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Home Energy Saver · NSW · zero interest

Put solar, a battery or a heat pump on your home and pay no interest at all

The NSW Government funds a zero-interest loan of up to $15,000, repaid over up to 10 years, for approved home energy upgrades. Crown Solar is an accredited vendor, so we can start your application with the quote.

Zero interest — no upfront fee, no monthly fee, no early-repayment fee
Stacks on top of federal rebates, which come off the price first
Household income up to $210,000 — owner-occupiers and landlords both qualify

Check my eligibility → See the repayments

NSW EV Fleets kick-start · round closes 30 November 2026

The NSW Government will fund half your depot charger installation — while there is money left

EV Fleets kick-start funding covers 50% of eligible charging infrastructure costs, capped per port, and adds a per-vehicle incentive of $5,000 to $50,000 depending on class. Crown Solar designs, installs and commissions the charging side and prepares your evidence pack.

Any ABN holder running an existing NSW fleet of three or more vehicles
The vehicles do not have to be electric yet — that is the point of the program
Outcome from Government within 20 business days of application

Model my depot → See the funding tables

NSW home with rooftop solar and a wall-mounted home battery

Electric delivery vans charging at a NSW commercial depot

Solar, a battery and a switchboard upgrade are all eligible upgrades under the one loan.

Depot charging at a NSW commercial site. Funding is assessed per port — total eligible invoiced cost divided by the number of ports.

$0interest for the whole term

$15,000maximum loan, per property

10 yrsmaximum repayment term

$210khousehold income ceiling

50%of eligible install cost per port

$60kmax per DC port, heavy vehicles

$50kmax per vehicle, 15–23t

15vehicle and port cap, all rounds

Read this before you read anything else: it is a loan, not a giveaway. You repay every dollar you borrow. The value is the interest you don't pay — on $15,000 over 10 years a typical 8% green loan would cost you roughly $6,800 in interest. Here that number is zero. If a page tells you this is free money, stop reading that page.

Two supports, not one

There are two separate supports. Most pages only tell you about one.

Home Energy Saver has a loan half and a discount half. Different income tests, different providers, and a trap in the order you apply.

Open now

Zero-interest loan — up to $15,000

Up to $15,000 per property, repaid over one to ten years, zero interest with no upfront or monthly fees. Delivered by Brighte and Plenti. Crown Solar is accredited with Plenti.

Owner of the property — owner-occupier or landlord
Australian citizen or permanent resident
Combined annual taxable household income up to $210,000
Subject to the finance provider's credit assessment

Opening later in 2026

Discount — up to $4,000

This one you do not repay. Aimed at lower-income households and delivered by Creditex. Applications are not open yet.

Owner or a tenant named on the lease
Household income up to $80,000, or a Health Care, Low Income Health Care, Pensioner Concession or Veteran Gold Card
A minimum customer contribution applies — the discount guidelines will confirm it when applications open
One $4,000 discount per household

The order trap — this will cost you $4,000 if you get it wrong

If you take the loan first, you cannot apply the discount to that same purchase. To use the discount later you would have to buy a different product as a separate job. So if you think you might qualify for the discount — household income up to $80,000, or a concession card — the NSW Government's own advice is to wait and apply for the discount first, then use a loan to cover whatever the discount doesn't. We will tell you honestly if you look like a discount household, even though it means waiting and even though it costs us the near-term job.

Funds are nearly exhausted. NSW published $311,000 remaining out of the $9 million allocation as at 30 June 2026, and the round closes 30 November 2026. Confirm the current position on the NSW Government page before you build a business case around it — and do not order equipment before your funding deed is executed.

Who qualifies

Broader than most operators assume

You qualify if any one of these describes you.

An ABN holder with a NSW fleet

Three or more vehicles registered in NSW for non-private use. They do not have to be electric.

A NSW taxi operator

One or more licensed NSW taxis is enough on its own.

An individual truck operator

At least one truck registered in NSW.

And these conditions apply. Vehicles must have been operational for at least six months before you apply. You are expected to keep operating three or more vehicles for the next three to four years. Do not count the battery-electric vehicles you are applying for towards the three-vehicle threshold. Applications may be audited and Government may request evidence at any time. Successful applicants are published on NSW Grants Finder within 45 days of the funding deed being executed.

Step 1 of 2

Check your eligibility in five questions

No contact details needed to see your result. Nothing here is an approval — only the finance provider can approve a loan.

