Reverse Cycle Air Conditioning with 0% Interest Finance
Upgrade your home comfort with the NSW Home Energy Saver loan by Brighte
Frostbyte Air Conditioning is partnering with Brighte to help eligible NSW homeowners and landlords install energy efficient reverse cycle air conditioning with a 0% interest loan funded by the NSW Government.
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0% interest finance
Borrow from $2,000 to $15,000
Repayment terms of up to 10 years
No establishment or weekly account keeping fees
Official launch financial partners
Brighte has been selected as one of the first launch finance providers for the NSW Government’s Home Energy Saver loan program. Offering 0% interest finance to help NSW households lower their energy bills and make their homes more comfortable to live in.
Make Your Home Comfortable All Year Round
A reverse cycle air conditioner provides efficient cooling during Sydney’s hot summers and dependable heating throughout winter. It is a practical way to improve your home’s comfort while moving towards a more energy efficient electric household.
Through our partnership with Brighte, we can help eligible customers access the NSW Home Energy Saver loan for an approved reverse cycle air conditioning system. We will assess your property, recommend a suitable system and provide a clear installation quote. If you choose the 0% interest loan, Brighte will manage your finance application, credit assessment, loan and repayments.
About the Home Energy Saver Loan by Brighte
| Loan feature | Details |
|---|---|
| Finance amount | From $2,000 to $15,000 |
| Interest rate | 0% interest |
| Comparison rate | 0.00% p.a.* |
| Repayment term | Up to 10 years |
| Establishment fee | $0 |
| Weekly account keeping fee | $0 |
| Introducer fee | $0 |
| Early repayment | Available at any time with no early repayment fee |
| Eligible applicants | Eligible NSW homeowners and landlords |
| Household income | Total taxable household income must not exceed $210,000 per year |
| Eligible upgrade | Approved electric heating and cooling systems, including reverse cycle air conditioning |
| Finance provider | Loans are provided, assessed and managed by Brighte |
| Program funding | Funded by the NSW Government |
Program information: NSW Government Home Energy Saver and Brighte Home Energy Saver loan.
Applications are currently open with no published closing date. Availability, eligibility and approved product requirements may change.
Frequently Asked Questions
What is the NSW Home Energy Saver loan?
The Home Energy Saver loan is a NSW Government funded finance option designed to help eligible households purchase approved energy saving upgrades. Brighte delivers and manages the loan, while approved suppliers complete the installation.
Can I use the loan for reverse cycle air conditioning?
Yes. Approved reverse cycle air conditioning is included as an eligible energy saving upgrade. The selected system and installation must meet the program’s requirements.
Who may be eligible?
You may be eligible if you own a property located in NSW as an owner occupier or landlord, your household’s total taxable income does not exceed $210,000 per year, you are an Australian citizen or permanent resident, the property is not social housing or used for short stay accommodation, and you meet Brighte’s credit assessment requirements. All applications remain subject to Brighte’s assessment and approval.
Is this a grant or rebate?
No. This is a loan that must be repaid. It has a 0% interest rate, and you repay the amount you borrow over the agreed term. The NSW Government is also introducing separate Home Energy Saver discounts for eligible households. If you want to use a discount and loan for the same purchase, the NSW Government recommends applying for the discount first once discount applications open.
How much can I borrow?
Eligible customers may apply to borrow between $2,000 and $15,000. If your project costs more than the approved loan amount, you will need to pay the difference.
Can I repay the loan early?
Yes. Brighte advises that you can repay the loan early at any time without an early repayment fee.
Are there any fees?
There is no establishment fee, weekly account keeping fee or introducer fee. A late payment fee of $4.99 may apply if you miss a repayment, capped at $49.90 per year.
Does Frostbyte approve the finance?
No. Frostbyte supplies and installs the eligible reverse cycle air conditioning system. Brighte is responsible for assessing applications, approving credit, providing the loan and managing repayments.
Who receives the payment?
After the work has been completed and confirmed, Brighte pays the approved installer directly.
Can renters apply for the loan?
No. The Home Energy Saver loan is available to eligible property owners, including owner occupiers and landlords. Renters may qualify for separate Home Energy Saver discounts when those applications open, subject to the program’s requirements and their landlord’s approval.
How we work
Contact Frostbyte
Speak with our team about your home, current air conditioning and the areas you would like to heat and cool.Choose the Right System
We will assess your requirements and recommend an eligible reverse cycle air conditioning system that suits your property, comfort needs and budget.Receive Your Quote
We will provide a clear quote outlining the recommended system and installation work.Apply Through Brighte
If you decide to use the NSW Home Energy Saver loan, you can submit your application through Brighte. Brighte will assess your eligibility and manage the finance process.We Complete the Installation
Once your finance is approved and the installation is confirmed, our qualified team will install your new reverse cycle air conditioning system.Ready to take the next step?
Contact Frostbyte Air Conditioning today to request a free quote and see if you’re eligible for the NSW Home Energy Saver loan.