SEAI Low Cost Home Energy Upgrade Loan Scheme

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A Comprehensive Guide for Homeowners

The Home Energy Upgrade Loan Scheme is a government-backed initiative by the Sustainable Energy Authority of Ireland (SEAI). Designed for homeowners looking to improve their homes’ energy efficiency, this scheme makes it easier and more affordable to create warmer, healthier, and cheaper-to-run homes. If you’re considering upgrading your home through the One Stop Shop this new scheme is certainly worth considering if looking to finance your project.

What’s on Offer through SEAI One Stop Shop Loans?

The one stop shop loan scheme provides low-cost loans ranging from as little as €5,000 to €75,000, with repayment terms of up to 10 years. These loans come with interest rates significantly lower than those generally available in the market. Additionally, up to 25% of the loan can be used for non-energy-related home improvements, such as redecorating.

Benefits of the Loan Scheme:

  • Spread the Cost: The loans help distribute the cost of energy upgrades over time, making it easier to manage repayments alongside energy bill savings.

  • Upfront Funds: Approved loans can be drawn before work begins to cover deposits or milestone payments.

  • Flexibility: Use up to 25% of the loan for other home improvements.

Eligibility Criteria

To qualify for the Home Energy Upgrade Loan Scheme, you must:

  • Use the loan to carry out SEAI grant-aided home energy upgrade works.

  • Be the homeowner.

  • Ensure your property is located in the Republic of Ireland.

  • First qualify for an SEAI grant.

  • Your project must be projected to achieve a minimum 20% uplift on the current energy performance (BER).

Learn more about the full terms and conditions of the loan scheme.

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How to Apply:

  • 1

    Contact an SEAI registered One Stop Shop, Energy Partner, or SEAI Community Project Coordinator.

  • 2

    An assessment of your home will be carried out.

  • 3

    Engage with a participating finance provider.

  • 4

    Apply for your SEAI loan.

  • 5

    Once approved you can start your project.

The One Stop Shop Service

The SEAI registered One Stop Shop service is an amazing resource allowing you to embark on your home energy upgrade journey. This service offers:

  • Home Assessment: A thorough evaluation of your home’s current energy performance.

  • Home Energy Summary Report: A detailed report outlining recommended upgrades and potential savings.

  • Grant Application: Assistance in applying for SEAI home energy upgrade grants.

  • Project Management: A dedicated project manager to guide you through the process and remove so much of the stress around a project of this scale.

Explore more details about SEAI One Stop Shop Grants.

Wrap Up

The Home Energy Upgrade Loan Scheme is an excellent opportunity for homeowners in Ireland to enhance their home’s energy efficiency. With low-cost loans, competitive interest rates, and the supportive One Stop Shop service, upgrading your home’s energy performance is now more accessible than ever. Get in touch with our team and start your One Stop Shop journey today.

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Looking to improve your Home Energy Rating (BER)? Complete our 2-minute questionnaire to get started with your home energy upgrade.

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About Your Home

What upgrades are you particularly interested in?
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