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

Rates

Borrow between €5,000 and €75,000 over 1 to 10 years on a variable rate of 3% Annual Percentage Rate (APR).

Representative example: The repayments on a Home Energy Upgrade Loan of €20,000 over 5 years with 60 monthly instalments are €358.87 per month at 2.95% variable (Annual Percentage Rate (APR) 3.0%). The total cost of credit is €1,532.20.
Variable rates are correct as at 5 February 2025 and are subject to change.

Internal reference rates

We apply reference rates to all new loans. The reference rate is an internal rate we use to work out how much it will cost us to give you a loan. It includes the cost of funds to the bank and administration costs for the set-up and maintenance of the loan.

VI 0.25%

Please note: Your credit agreement explains all the interest rate types we charge for your 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.




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