Upgrade now. Pay as you save.
Smart financing for home energy upgrades, so you can start improving your home today without waiting to save the full amount upfront.
Available finance options
Finance Options
Fund your upgrades.
EnBright works with lending partners to offer financing for home energy upgrades, with rates and terms that reflect the long-term value you're creating.
Green Home Loan
Access a preferential interest rate by securing your upgrade finance against your home. Higher post-upgrade star ratings get lower rates, because a more efficient home is better security.
Upgrade Personal Finance
Unsecured personal finance for home energy upgrades. Fast approval, no property security required. A good fit for Stage 1 upgrades or homeowners who don't want to refinance.
Government Rebates
EnBright identifies all eligible federal and state government rebates for your planned upgrades, and helps you through the application process so you don't miss out.
How It Works
From upgrade plan to funded in days.
The financing process is built into EnBright's platform, so you're not starting from scratch when you're ready to act.
Complete your NatHERS assessment
Your assessment report establishes your current star rating, planned upgrades, and projected savings. Lenders use this as the foundation for assessing your application.
Review your upgrade plan and cost estimates
Your EnBright upgrade plan includes itemised cost estimates for each stage, which form the basis of your finance application. No separate quotes required.
Select your finance option
Compare financing options from EnBright's lender panel matched to your upgrade scope, loan size and preferred repayment term.
Receive approval
Most unsecured applications receive a decision within 24–48 hours. Secured green home loans typically take 5–10 business days. Fully digital with minimal paperwork.
Upgrades begin
Funds are released directly to your approved contractors. Your energy bills start dropping from the moment Stage 1 is complete, often within weeks of approval.
Government Rebates
Don't leave money on the table.
State and federal governments offer a range of rebates for home energy upgrades. EnBright maps these against your plan automatically, so you know what you're entitled to before you commit.
Victoria
Victorian Energy Upgrades (VEU)
Rebates on insulation, hot water, heating and cooling upgrades for Victorian households, available through accredited providers.
NSW
Energy Savings Scheme (ESS)
Certificate-based scheme providing incentives for energy efficiency improvements in NSW homes and businesses.
Queensland
Home Energy Emergency Assistance
Support for eligible Queensland households with energy upgrade costs, particularly for heating and cooling.
South Australia
Home Battery Scheme
Subsidised battery storage for SA homes with existing or new solar systems, combined with federal SRES for solar.
Federal
Small-scale Renewable Energy Scheme
Federal scheme providing small-scale technology certificates (STCs) for solar, heat pump hot water and other eligible installations.
All States
Your plan identifies all eligible programs
Rebate availability changes regularly. Your EnBright assessment report and upgrade plan will include current eligibility information for your state and upgrade type.
Want help choosing the right finance?
Our finance specialists can walk you through the options, explain how to stack rebates with loans, and match you to the right product for your upgrade plan and budget.
Common Questions
What homeowners ask us.
Do I need my assessment done before applying for finance?
For a Green Home Loan, yes. Your NatHERS assessment report is part of the application. For unsecured Upgrade Personal Finance, you can begin with a quote from an EnBright professional, though having your assessment done may improve your terms.
Can I combine a loan with government rebates?
Yes. Rebates can reduce the loan amount, reduce your upfront deposit, or reduce your out-of-pocket cost. Your EnBright plan identifies all eligible rebates and advises on how to stack them with your chosen finance option.
Will the upgrades save me enough to cover repayments?
For most Stage 1 upgrades like insulation and draught sealing, the annual energy savings are typically greater than annual loan repayments from day one. Your upgrade plan includes a savings versus repayments comparison for each stage.
Can I finance upgrades in stages separately?
Yes. You can finance each stage separately, which is often the recommended approach. Completing Stage 1, then using some of the savings to fund Stage 2 repayments, creates a self-funding upgrade program over time.
Ready to fund your upgrades?
Start with a NatHERS assessment, then explore your finance options through EnBright's lender panel.