Grants and loans for energy renovations

Funding for insulation, better heating and other improvements that reduce a building’s energy use. Some offers cover individual measures; others support a whole-building renovation.

Funding opportunities (61)

Grants and tax incentives

Boiler Upgrade Scheme

OfgemEngland, WalesGrant

An upfront grant for property owners replacing fossil-fuel or electric heating with an eligible heat pump or, in limited cases, a biomass boiler in England or Wales.

BEG municipal grant (464)

KfWGermanyGrant

Grants for German municipalities and municipal associations completing whole-building energy renovations or buying freshly renovated efficient buildings.

Varmepumpepuljen

Danish Energy AgencyDenmarkGrantcloses 30 Nov 2026

A Danish grant for owners replacing oil, gas, electric or biomass heating in a year-round home with an eligible heat pump.

Warmer Kiwi Homes

EECANew ZealandGrant

Grants towards insulation and heat pumps for qualifying New Zealand homeowners who live in a home built before 2008.

Solar Homes hot water rebate

Solar VictoriaAustraliaRebate

Homeowners living in their property in Victoria can get up to AUD 1,000 towards an eligible replacement heat-pump or solar hot-water system, or up to AUD 1,400 for an eligible locally made model.

Coup de pouce Chauffage

French StateFranceGrant

Financial help for owners and tenants in France to replace fossil-fuel heating, paid by participating energy sellers and other charter signatories.

Home insulation subsidy

Gemeente DeventerNetherlandsGrantup to 1.5k EUR

A grant for owner-occupiers in Deventer to insulate poorly insulated homes with a WOZ value below €477,000, including contractor-installed floor insulation.

Loans and other finance

Residential building retrofit loan

KfWGermanyLoanup to 150k EUR

A loan of up to €150,000 per dwelling for a whole-building energy retrofit or the purchase of a newly retrofitted German home, with part of the debt written off.

Green property loan

HandelsbankenSwedenLoan

Loans for companies and housing associations financing qualifying commercial or multifamily buildings, including new construction and energy-performance improvements.

Green investment loan

SBABSwedenLoan

Loans for property companies adding insulation, installing solar panels or making other energy and environmental improvements.

Energy loan

SwedbankSwedenLoan

Loans for companies and housing associations reducing energy use in their property or installing solar panels.

Mijn VerbouwLening

Flemish GovernmentFlandersLoan

A low-interest renovation loan for income-qualified owner-occupiers, private landlords, nonprofit organizations, cooperatives and co-owner associations in Flanders.

Municipal energy-renovation loan (264)

KfWGermanyLoan

Loans for German municipalities renovating buildings, with possible debt reduction for whole-building work or supplementary borrowing alongside an approved grant for individual improvements.

Home energy loan

Commonwealth Bank of AustraliaAustraliaLoan4–50k AUD

Unsecured loans of A$4,000–50,000 for eligible home-energy upgrades, with discounted fixed or variable interest and a separate concession for eligible CommBank mortgage customers.

Green mortgage top-up loan

StabeloSwedenLoan

Existing mortgage borrowers can borrow for home energy improvements with a 0.20 percentage-point interest discount on the amount used for eligible work.

Green energy loan for your home

HandelsbankenSwedenLoanup to 250k SEK

Borrow without collateral for home energy improvements, charging equipment and protection against floods or heat, if at least one borrower has a Handelsbanken mortgage.

Solar panel loan

Swedbank ASEstoniaLoan3–30k EUR

Homeowners can borrow €3,000–€30,000 without collateral for solar panels, heat pumps, wind turbines or energy storage at a property they own in Estonia.

Solar panel loan

AS SEB PankEstoniaLoanup to 40k EUR

A consumer loan for individuals buying and installing solar panels, with up to €25,000 when applying alone or €40,000 with a co-applicant.

Home energy efficiency loan

Swedbank ASEstoniaLoan20k EUR and up

Borrow from €20,000 for house renovations such as insulation and heating upgrades, using the house being renovated as security.

Solar panel loan

Swedbank ASLatviaLoan3–30k EUR

Borrow without pledging your property to buy and install solar panels, batteries, heat pumps or wind generators for your home.

Home energy-efficiency loan

Swedbank ASLatviaLoan20k EUR and up

A property-secured loan for homeowners improving an existing private house with insulation, heat-recovery ventilation or more efficient windows and doors.

GEFF home energy renovation loan

NLB BankaMontenegroLoanup to 50k EUR

Borrow for approved insulation, windows, heating or solar technologies in a home, with a conditional GEFF incentive after installation and verification.