1. Do you own the property?

2. Australian citizen or permanent resident?

3. Combined annual taxable household income

4. Does anyone in the household hold a concession card?

5. What kind of property is it?

Eligible upgrades

Thirteen upgrades qualify — and you can bundle them

One loan can cover several upgrades in the same job. Solar plus a battery plus a heat pump is a single application, not three.

Residential battery

Pairs with new or existing solar. The federal battery rebate comes off first.

Heat pump hot water

Usually the fastest payback on the list for a household on electric storage.

Reverse cycle air con

Counts as an energy upgrade when it replaces gas or resistive heating.

Induction cooktop

Eligible where it replaces a gas cooktop.

Rooftop solar PVResidential batteryHeat pump water heaterSolar hot water (electric boosted)Reverse cycle air conditionerInduction cooktopEV Level 2 chargerSwitchboard upgradeCeiling insulationDouble glazingDraught proofingDC ceiling fansNatHERS assessment

The rebates come off first, then the loan covers the rest

This is the part installers gloss over. Under the program rules an approved supplier must apply every federal and NSW incentive you qualify for before the loan is disbursed. The loan only ever funds the remaining customer contribution. On a solar-and-battery job that usually means STCs and the federal Cheaper Home Batteries rebate are already in the price, and the loan covers what is left, up to $15,000.

If your remaining contribution is more than $15,000, the difference is yours to pay. Our quotes show that gap explicitly rather than leaving you to find it at settlement.

A switchboard upgrade is an eligible upgrade in its own right — useful, because a battery or a Level 2 charger often needs one.

Licensed electrician working in an outdoor switchboard

Step 2 of 2

What the repayments actually look like

Enter the price after rebates — that is the number the loan works from. Everything below is indicative and is not a quote or a credit approval.

Upgrade package

Price after all rebates — your customer contribution

Repayment term — 10 years

Current electricity bill, per quarter

The actual numbers

Two incentives: one per vehicle, one per charging port

You can claim both. Crown Solar's work is the charging side; the vehicle incentive is yours to claim on the vehicles you buy.

Table 1 — per-vehicle incentive by class

Vehicle class	Incentive per vehicle	Notes
Passenger vehicle or SUV	$5,000	RRP of $40,000 or more
Light commercial, under 2.5t GVM	$5,000	Small vans
Light commercial, 2.5–3.5t GVM	$8,000	Most delivery vans
Heavy commercial, 3.5–4.5t	$10,000	Light-rigid territory
Heavy commercial, 4.5–8t	$15,000
Heavy commercial, 8–15t	$25,000
Heavy commercial, 15–23t	$50,000	Highest rate in the program

Table 2 — charging incentive per port, at 50% of cost per port up to the cap

Charging strategy	Cars, SUVs & LCVs to 3.5t	Heavy vehicles above 3.5t
AC only	Up to $3,000 per port	Up to $5,000 (3.5–4.5t) or $6,000 (4.5–23t) per port
DC Tier 1 — 60 kW or less	50% up to $30,000 per port	50% up to $30,000 per port
DC Tier 2 — above 60 kW	Not available	50% up to $60,000 per port
AC and DC Tier 1 mixed	50% up to $18,000 per port	50% up to $18,000 per port
AC and DC Tier 2 mixed	Not available	50% up to $30,000 per port

How "cost per port" is worked out — and why it favours doing the switchboard once. Cost per port equals total eligible invoiced costs at the site divided by the total number of ports installed. That includes the switchboard, supply upgrade, trenching, civil works and the chargers themselves. So a site with one expensive port scores badly against the cap, while a site that spreads a big supply upgrade across six or eight ports can push each port's 50% share right up to the ceiling. Getting the port count right is a funding decision, not just an engineering one.

Table 3 — caps across all rounds combined

Cap	Limit
Vehicles	15 in total across all rounds
AC charging incentives	15 in total
DC Tier 1 — cars, SUVs, LCVs	4
DC Tier 1 — heavy vehicles	6
DC Tier 2 — heavy vehicles	4
All charging incentives combined	15

Depot model

Model your kick-start funding

Applies the published rates, the 50% rule and every cap. Indicative only — not an application, an assessment or a guarantee of funding.

Vehicles you plan to bring in

Passenger / SUV, RRP $40k+
$5,000 each

LCV under 2.5t
$5,000 each

LCV 2.5–3.5t
$8,000 each

HCV 3.5–4.5t
$10,000 each

HCV 4.5–8t
$15,000 each

HCV 8–15t
$25,000 each

HCV 15–23t
$50,000 each

Charging you plan to install

Charging strategy

Number of ports at the site

Total eligible installed cost — chargers, switchboard, supply upgrade, civil works

The process

Six steps, and we start the application for you

You cannot apply to Plenti directly for this loan. The application has to be initiated by an accredited vendor, which is the practical reason to get your quote from one.

