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Home -Solarvia is an approved installer under the NSW Government’s
Eligible NSW households may apply for a loan of up to $15,000 at 0% interest, with no fees on the loan and flexible repayments, to pay for approved home energy upgrades. The loan is funded by the NSW Government and delivered by Brighte. Solarvia designs and installs the upgrade, and prepares and lodges your loan application for you.
Solarvia is an approved installer under the NSW Government's Home Energy Saver loan program.
Eligibility is assessed and approved by Brighte, not by Solarvia.
A Home Energy Saver loan is money you borrow and repay in full — there is no interest and no fee on the loan, so you repay exactly what you borrowed and nothing more. Every term below is set by Brighte, not by Solarvia, and reflects Brighte's published program information current as at 17 June 2026.
| Loan amount | $2,000 to $15,000. If your project costs more than the approved amount, you pay the difference. |
|---|---|
| Interest rate | 0% p.a. Comparison rate 0.00% p.a.† |
| Repayment term | Up to 10 years, subject to approval. A shorter term means larger repayments and a longer term means smaller ones — the total you repay is the same either way, because there is no interest. |
| Fees on the loan | $0 establishment fee. $0 account keeping fee. A $4.99 late payment fee may apply if you miss a repayment, capped at $49.90 a year. |
| Paying it off early | Allowed at any time, with no early repayment fee. |
| Who receives the money | You never handle the funds. Brighte pays the installer directly, and only after you have confirmed the work is complete. |
| Deposit | No upfront cost on finance. Deposit may apply — your Solarvia quote states clearly whether one is payable, and a deposit is separate from the loan. |
| Multiple upgrades | Approved upgrades can be bundled into a single loan, up to the $15,000 limit. |
| Who assesses it | Assessment and approval are handled entirely by Brighte under Australian Credit Licence 508217, against Brighte's own criteria. |
Repayments depend on the amount you borrow and the term you choose. Brighte publishes a repayment calculator on its website, and your loan contract sets the final figures. Solarvia does not quote repayment amounts.
Approved energy-saving upgrades, installed by an accredited installer. All products must meet the program's requirements.
Rooftop panels and inverter, sized to your usage and roof rather than to a fixed package.
Installed by SolarviaStores excess generation for later use. Backup during an outage depends on the product and how it is configured.
Installed by SolarviaBoth upgrades bundled into one application, within the $15,000 limit.
Installed by SolarviaHome charging point, subject to your switchboard capacity and the charger meeting program requirements.
Installed by SolarviaOther categories — including double glazing, efficient electric cooktops and insulation — sit at various stages of availability under the program, and the eligible list changes. The NSW Government publishes the current list at energy.nsw.gov.au/home-energy-saver. Ask us and we will confirm what is eligible before you plan a project.
Brighte sets and assesses the criteria. This summary is a starting point only — meeting these points does not mean you will be approved.
Eligibility criteria and approved upgrade requirements apply, and the rules can change. Brighte publishes the complete and current criteria at brighte.com.au/nsw. Call us on 1300 728 212 and we will walk you through the current requirements before you commit to anything.
The NSW Government has said Home Energy Saver will expand to include discounts on energy-saving upgrades for households earning up to $80,000 a year, or where someone in the home holds an eligible concession card. If you want both a discount and a loan, the program requires you to apply for the discount first. Details and timing are set by the program and published at energy.nsw.gov.au/home-energy-saver.
We handle the paperwork. You do not have to work out the application on your own — but the loan is in your name, so there are a few steps only you can complete, and the decision is always Brighte's.
We review your bills, roof, switchboard and usage pattern, then design a system for your property and give you a written quote with equipment models, inclusions and timings.
Using your quote, we prepare your Home Energy Saver loan application and lodge it through Brighte's vendor system. You complete your own identity and consent steps, because the loan is in your name. Brighte then assesses it and tells you the outcome directly. We cannot approve it or influence the decision.
Once finance is approved and any network or metering approvals are in place, we schedule the installation and commission the system with you.
You confirm the job is complete, Brighte pays Solarvia directly, and you repay Brighte over your chosen term. Warranty and service requests come back to us.
Brighte is one of the finance providers appointed to deliver Home Energy Saver loans, and holds Australian Credit Licence 508217. Brighte sets the eligibility rules, assesses your application, decides approvals, manages your repayments and pays the installer.
Solarvia assesses your site and usage, designs the system, quotes it, prepares and lodges your loan application, then installs and supports the system. We do not assess applications, give financial advice, or influence Brighte's decision. Whether the loan suits your circumstances is your decision — for advice on that, speak to an independent financial adviser.
Every installer participating in the program must hold current NETCC (New Energy Tech Consumer Code) accreditation — a nationally recognised consumer protection standard covering sales conduct, quoting, installation quality, warranty support and complaints handling. See Solarvia's credentials.
A loan. You borrow the money and repay it in full over your chosen term, at 0% interest with no fees on the loan. Nothing is written off, and it is not a grant. The federal battery rebate is a different program with its own rules — see our Cheaper Home Batteries Program page.
We prepare and lodge it for you using your quote. You still complete your own identity checks and consents, because the loan is in your name and only you can authorise it. Brighte communicates the outcome to you directly.
No. We can lodge a complete, accurate application, which is the part we control. Approval is entirely Brighte's decision, based on its own eligibility criteria and credit assessment. We cannot predict, influence or guarantee an outcome, and a Solarvia quote is not an indication of approval.
No. The loan is available through any installer accredited for the program, and you are free to compare quotes.
Yes. Approved upgrades can be bundled into a single loan of up to $15,000. If the project costs more, you pay the difference.
No upfront cost on finance. Deposit may apply. The phrase refers to the loan itself, not to the goods or to any deposit — your quote will state clearly whether a deposit is payable.
A $4.99 late payment fee may apply, capped at $49.90 a year. Repayments are managed by Brighte, so contact Brighte directly if you are having difficulty — it has a financial hardship process.
Yes, at any time, with no early repayment fee. You only ever repay what you borrowed.
A well-sized system can lower your energy bills, but by how much depends on your usage, tariff, site and the system installed. We will not quote a percentage or a payback period before assessing your property, and any estimate we give will show its assumptions.
Start with a quote. We will design the system, confirm which upgrades are currently eligible, and prepare your loan application from there.
Home Energy Saver loans are funded by the NSW Government and delivered by Brighte. All applications are subject to Brighte's credit approval criteria. Late payment fees, Terms and Conditions apply. Australian Credit Licence Number 508217.
Estimated savings are indicative only and vary depending on household circumstances, energy use and installation.
No upfront cost on finance. Deposit may apply.
† Comparison rate calculated on an unsecured loan amount of $30,000 over a term of 5 years based on fortnightly repayments. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Solarvia does not provide financial product advice and does not assess or approve finance applications. Lodging an application does not mean it will be approved. Program rules, eligibility criteria, eligible upgrades and loan terms are set by the program and by Brighte, and may change without notice. Loan information on this page reflects Brighte's published program information current as at 17 June 2026.
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