Home Energy Upgrade Loan Scheme
Unsecured loans of €5,000–€75,000 per property for homeowners making SEAI grant-supported energy improvements such as insulation or heat pumps.
Esta oportunidad está disponible actualmente en inglés.
Borrow through a participating lender to pay the part of your home energy upgrade not covered by a Sustainable Energy Authority of Ireland (SEAI) grant. You repay the loan with interest over one to ten years, on a fixed monthly repayment schedule. Interest rates vary by lender. No security or personal guarantee is required.
You can borrow for up to three properties, with a limit of €75,000 per property and €225,000 in total per borrower. At least 75% of the borrowing must cover qualifying energy work after deducting the grant; up to 25% can cover other home improvements, furniture or decorating.
Qualifying grant routes are Better Energy Homes individual upgrades managed by a One Stop Shop, the National Home Energy Upgrade Scheme, and the Community Energy Grant Scheme. A One Stop Shop or Community Project Co-ordinator plans the upgrade, handles the grant application and deducts the grant from the upfront price.
A loan solely for solar electricity panels is not eligible. Panels can be included alongside other works under the National Home Energy Upgrade or Community Energy Grant schemes. Under Better Energy Homes, solar electricity panels can instead fall within the 25% allowed for other improvements.
Eligibility
- You must be an individual acting for yourself and resident in Ireland. Companies cannot apply. You must own the residential property, which must be in the Republic of Ireland.
- You must obtain an eligible SEAI grant. The energy works must be carried out through an SEAI-registered One Stop Shop or Community Project Co-ordinator, not independently through another contractor route.
- The planned works must improve the property's energy performance by at least 20% compared with its performance before the work. Approved energy-work costs, after deducting the proposed SEAI grant, must be at least 75% of the loan amount when you borrow.
- The property must not have been a holiday home, used for short-term letting, or used partly commercially and partly residentially in the previous 12 months. You must undertake not to use it in any of these ways for at least 12 months after obtaining finance.
- You cannot use the loan to refinance existing term-loan debt, repeat an energy investment that already received another SEAI grant, or install fossil-fuel burners.
- Sanctions, illegal-activity and exclusion checks apply, including bankruptcy, insolvency proceedings and specified criminal judgments.
A separate tax-residence restriction applies to jurisdictions listed for failures in tax transparency or safeguards against money laundering and terrorist financing; it is not a ban on all foreign tax residence. For the An Post Money route, Annex 1 of the lender's scheme terms identifies the applicable EU tax and high-risk-country lists, OECD/G20 transparency lists and ratings, and Financial Action Task Force high-risk and increased-monitoring lists under “Non-Compliant Jurisdiction”. These lists can change. Those terms also allow an exception for an Irish resident where there is no indication that the loan supports criminal activity or wholly artificial tax-avoidance arrangements. The lender applies this test under its loan terms.
If the property is rented, was rented in the previous 12 months or will be rented in the next 12 months, rules on public support for economic activity (State aid) may apply.
Failing the mandatory grant, approved-delivery or 75% net-cost conditions can remove the loan from the scheme. The lender may then demand repayment or charge a higher interest rate.
How to apply
- Estado
- cierra 31 dic 2026
- Cierra
- Restricciones de la ronda
- Loans are available until 31 December 2026 unless the scheme is fully allocated earlier. Lender credit approval is required.
Contact an SEAI-registered One Stop Shop or Community Project Co-ordinator to plan your works and arrange the grant. You need a valid Building Energy Rating (BER), the assessment of your home's energy performance. The One Stop Shop or co-ordinator checks the expected improvement and gives you a signed Home Energy Summary Report covering the planned works, costs and expected grant.
Then apply to one of the participating lenders listed on the official scheme page, using that report. Confirm property ownership by self-declaration and provide the property's Meter Point Reference Number (MPRN), the unique 11-digit identifier for its electricity connection. Find it at the top right of your electricity bill. The lender assesses your application against its own credit criteria; the report does not guarantee a loan.