A 0% interest loan of up to $15,000 for a more comfortable, energy-efficient home
The NSW Government is helping eligible households upgrade to efficient reverse-cycle air conditioning and other energy-saving improvements, with no interest and no upfront or ongoing fees, repaid over up to 10 years. We can now arrange it for you through Brighte. Get an obligation-free quote and we'll sort the rest.
No obligation. Getting a quote is free. The loan is provided by Brighte and subject to approval.
A NSW Government initiative, delivered by Brighte
The 0% Home Energy Saver loan is funded by the NSW Government. Ample Air arranges it for you through Brighte.
What the Home Energy Saver loan is
It's a NSW Government program that lets eligible households borrow up to $15,000 at 0% interest to install approved energy-saving upgrades, including efficient reverse-cycle air conditioning.
What it does is spread the cost out, interest-free, so you can get the comfortable, efficient system you actually want without the big upfront hit. We'll lay out the full cost, with the loan applied, in a clear quote.
A loan spreads the cost. Rebates and cash-backs reduce it.
It isn't the only help on offer, though. NSW Government incentives and manufacturer cash-backs can bring the upfront price down too, and you may be able to use them alongside the loan. See what your home could qualify for.
Government incentives & cash-backsHow the 0% loan works with Brighte
Brighte specialises in finance for home energy upgrades and provides 0% loans under the program. We handle the quote and the install; Brighte handles the finance. It's quick, online and paperwork-light.
Get your quote from us
We size the right system for your home and give you a clear, obligation-free quote with the 0% loan applied. No surprises.
Apply online with Brighte
It's quick. Brighte can verify your income securely through the Australian Government's Consumer Data Right system, usually within a few minutes, or you can upload documents instead.
We install, you repay at 0%
Once the job's done and you're happy, Brighte pays us and you repay Brighte over up to 10 years. No interest, no upfront or ongoing fees.
Spreading the cost at 0% is the time to do it properly
Efficient reverse-cycle air conditioning and heat pump hot water are both on the program's approved-upgrade list, and they're exactly what we do. Because you're paying it off interest-free, it's a great time to choose the system that'll keep you comfortable and keep running costs down for years. Here's where to start.
Efficient reverse-cycle AC
On the program's approved list, whether that's a single split system or whole-home ducted. We'll size it right for your place.
Explore ductedAdd smart zoning with MyPlace IQ
Zone every room and only heat or cool the ones you're using, up to 46% less on ducted running costs. The smart way to run a ducted system.
Discover MyPlace IQEfficient heat pump hot water
Also on the approved upgrade list. A high-efficiency way to cut one of the biggest energy users in the home.
About heat pumpsDo it as a package and make the most of your $15,000
Your loan can go toward more than one approved upgrade. A smart move is to pair an efficient reverse-cycle system with heat pump hot water and do it all in one go, interest-free, so you tackle two of your home's biggest energy users at once instead of facing a second project later. We'll work out the right package for your home.
Who can use it
- You own a home in NSW, as an owner-occupier or a landlord.
- Your household's combined taxable income is up to $210,000 a year.
- You're an Australian citizen or permanent resident.
- The property isn't social housing or used for short-stay accommodation.
- Loans are subject to Brighte's approval and credit assessment.
On a lower income or a concession card?
If your household income is up to $80,000, or you hold a concession card such as a Pensioner Concession Card or Health Care Card, you may also qualify for an extra discount of up to $4,000 that the NSW Government is introducing later in 2026. Ask us about it and we'll keep you posted when it opens.
Back the local team that'll still be here
When a government scheme opens up, all sorts of operators appear overnight. Ample Air has been the local name in heating and cooling since 1982, and we'll be here long after the program closes to look after what we install.
Local since 1982
A family business serving Greater Penrith and the lower Blue Mountains for over 40 years.
Licensed & experienced
Qualified installers who do the job properly the first time.
Honest advice
The right system for your home, not the dearest one on the shelf.
End to end
We handle the whole upgrade, from quote to Brighte finance to install.
Get an obligation-free quote
Pop your details in and we'll get you a clear quote with the 0% loan applied, then walk you through the easy Brighte application. Prefer to talk it through? Call (02) 4760 0100.
Frequently asked
Is this a rebate or free money?
No. It's a 0% interest loan. You repay what you borrow, just with no interest and no upfront or ongoing fees, over up to 10 years. It doesn't reduce the price of the job, it spreads the cost.
Can I use it to go ducted, or add smart zoning?
The program is built around efficient reverse-cycle air conditioning, and that includes ducted systems. Smart zoning like MyPlace IQ is a great pairing for a ducted system so you only condition the rooms you're using, though it isn't itself a funded item. We'll be clear about what the program covers and what's an optional add-on when we quote.
Can I do more than one upgrade with the loan?
Yes. The loan can go toward more than one approved upgrade, up to $15,000 in total. A popular combination is an efficient reverse-cycle system plus heat pump hot water, done together in one go so you make the most of the one interest-free loan. We'll confirm what qualifies and put together the right package for your home.
What will it cost me?
The cost of the system and install, the same as any job, just financed at 0% over up to 10 years instead of paid upfront. We'll give you a clear quote.
Who provides the loan, and how does it work?
The loan is funded by the NSW Government and provided by Brighte, one of the program's appointed finance providers, which specialises in home energy upgrades. You apply online and Brighte can verify your income securely through the Australian Government's Consumer Data Right system, usually within a few minutes. Once we've finished the install and you're happy, Brighte pays us and you repay Brighte over up to 10 years at 0% interest with no upfront or ongoing fees. We'll guide you through every step.
Can renters use it?
The loan itself is for owners and landlords. If you rent, there's a separate discount the NSW Government is bringing in later in 2026 that your landlord's permission can unlock. Get in touch and we'll let you know when it opens.
When can you start?
Now. We can arrange the 0% loan through Brighte today. Get an obligation-free quote and we'll line up your finance and book the install.
Ready for a more comfortable, efficient home?
Get your obligation-free quote today and we'll arrange your 0% NSW Home Energy Saver loan through Brighte. No interest, no upfront or ongoing fees, and up to 10 years to repay.
The Home Energy Saver program is a NSW Government initiative. Loans are funded by the NSW Government and provided by Brighte, an appointed finance provider for the program. Eligibility criteria and approved-upgrade requirements apply, and all loans are subject to Brighte's credit assessment and approval. The loan has no establishment or account-keeping fees; a small late-payment fee may apply if you miss a repayment. Requesting a quote from Ample Air is free, is not an application for finance, and does not guarantee loan approval. Where you choose it, income can be verified through the Australian Government's Consumer Data Right system via Brighte's accredited providers, with your consent. Savings figures are from NSW Government modelling published by the Energy Security Corporation (June 2026); actual savings depend on the home and energy use and are not guaranteed. For full program details, visit energy.nsw.gov.au/home-energy-saver.