Energy-Efficient Home Loans
Make your home more comfortable and slash your energy bills. Finance heat pumps, insulation, double glazing, and other energy-efficient upgrades with affordable monthly repayments. Your upgrades often pay for themselves through lower energy costs.
Upgrades that pay for themselves through energy savings
Finance Your Home Energy Upgrades
Australian homes are often poorly insulated and inefficient. We heat and cool houses that leak energy like sieves, paying high power bills for uncomfortable results. But it doesn't have to be this way.
Energy-efficient upgrades can dramatically reduce your power bills while making your home more comfortable year-round. Heat pumps, insulation, double glazing, and efficient hot water systems are investments that pay ongoing dividends. And with finance, you can make these improvements now and pay over time - often with savings that exceed the repayments.
Why Upgrade Your Home?
The benefits of energy-efficient home improvements
Lower Energy Bills
Energy-efficient upgrades reduce your ongoing power costs. Heat pumps use 75% less energy than traditional heating.
Increase Home Value
Homes with better energy ratings sell for more. A one-star improvement in NatHERS rating can add 5-10% to value.
Year-Round Comfort
Better insulation and efficient heating/cooling means consistent temperatures - cooler in summer, warmer in winter.
Government Incentives
Various state programs offer rebates and interest-free loans for energy upgrades. We can point you to available programs.
Energy Upgrades We Finance
Costs and potential savings for common upgrades
Heat Pump Systems
Efficient heating and cooling. Uses 75% less energy than resistive heating.
Hot Water Heat Pump
Replace your old electric or gas hot water with efficient heat pump technology.
Ceiling Insulation
Up to 40% of heat loss is through the ceiling. Proper insulation fixes this.
Wall Insulation
Retrofit wall insulation for significant comfort and efficiency improvements.
Double Glazing
Reduce heat loss through windows by up to 50%. Also reduces noise.
Draft Sealing
Simple but effective. Seal gaps around doors, windows, and floors.
*Prices and savings are approximate and vary by home size, location, and existing conditions. Get quotes from qualified installers for accurate pricing.
Finance Options
Different ways to finance your energy upgrades
Green Personal Loan
Unsecured personal loan for home energy upgrades. Fast approval without using your home as security.
- No home equity required
- Fixed interest rates
- Terms from 2-7 years
- Combine multiple upgrades
Best for: Smaller upgrades or homeowners who want to keep their mortgage separate
Renovation Loan
Finance larger energy upgrade projects. Can be secured against your property for better rates on bigger amounts.
- Higher loan amounts
- Lower interest rates
- Longer terms available
- Progressive drawdowns
Best for: Comprehensive home energy retrofits combining multiple upgrades
State Government Programs
Many states offer interest-free loans or rebates for energy upgrades. We can help you understand what is available.
- Interest-free options
- Rebates available
- Varies by state
- Income limits may apply
Best for: Those who qualify for government programs (check eligibility)
How It Works
Four simple steps to a more efficient home
Plan Your Upgrades
Decide which energy upgrades will make the biggest difference. Get quotes from qualified installers.
Apply for Finance
Tell us about your planned upgrades and we will compare finance options from multiple lenders.
Get Approved
Most applications receive a response within 24 hours. Once approved, your installer can schedule the work.
Enjoy Lower Bills
Once upgrades are complete, start enjoying lower energy bills and improved comfort year-round.
Checking your options won't affect your credit score
Complete Home Energy Package
The biggest savings come from combining upgrades. Insulation plus heat pump plus solar creates a highly efficient home with minimal energy costs. We can finance complete packages in one application.
Energy Upgrade FAQs
Common questions about financing home energy improvements
Generally, heat pump hot water systems and ceiling insulation offer the best ROI. Heat pumps typically pay for themselves in 3-5 years. Ceiling insulation is relatively cheap and can cut heating/cooling costs by 20-40%. The best upgrades for your home depend on its current condition.
Yes, and this often makes sense. Combining insulation, draft...
Yes, and this often makes sense. Combining insulation, draft sealing, and an efficient heating system in one project maximises the benefits and means only one application process and one monthly payment.
This varies by state. Victoria has the Victorian Energy Upgr...
This varies by state. Victoria has the Victorian Energy Upgrades program. NSW has energy efficiency programs through Service NSW. Queensland has Climate Smart Home Service. We can point you to current programs in your state.
Adding to your mortgage spreads costs over longer and may of...
Adding to your mortgage spreads costs over longer and may offer lower rates, but you will pay more interest over time. A separate green loan keeps the upgrade debt separate and typically has a shorter term. We can help you compare both options.
Yes. Studies show homes with higher energy ratings sell fast...
Yes. Studies show homes with higher energy ratings sell faster and for more. A one-star improvement in NatHERS rating can add 5-10% to property value. Energy-efficient homes are increasingly attractive to buyers concerned about running costs.
Yes. Energy upgrades on investment properties can be finance...
Yes. Energy upgrades on investment properties can be financed, and the costs may be tax-deductible. Upgrades can also allow you to increase rent while providing tenants with lower energy bills.
For most finance options, you can choose any qualified insta...
For most finance options, you can choose any qualified installer. Some government programs may require accredited installers. We recommend getting quotes from multiple installers and checking reviews before committing.
Solar pairs perfectly with energy-efficient upgrades. A home...
Solar pairs perfectly with energy-efficient upgrades. A home that needs less energy to heat and cool can be powered more completely by solar. We can finance solar and energy upgrades together in one package.
Still have questions? Contact our friendly team