Get quotes

From accredited vendors holding NETCC Approved Seller status. Get more than one — the program is designed around you comparing.

Choose your upgrade and accept the quote

Including the customer contribution, warranty period and any exclusions.

We send you the referral link

Pre-populated with the product and the total supply-and-install cost, so you are not retyping our quote into a bank form.

You apply to the finance provider

Proof of ownership, household income evidence including your Notice of Assessment for the last completed financial year, and a serviceability assessment.

Accept the loan agreement

The contract is between you and Plenti, not between you and Crown Solar. Read it properly.

We install, then repayments begin

The finance provider pays us on completion. Your repayments start on the agreed terms.

Why Crown Solar can offer this at all

Home Energy Saver loans can only be arranged by an accredited vendor. Accreditation requires NETCC Approved Seller status, a current NSW electrical contractor licence, Solar Accreditation Australia installers with a battery storage endorsement for battery work, CEC-listed equipment with a minimum 10-year warranty, and current public liability cover. Crown Solar holds these and is listed in Plenti's accredited vendor directory.

How the application runs

You lodge it. We make the charging scope fundable.

We are not the grant administrator and we do not assess your application. We are the licensed contractor that makes the charging scope fundable, buildable and auditable.

Confirm eligibility

Fleet size, registration state, six-month operating history.

Read the guidelines and the addendum

Both documents. The addendum carries the current round's changes, including the extended window.

Apply through the NSW EV fleets grants page

The application is yours to lodge. Crown Solar supplies the charging design, scope and costed quote that sits behind it.

Outcome within 20 business days

Then you execute a funding deed with Government.

Provide evidence

NSW registration certificates for the vehicles and tax invoices for the charging works.

Do not order equipment before the deed is executed

Payment is not guaranteed until the funding deed is signed. We will hold your charging works at a quoted, unexpired price rather than encourage you to commit capital against an application that has not been approved.

What Crown Solar brings to the charging side

Port count designed around the cap. Because the incentive is assessed on cost per port, the number and mix of ports changes what you can claim. We model the funded outcome alongside the engineering one.

Load management and supply strategy. Most depots can charge overnight without a supply upgrade if the ports are load-managed. Avoiding an upgrade is usually worth more than the incentive on it.

Evidence pack for the funding deed. Itemised tax invoices split by eligible and ineligible cost, port schedule, commissioning records and compliance certificates — assembled so an audit is a filing exercise.

The fine print

Questions we get asked, answered plainly

Questions fleet managers actually ask

Is this actually zero interest, or is there a fee hiding somewhere?

Plenti publishes the loan as zero interest with no upfront or monthly fees. Standard terms, conditions, fees and charges still apply and are set by the lender, not by us — read Plenti’s disclosure documents before you sign, and ask them directly about late-payment and early-repayment fees so you have it in writing.

Can I get the loan if I am a landlord?

Yes. Loan eligibility is based on owning the property, and both owner-occupiers and investors qualify. That is unusual for a program like this and it makes fitting solar to a rental genuinely worthwhile.

I rent. Can I use it?

Not the loan — that requires you to own the property. The discount half of the program is open to tenants named on the lease, with the landlord's permission for the installation. Applications for the discount are not open yet.

How much can I borrow, minimum and maximum?

Up to $15,000 per property, with repayment terms from one year up to ten years. A minimum loan amount applies — check the current loan guidelines or ask us and we will point you to the figure.

Can I use it on a strata apartment?

Yes, if you meet the criteria and no exclusions apply, but the owners corporation has to agree to the upgrade and getting that approval is your responsibility. Since 1 July 2025 an EV charging installation in NSW strata needs only a simple majority, which has made this far more achievable than it used to be.

Does it stack with the federal battery rebate and STCs?

Yes, and it has to. Approved suppliers are required to apply all applicable Commonwealth and NSW incentives to the upgrade before the loan is disbursed. The loan funds the remaining contribution only.

Can I get both the loan and the $4,000 discount?

On the same purchase, only if you apply for the discount first — and discount applications are not open yet. If you take the loan first you cannot apply the discount to that purchase. If you might be discount-eligible, tell us and we will advise you honestly about waiting.

Is there a deadline?

There is no closing date published for the loans at the moment. The discount half opens later in 2026. We do not run false-urgency countdowns on a government program — if a deadline appears, this page will say so.

What if my property needs work before installation?

