Home Energy Saver is a NSW Government program that helps eligible households pay for energy-saving upgrades, including rooftop solar and home batteries. As at November 2026, zero-interest loans of up to $15,000 are open to eligible owners, and discounts of up to $4,000 for eligible lower-income households are listed as coming soon. It’s a loan and discount program, not a cash rebate.
Loans (open, with no current closing date)
- Who can apply: owners of the property, including landlords, who are Australian citizens or permanent residents. Loans aren’t available to renters.
- Income test: from 9 am on 10 November 2026, new applications are assessed against a combined taxable household income of up to $150,000 a year. Applications submitted before then are assessed against the previous $210,000 threshold.
- Amount and term: up to $15,000 in total for the property, repayable over up to 10 years. A loan can cover more than one product, as long as the total doesn’t exceed $15,000 for the property.
- Who decides: your chosen finance provider decides eligibility. It will ask for evidence of household income, including your Notice of Tax Assessment for the previous completed financial year.
- Combining incentives: for rooftop solar and home batteries, the loan can be combined with the federal Small-scale Renewable Energy Scheme (the STC discount, which also delivers the Cheaper Home Batteries Program discount) for complete systems only. It can’t be combined with NSW Government Energy Security Safeguard incentives. The NSW VPP incentive sits under the Peak Demand Reduction Scheme, which is part of the Energy Security Safeguard, so a loan used for a battery can’t be combined with the VPP incentive.
Discounts (coming soon, not yet open)
- Up to $4,000 for homeowners and renters with a combined household income of up to $80,000, or an eligible concession card. You contribute at least $200 towards the upgrade.
- If you’re eligible for both a discount and a loan on the same purchase, the NSW Government recommends waiting and applying for the discount first. Until discount applications open, taking a loan first means you can’t apply a discount to that same purchase, although a discount can go towards a separate product. NSW says it will update this advice once discount applications open.
No longer eligible for a loan? The NSW Government points households to the Australian Government’s Household Energy Upgrade Fund, which it describes as offering discounted interest rates for home energy upgrades.
Not everyone receives the maximum amount. Check the current details on the NSW Government’s Energy website, or ask our team when you request a quote.
Want advice for your home or business? Call 1300 732 679 or request a quote and our team will be in touch.
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