SBCI Home Energy Upgrade Loan Scheme

The SBCI Home Energy Upgrade Loan Scheme aims to encourage residential energy efficiency upgrades, making finance more accessible and works out more affordable for homeowners. It offers a low-cost loan with a reduced interest rate.

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What is the Home Energy Upgrade Loan Scheme?

The scheme supports energy efficiency and renewable energy upgrades where works are also being grant-aided by the Sustainable Energy Authority of Ireland (SEAI). The Home Energy Upgrade Loan Scheme is established and offered by the Strategic Banking Corporation of Ireland (SBCI) and benefits from a guarantee that has been provided by the European Investment Fund (EIF) and European Investment Bank (EIB) and supported by the Department of Climate, Energy and the Environment (DCEE).

Low-cost loan

Unsecured reduced fixed interest rate loans from 3.75% APR.

Borrow on your terms

Loans from €5,000 - €75,000 per property and repay over terms from 1 to 10 years.

Home energy upgrades

Use at least 75% of the loan for energy efficiency purposes. Giving you a 20% improvement in your home's energy efficiency.

How to apply

To apply for the Home Energy Upgrade Loan Scheme, you must be availing of an SEAI home energy upgrade grant(s).

Choose a SEAI registered provider

Contact an SEAI Registered One Stop Shop or Community Project Co-ordinator to plan your home energy upgrade.

Home Energy Upgrade options

The provider will outline available energy upgrade options suitable for your home, provide you with a Home Energy Summary Report and apply for your SEAI home energy upgrade grant.

Apply for a low-cost loan

Apply online and include a copy of the Home Energy Summary Report signed by a One Stop Shop or Community Project Co-ordinator. It is not possible to submit an application without this report*.

Home energy upgrade loan repayments

I want to borrow

€ €

Repayment period

year

Repayments on a green loan of over would be

€ per month

Fixed interest rate from % APR

Total amount repayable €

Total cost of credit €

Ready to move on?

Our interest rates

Loans from	Fixed interest rate	APR
€5,000 - €9,999	7.00%	7.20%
€10,000 - €19,999	5.70%	5.90%
€20,000+	3.69%	3.75%

Handy representative example for you:
On a €20,000 loan over 5 years, at a fixed rate of 3.69% (Annual Percentage Rate (APR) 3.75%) you will pay €365.54 a month. The total cost of credit would be €1,932.35 and the total amount repayable would be €21,932.35.

Key details

Flexibility to spend up to 25% of the loan on non-energy related works (e.g. redecorating your home).
Each borrower can apply for up to 3 properties up to a maximum of €225,000 in total.
Loans available up to 31 December 2026 or until the scheme has been fully subscribed.
At this time, we will not be offering the loan in respect of properties that are currently being used, or have been used in the previous 12 months, or will be used in the next 12 months, for any rental or similar arrangement. Applicants may be eligible to apply to other lenders under the scheme in respect of such properties please refer to the SBCI website for further information.

Apply for a loan

More about the Home Energy Upgrade Loan Scheme

Be a natural person (meaning an individual, not a company) acting for his/her own benefit and not on behalf of someone else.
Be availing of a grant under a SEAI schemes for the purpose of funding (in part) the energy efficiency investment under the scheme.
Confirm ownership of an eligible property (see below) by providing a self-declaration and the Meter Point Reference Number (MPRN) for the property.
Be able to provide confirmations in the scheme documentation, including that you will undertake the energy efficiency investment under the scheme.
Not be a sanctioned person or in breach of certain restrictive measures.
Not be engaged in any illegal activities or illegal economic activities.
Not be tax resident in a non-compliant jurisdiction.
Not, to the best of your knowledge, be in an exclusion situation (including but not limited to being bankrupt, subject to insolvency proceedings, subject of a final judgment for fraud, corruption, participation in a criminal organisation, money laundering or terrorist financing, terrorist offences or human trafficking).

Be a residential property in the Republic of Ireland.
Not have been used in part for commercial purposes and in part for residential purposes at any time in previous 12 months.
Not have been subject to one or more short-term letting at any time in previous 12 months.
Not have been used as a holiday home at any time in previous 12 months.
The borrower must undertake not to use the property for such purposes outlined above for at least 12 months after they obtain finance.