The loan covers the eligible upgrade and its installation. Preparatory work that is not itself an eligible upgrade has to be quoted and paid for separately — though note a switchboard upgrade is on the eligible list, which covers the most common case.

Who assesses whether I get the loan?

Plenti, entirely. They review your income evidence and serviceability against their credit criteria. Crown Solar initiates the application and has no influence over the outcome.

Is it really 50% off EV chargers?

Not as a flat discount. The incentive is calculated as 50% of the cost per port, but every strategy has a cap. For AC-only charging on vans and cars that cap is $3,000 per port, which on a typical three-phase install is well under half. The 50% figure becomes the binding number on DC ports and on mixed AC and DC sites.

Do my vehicles have to be electric already?

No. The three-vehicle fleet threshold is met with any vehicles registered in NSW for non-private use, electric or not. Do not count the electric vehicles you are applying for towards it.

Is there money left?

NSW published $311,000 remaining out of the $9 million allocation as at 30 June 2026, and the round closes 30 November 2026. That figure is a point-in-time number and moves as applications are approved — confirm the current position on the NSW Government page before you build a business case around it.

Can I claim both the vehicle and the charging incentive?

Yes, both, subject to the caps — 15 vehicles and 15 charging incentives in total across all rounds, with tighter sub-caps on DC ports.

What counts as eligible installed cost?

The eligible invoiced costs of the charging installation at the site, divided by the number of ports to give cost per port. In practice that covers the chargers, switchboard and protection work, cabling, trenching and civil works, and commissioning. We itemise eligible and ineligible lines separately on the invoice so the split is not your problem to argue.

How long does approval take?

Government advises an outcome within 20 business days of application, after which you execute a funding deed. Payment is not guaranteed until the deed is signed.

Will my business be named publicly?

Yes. Successful applicants are disclosed on NSW Grants Finder within 45 days of the funding deed being executed.

Do I need a supply upgrade?

Often not. Overnight depot charging with dynamic load management can usually fit inside an existing connection. We assess your maximum demand first, because avoiding an upgrade is typically worth more than the incentive available on it.

Can I combine this with rooftop solar?

Yes, and it is a better outcome on most depots where vehicles are on site during the day. The solar side is not funded by kick-start, but the electrical design should be done once, for both.

Who lodges the application?

You do, through the NSW EV fleets grants page. Crown Solar provides the charging design, scope of works and costed quote that supports it, and the evidence pack afterwards.

Get a quote

Get two things from us: a fixed-price quote and an honest read on your eligibility

We will tell you which of the two supports fits you, what your contribution is likely to be after rebates, and whether you should wait for the discount instead. If the answer is that you should wait, we will say so.

Site assessment before the price is fixed — not an estimate over the phone
Rebates applied before the loan amount is worked out
Your contribution above $15,000, if any, shown explicitly
We initiate the Plenti application; the credit decision is theirs

Book a depot review

A costed charging scope you can attach to the application

We assess your site's maximum demand, model the port count against the funding cap, and give you a fixed-price charging scope. If the funding pool has run dry by the time we speak, we will tell you that first and price the works on their own merits.

Maximum demand and supply capacity assessed before any design
Port count and mix modelled against the per-port cap
Fixed-price scope with eligible and ineligible costs separated
Evidence pack prepared for the funding deed

Official sourceNSW Home Energy Saver Program rulesLoan guidelines (PDF) Finance providerHome Energy Saver loans by Plenti Check usPlenti accredited vendor directory

Official sourceEV Fleets kick-start funding ProgramNSW electric vehicle fleets DisclosureNSW Grants Finder Verify usNSW licence 378172C

Home Energy Saver loans are funded by the NSW Government and delivered by Brighte and Plenti. Eligibility criteria, approved upgrade requirements, credit assessment and lending criteria apply. Credit is provided by Plenti Finance Pty Limited ABN 82 636 759 861, Australian credit licence 569622. Nothing on this page is an offer, quote or approval of finance. Figures shown by the calculators are indicative estimates for comparison only and are not a quote. Program terms are those published by NSW Climate and Energy Action and prevail over anything stated here.

The EV Fleets kick-start is a NSW Government program administered by NSW Climate and Energy Action. Crown Solar is not the program administrator and does not assess applications. Eligibility criteria, caps, guidelines and the round addendum apply and prevail over anything stated here. Funding is not guaranteed and is subject to available funds and execution of a funding deed. Figures shown by the calculator are indicative estimates for comparison only and are not a quote, an application or an assessment. Remaining-funds figures change without notice — confirm the current position on the NSW Government page.