Sustainable Household Scheme

Full scheme available now. The scheme will run until 2026, unless extended.

You might be able to get a loan to improve your home's energy efficiency. Reduce your environmental impact with solar panels, batteries and other products. Eligible home owners can borrow up to $15,000. You have 10 years to repay it. There's zero interest, and no upfront costs or fees.

About the program

This scheme provides zero-interest loans to help with the costs of energy-efficient upgrades.

Brighte is our partner and loan provider for the scheme.

If you're eligible, you can get a loan from $2,000 to $15,000. You can repay the loan over 10 years.

The scheme is open to new applications for 5 years.

Apply now

How it works

If you're eligible, you can get a loan from $2,000 to $15,000 to buy energy-efficient products. These include:

  • rooftop solar panels
  • household battery storage systems
  • electric heating and cooling systems
  • hot water heat pumps (HWHP)
  • electric stove tops
  • electric vehicles (available in a future phase of the scheme)
  • electric vehicle charging infrastructure
  • installation costs for these products.

Over the life of the scheme, you can install one product or a bundle of products from the list of eligible products. Together, these can be valued at up to $15,000.

You may borrow more than $15,000 depending on your loan application credit check. The loan provider may charge interest on funds borrowed above the limit.

Your repayments will begin when you either:

  • install the product or system and it is operational
  • buy the electric vehicle.

You can apply for a loan under this scheme and a subsidy under another program, such as the Next Gen Energy Storage Program.

Buyers Guides

Who can take part

It's open to residents of the ACT who either own a home or hold a current driving licence (when applying for a loan for an electric vehicle).

You must meet the scheme's eligibility criteria and Brighte's lending criteria. This includes attending a free one hour live online Actsmart workshop. These workshops will help you with your energy efficiency choices.

To check if you're eligible, read:

The scheme will be open to eligible community groups soon so watch this space.

Cost

No establishment fees or account-keeping costs.

You can repay the loan early with no penalty fee. But if you fall behind in your loan repayments, the loan provider may charge a fee.

You must meet standard credit criteria for the loan. This includes a good credit history and the ability to repay the loan without hardship.

If you can't repay the loan, the loan provider will have hardship support to help you.

The loan provider must follow the responsible lending practices in the National Consumer Protection Credit Act 2009.

Why it's important

The ACT is committed to net zero emissions by 2045. You can help us get there by installing and using energy efficient products. These loans will make it easier to switch to products that are better for the environment.

Contact us

Sustainable Household Scheme
Email actsmart@act.gov.au
Phone 13 22 81

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