Making home energy upgrades more affordable
If you’ve been thinking about upgrading your home with solar, a battery, more efficient air conditioning or other energy-saving improvements, the NSW Home Energy Saver loan by Brighte could make it easier to get started.
The program offers eligible NSW homeowners and landlords access to interest-free finance of up to $15,000 for approved home energy upgrades, with repayment terms of up to 10 years.
At DNR, we know there can be a lot to take in when it comes to rebates, loans and energy upgrades. So we’ve put this guide together to explain the program in plain English — what it offers, who may be eligible and how we can help you work out which upgrades make sense for your home.
Home Energy Saver at a glance
Key features of the program for eligible NSW households.
- 0% interest
- Up to $15,000 in finance
- Repayment terms up to 10 years
- Up to $4,000 in discounts — coming soon*
Loans are subject to eligibility criteria, lending assessment and approved-upgrade requirements. Terms, conditions, fees and charges apply.
HOW IT WORKS
A simple path from enquiry to installation
We’ll help you understand the upgrade options for your home, while Brighte manages the finance application and lending assessment.
Talk to DNR
Tell us what you’d like to improve and what you want to achieve.
Choose the right upgrade
We assess your home and recommend suitable eligible energy upgrades for your needs.
Apply through Brighte
Brighte assesses your finance application and confirms eligibility and approval.
Installation & handover
Once approved, DNR schedules the work, completes the installation and explains your new system.
What can you use the Home Energy Saver loan for?
The Home Energy Saver loan can be used for a range of approved energy-efficient home upgrades. The right combination will depend on your home, energy use and what you want to achieve.
Solar Power
Generate more of your own electricity and reduce how much energy you need to buy from the grid.
Battery Storage
Store more of your solar energy for use later and reduce your reliance on grid electricity.
Energy-Efficient Air Conditioning
Generate more of your own electricity and reduce how much energy you need to buy from the grid.
EV Charging
Make home EV charging more convenient with a professionally installed charging solution.
DNR can also help with eligible heat-pump hot water, induction cooking and DC ceiling fan upgrades.
Eligible products and installations are subject to Home Energy Saver program requirements. DNR can help you identify suitable upgrade options for your home.
Could you be eligible for the 0% interest loan?
The NSW Home Energy Saver loan could help eligible homeowners and landlords spread the cost of approved home energy upgrades, with up to $15,000 available at 0% interest and repayment terms of up to 10 years.
DNR can help you identify suitable energy upgrades for your home and prepare your quote. Your finance application and final loan eligibility are assessed and approved by Brighte.
You may be eligible if:
followed by our eligibility checklist.
- Your property is located in NSW
- You own the property as an owner-occupier or landlord
- Combined household taxable income does not exceed $210,000 per year
- You are an Australian citizen or permanent resident
- You meet Brighte's credit assessment requirements
- The property is not social housing or short-stay accommodation
Important: Eligibility criteria apply. Loans are provided and managed by Brighte and are subject to Brighte’s assessment and credit approval. Approved upgrade requirements also apply.
FINANCE & SUPPORT
Two ways the Home Energy Saver program can help
The NSW Home Energy Saver program includes interest-free finance available now, with additional discounts planned for eligible households.
Up to $15,000 at 0% interest
Spread the cost of eligible home energy upgrades with interest-free finance through Brighte.
- 0% interest
- $2,000–$15,000 finance
- Repayment terms up to 10 years
- For approved energy upgrades
Eligibility criteria, lending assessment, terms and approved-upgrade requirements apply.
Up to $4,000 in discounts*
Additional discounts are planned for eligible lower-income households and concession card holders to help reduce the upfront cost of approved upgrades.
- Up to $4,000 support*
- Means-tested eligibility
- Eligible concession card holders may qualify
- Approved upgrades only
*Discount applications are not yet open. Eligibility criteria and program requirements will apply.
Why choose DNR?
One local team from advice to installation
DNR can help you choose the right energy upgrades for your home, prepare your quote and coordinate the installation — with experienced local trades looking after the work.
17+ Years Local Experience
Local experience serving Lake Macquarie, Newcastle, the Hunter and Central Coast.
NETCC Approved Seller
DNR is a New Energy Tech Approved Seller, committed to recognised consumer protection standards for the sale and installation of new energy technology.
Complete Energy Solutions
Solar, batteries, air conditioning, heat pump hot water, EV charging, induction cooking and efficient electrical upgrades.
Local After-Sales Support
Local help after installation for your system, warranties and ongoing energy needs.
HOME ENERGY SAVER FAQs
Frequently asked questions
Find answers to common questions about the NSW Home Energy Saver program, 0% interest loans, eligibility and eligible home energy upgrades.
What is the NSW Home Energy Saver program?
The NSW Home Energy Saver program is a NSW Government initiative designed to help eligible households make energy-saving home upgrades more affordable.
Eligible homeowners can access 0% interest finance for approved energy upgrades, with loans from $2,000 to $15,000 and repayment terms of up to 10 years. Home Energy Saver discounts of up to $4,000 are also coming soon.
The Home Energy Saver loan by Brighte is funded by the NSW Government and delivered by Brighte. Eligibility criteria, credit assessment and program requirements apply.
The Home Energy Saver loan by Brighte is funded by the NSW Government and delivered by Brighte. Eligibility criteria and program requirements apply.
How much can I borrow through the Home Energy Saver loan by Brighte?
Eligible applicants can apply for a Home Energy Saver loan by Brighte from $2,000 up to $15,000 to help fund approved home energy upgrades.
