Home Energy Upgrade Loan Scheme

Looking to improve the Building Energy Rating (BER) of your home with a lower cost loan? The Home Energy Upgrade Loan Scheme, alongside a Sustainable Energy Authority of Ireland (SEAI) grant, could be the answer.

Apply online Check our retrofit tool

How to apply


Step 1: Contact a Sustainable Energy Authority of Ireland (SEAI) registered provider

Contact one of the following SEAI service providers to plan an energy upgrade for your home, carry out a property assessment and be provided with a Home Energy Summary Report:


Step 2: SEAI registered provider completes a Home Energy Summary Report on the property

They will also give you information about SEAI grants you’re eligible for and apply for them on your behalf. These include:

  • National Home Energy Upgrade Scheme
  • Better Energy Homes Scheme
  • Community Energy Grant Scheme

Please note: To apply for the Home Energy Upgrade Loan Scheme, you must also have one of these SEAI grants. Information also available on www.SEAI.ie*


Step 3: Complete an application

Complete an application form and include a copy of the Home Energy Summary Report conducted by one of the SEAI registered service providers. It is not possible to submit an application without this report.

Existing 365 online registered current account customers can use our online application form below. New customers can call our loans team or call into your local branch.

Apply online now

365 online registered current account customers can apply online today.

Call our loans team

Customers can call us on 0818 200 334 Mon-Fri, 9am – 5pm.

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

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.
Warning: The cost of your monthly repayments may increase.
*Bank of Ireland is not responsible for the information on third party websites.




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