Hills
Northern Beaches: Manly, Balgowlah, Seaforth, Frenchs Forest, Dee Why, Narrabeen, Mona Vale, Avalon
NSW Home Energy Saver Program FAQs
What is the NSW Home Energy Saver Program?
Home Energy Saver is a $557 million NSW Government program that lowers the upfront cost of energy saving home upgrades. Eligible households can access a zero-interest loan of up to $15,000 repaid over up to 10 years, or a discount of up to $4,000. It covers rooftop solar, home batteries, heat pump hot water, reverse-cycle air conditioning, EV chargers, switchboard upgrades, insulation and more.
How much can I get through the NSW Home Energy Saver Program?
Eligible NSW households can apply for a zero-interest loan of up to $15,000 over a term of up to 10 years. A separate discount of up to $4,000 is available for lower-income households and eligible concession card holders. If you qualify for both, the NSW Government recommends applying for the discount first, then using the loan to cover the remaining amount.
Who is eligible for the Home Energy Saver zero-interest loan?
Broadly, you need to own the NSW property where the upgrade is installed as either an owner-occupier or a landlord, be an Australian citizen or permanent resident, and have a combined taxable household income of $210,000 or less. Applications are also subject to the finance provider’s credit and responsible lending checks. Full criteria are set out in the NSW Government’s Home Energy Saver loan guidelines.
Does the NSW Home Energy Saver Program cover solar panels and home batteries?
Yes. Rooftop solar and home batteries are both on the approved upgrade list, along with heat pump hot water, solar water heaters, reverse-cycle air conditioners, induction cooktops, EV chargers, DC ceiling fans, insulation, draught proofing, window glazing, switchboard upgrades and NatHERS assessments.
Can Home Energy Saver be combined with the federal Cheaper Home Batteries rebate?
Yes. Other incentives you qualify for, such as the federal Cheaper Home Batteries Program, small-scale technology certificates for solar, and the NSW PDRS virtual power plant incentive, are applied to the system price first. The Home Energy Saver loan or discount then helps cover the remaining amount.
Can renters access the NSW Home Energy Saver Program?
The zero-interest loan is for property owners, either owner-occupiers or landlords. The discount stream is intended to be available to renters who have their landlord’s permission to make an eligible upgrade.
When did the NSW Home Energy Saver Program start?
The zero-interest loan stream opened on 17 June 2026 and is delivered through approved finance providers Brighte and Plenti. The discount stream, delivered by Creditex, is scheduled to open later in 2026.
Which Sydney suburbs does Solarpro install in?
Solarpro installs across the North Shore, Northern Sydney and the Hills, including Chatswood, Lane Cove, Willoughby, Artarmon, Crows Nest, North Sydney, Mosman, Ryde, Epping, Eastwood, Gordon, Killara, Roseville, Pymble, St Ives, Turramurra, Wahroonga, Hornsby, Castle Hill and surrounding suburbs.
Information on this page is a general summary of the NSW Home Energy Saver Program current at the time of writing and is not financial advice. Program terms, funding pools and eligibility criteria can change. Check energy.nsw.gov.au for the current guidelines before you apply.
