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Home Energy Upgrade Loan

A low-cost loan of €5,000 to €75,000 over a term of up to 10 years. Rates are well below the usual market rates but vary by lender. The loan is unsecured, so there is no charge on your home.

What it is

A low-cost, government-backed loan to help fund SEAI grant-eligible home energy upgrades.

Who can get it

You own a home in the Republic of Ireland
The upgrade works first qualify for an SEAI grant
The works are carried out by an SEAI registered One Stop Shop or Community Project Coordinator
At least 75% of the loan goes on eligible energy upgrades (up to 25% can go on other home improvements like redecorating)
The upgrade is expected to lift your home's energy rating by at least 20%

Good to know

It is a government-backed scheme run by the SBCI, offered through banks and some credit unions. Rates are lower than the open market but differ by provider, so it is worth comparing.
You can draw the funds before the work starts, to cover deposits or milestone payments.
The loan is unsecured, so there is no charge over your property as there would be with a mortgage.
You cannot use it for works that are already finished.

How to apply

Applications go through SEAI / SBCI. The official page has the full eligibility rules and the application itself.

Go to the official page →

Checked against the official source on 13 June 2026. Always confirm the details on the official page before applying.

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