The loan has 0% interest and repayment terms of up to 10 years, helping spread the cost of eligible improvements over a manageable period.
The amount you can borrow will depend on your individual circumstances, the cost of your eligible upgrades and Brighte’s lending and credit assessment. Eligibility criteria and program requirements apply.
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Is the Home Energy Saver loan really 0% interest?
Yes. The Home Energy Saver loan by Brighte has a 0% interest rate for the life of the loan, with repayment terms of up to 10 years.
There are no establishment fees, account-keeping fees or introducer fees for the loan. However, other charges, such as a late payment fee, may apply in certain circumstances.
The loan is subject to eligibility criteria, Brighte’s credit assessment and program requirements.
Who is eligible for the Home Energy Saver loan?
To be eligible for the Home Energy Saver loan by Brighte, you generally need to own a residential property in NSW, either as an owner-occupier or landlord, and have a combined household taxable income of no more than $210,000 per year.
Applicants must also be an Australian citizen or permanent resident, and the property cannot be social housing or used for short-stay accommodation.
All applications are subject to Brighte’s eligibility requirements and credit assessment, as well as the NSW Home Energy Saver program requirements.
What home energy upgrades can the loan be used for?
The Home Energy Saver loan by Brighte can be used to help finance eligible and approved home energy upgrades under the NSW Home Energy Saver program.
Depending on current program and product requirements, eligible upgrades can include rooftop solar, home battery storage, reverse-cycle air conditioning, heat-pump or solar hot water systems, EV chargers, induction cooktops, DC ceiling fans, switchboard upgrades, insulation, draught proofing and double glazing.
DNR can help you identify which of the upgrades we install are suitable for your property and meet the applicable program requirements. Eligible products and installations are subject to the current Home Energy Saver program and finance requirements.
Can I use the loan for solar panels and a home battery?
Yes. Rooftop solar and eligible home battery systems are among the energy upgrades that may be financed through the NSW Home Energy Saver program, subject to current product and program requirements.
DNR can assess your home’s electricity usage, existing solar system and future energy needs to recommend an appropriately sized solar and/or battery system and provide a quote for the eligible installation.
If you’re considering a battery, there may also be other government incentives or rebates available separately. Eligibility for those incentives is different from eligibility for the Home Energy Saver loan, so DNR can help you understand which options may apply to your installation.
What are the Home Energy Saver discounts and when will they be available?
Yes. Eligible NSW landlords may apply for the Home Energy Saver loan by Brighte to finance approved energy upgrades to their residential investment property.
The applicant must own the property and meet the program’s eligibility requirements, including the applicable combined household taxable income limit of $210,000 per year, as well as Brighte’s credit assessment and lending requirements.
Properties used for short-stay accommodation or social housing are not eligible under the current loan requirements.
If you’re a landlord considering solar, battery storage, reverse-cycle air conditioning or another eligible upgrade, DNR can help assess the property and prepare an appropriate installation quote.
Can landlords use the Home Energy Saver loan?
Yes. Eligible NSW landlords may apply for the Home Energy Saver loan by Brighte to finance approved energy upgrades to their residential investment property.
The applicant must own the property and meet the program’s eligibility requirements, including the applicable combined household taxable income limit of $210,000 per year, as well as Brighte’s credit assessment and lending requirements.
Properties used for short-stay accommodation or social housing are not eligible under the current loan requirements.
If you’re a landlord considering solar, battery storage, reverse-cycle air conditioning or another eligible upgrade, DNR can help assess the property and prepare an appropriate installation quote.
Can DNR help with the application and installation process?
Yes. As an approved installer for the Home Energy Saver loan by Brighte, DNR can help you identify suitable energy upgrades, assess your property and prepare a quote for the proposed installation.
Once you’ve chosen your upgrade, your finance application is completed through Brighte, who will assess your eligibility and application. DNR can then coordinate the installation of the approved system or equipment once the necessary approvals are in place.
This gives you one local team from initial advice and quoting through to installation and after-sales support, while Brighte manages the loan application and finance approval.
Finance approval is subject to Brighte’s eligibility, credit assessment and program requirements.
e Energy Saver discount and a loan for the same purchase, current program guidance recommends applying for the discount first.
Discount amounts, eligibility criteria, approved upgrades and availability are subject to NSW Home Energy Saver program requirements.
Can the Home Energy Saver loan be combined with other solar or battery incentives?
Potentially, yes. Depending on the upgrade and your circumstances, you may be able to access the Home Energy Saver loan alongside other available solar, battery or energy incentives.
For example, eligible battery installations may qualify for incentives under the Australian Government’s Cheaper Home Batteries Program, while other NSW energy incentives may also apply to particular technologies or installations.
Each incentive has its own eligibility criteria, technical requirements and application process, so qualifying for the Home Energy Saver loan does not automatically mean you will qualify for another rebate or incentive.
DNR can help identify the incentives that may apply to your proposed installation and structure your quote accordingly, while final eligibility remains subject to the requirements of each relevant program.
Find out which Home Energy Saver options could work for you
Talk to the DNR team about your home, energy needs and the upgrades you’re considering. We’ll help you explore suitable options, prepare your quote and explain the next steps for applying for the Home Energy Saver loan by Brighte.
No obligation — just practical advice from a local team.
Home Energy Saver loan applications are subject to eligibility, Brighte’s credit assessment and program requirements. DNR Air Conditioning & Electrical Pty Ltd is an approved installer and is not the finance provider. The Home Energy Saver loan by Brighte is funded by the NSW Government and delivered by Brighte.