For loans issued with the specific purpose of financing the construction of new buildings and major rehabilitation of existing buildings, the construction must comply with national energy standards (and certain additional requirements apply if loans are granted/issued with specific purpose of financing the heating and/or cooling of buildings).
Loans with a “bullet repayment profile” (entire amount to be repaid at maturity) or “balloon” repayment profile (30% or more to be repaid at maturity) are not eligible under the scheme.
The proceeds of a loan must be applied towards the financing of eligible investment costs of an energy efficiency investment in accordance with the terms and conditions of a SEAI Scheme, and the energy efficiency investment must be carried out by a SEAI Project Intermediary.
The loan must not be used to refinance an existing term loan debt, residential property renovation that has previously received other SEAI-funded grants for the same energy efficiency investment, and/or installation of any form of fossil fuel burners.
The energy performance of the property must improve by at least 20% when compared to the energy performance of the property before the energy efficiency investment commences.
The associated costs (if any) must make up a maximum of 30% of the eligible investment costs.
The loan must finance an energy efficiency investment carried out in compliance with minimum requirements with respect of environmental legislation and information access.
The proposed approved upgrade works costs, net of the proposed SEAI grant amount, must be at least 75% of the financing provided under the loan.
The actual upgrade works costs incurred under the loan, net of the actual SEAI grant amount, must be at least 70% of the financing provided under the loan.

Green Top Tips

Check out our top tips on how to improve your home energy efficiency, save on bills and help the environment.

Improve the comfort of your home by reducing heat loss and draughts.
Reduce air pollutants from entering your home by sealing it off better.
Reduce your heating bills by increasing energy efficiency and using renewable energy systems.
Use government grants while they are available to help pay for energy improvements to your home.
Reduce your greenhouse gas emissions by operating a more energy efficient home.

The Home Energy Summary Report is a one-page document confirming the details of the planned energy upgrade works.

To get a Home Energy Summary Report, you must contact a SEAI Registered One Stop Shop or Community Project Co-Ordinator to plan your upgrades and get a quotation. You will need a valid Building Energy Rating (BER) on your home so that the One Stop Shop or Community Project Co-ordinator can calculate the expected improvement in the BER (energy performance) and complete the Home Energy Summary Report. Check the BER register to see if there is a valid BER on your home.

The Home Energy Summary Report includes information on the property, such as the Meter Point Reference Number (MPRN) and the proposed upgrades, including the calculated uplift in energy performance and the total proposed costs of the project.

This report must be given in your application in order to apply for the Home Energy Upgrade Loan Scheme.

Loans are available for applicants who meet the eligibility criteria for the scheme and are investing in energy efficiency and renewable energy upgrades where those works are also being grant-aided by the Sustainable Energy Authority of Ireland (SEAI).

There is a two-step process to apply for a loan under the scheme:
STEP 1 – Contact a SEAI Registered One Stop Shop or Community Project Co-ordinator to plan your home energy upgrade. They will:

Advise on the options for energy upgrades that are suitable for your home,
Give guidance on what financial supports are available, including SEAI grants and the Home Energy Upgrade Loan Scheme, and
Provide a Home Energy Summary Report for qualifying energy upgrades. You will need this document to apply for the loan.

You will need a valid Building Energy Rating (BER) on your home. A One Stop Shop or Community Project Co-ordinator can tell you if your planned works are expected to improve the BER by a minimum of 20%, which is required for the loan. Check the BER register to see if there is a valid BER on your home. You must spend at least 75% of the loan amount on energy upgrades (the cost of the energy upgrades under qualifying SEAI grant schemes, net of the SEAI grant amount).

STEP 2 – Apply for a low-cost loan with An Post Money
You will need a Home Energy Summary Report signed by a One Stop Shop or Community Project Co-ordinator to apply, as it confirms the details of your planned energy upgrade works and the expected SEAI grants.

Please note: completion of the Home Energy Summary Report and approval for a SEAI grant does not oblige An Post Money to provide a loan. Lending criteria, terms and conditions apply.

We will review your loan application once we have received all the required information needed. Completion of the Home Energy Summary Report and approval for a SEAI grant does not oblige An Post Money to provide a loan. Lending criteria, terms and conditions apply.

The Sustainable Energy Authority of Ireland (SEAI) will confirm the home energy upgrade works supported by the Home Energy Upgrade Loan Scheme and will work with all parties concerned to minimise the administrative burden on homeowners applying for both loans and SEAI grants.

Still have questions?

Get answers to some of the most frequently-asked questions about An Post Money Home Energy Upgrade Loans or get in touch with our customer service team to help with your application.

Read the FAQs

Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit, a hire-purchase agreement, a consumer-hire agreement or a BNPL agreement in the future.

Information correct as at 14^th October 2025. Source: CCPC.ie. Lending criteria, T&Cs apply. The interest rate on your loan has been reduced in part, due to a 2% per annum subsidy paid to Avant Money by the government through the SBCI scheme. The subsidy is paid as long as you continue to qualify for this loan as outlined in the terms and conditions. *Completion of the Home Energy Summary Report and approval for a SEAI grant does not oblige An Post Money to provide a loan.

An Post acts as a credit intermediary on behalf of Bankinter S.A., who provide loan and credit card services and facilities. An Post trading as An Post Money is authorised as a credit intermediary by the CCPC.
Bankinter S.A., trading as Avant Money, is authorised by the Banco de España in Spain and is regulated by the Central Bank of Ireland for conduct of business rules.

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