NSW Home Energy Saver Program

The NSW Home Energy Saver program is an NSW Government initiative that offers eligible NSW households interest-free loans of up to $15,000 to install approved home energy upgrades, including rooftop solar and battery storage. Home Energy Saver loans are funded by the NSW Government and delivered by participating finance providers. 

Nectr Solar & Battery is an accredited installer participating in the program. Eligible NSW homeowners who submit an enquiry via nswsolarbattery.nectr.com.au can have their eligibility assessed and receive a free, no-obligation quote for a qualifying installation. Loans are subject to eligibility, credit approval and the finance provider’s terms. 

Terms & Conditions 

1.  This offer is made by Instyle Solar Pty Ltd, ABN 99 159 287 153, trading as Nectr Solar & Battery, 12 Commercial Road, Newstead, QLD 4006. 

2.  The NSW Home Energy Saver program is funded and administered by the NSW Government. Nectr Solar & Battery is an accredited retailer and installer of solar and battery systems, and is not the provider of the program or the loan. Nectr Solar & Battery’s role is limited to: (a) assessing, on a preliminary basis, whether you may be eligible; (b) providing a quote for a qualifying solar and/or battery installation; and (c) referring you to a participating finance provider to apply for a Home Energy Saver loan. 

3.  Home Energy Saver loans are funded by the NSW Government and delivered by participating finance providers, being Brighte Capital Pty Limited, ABN 74 609 165 906, Australian Credit Licence 508217 (Brighte) and Plenti Finance Pty Limited, ABN 82 636 759 861, Australian Credit Licence 569622 (Plenti). Brighte and Plenti are each referred to in these terms and conditions as a Finance Provider. Your loan will be provided and managed by one Finance Provider and is subject to that Finance Provider’s credit assessment and approval. You will enter into a separate credit contract directly with your Finance Provider. These terms and conditions are separate from, and do not form part of, that credit contract. 

4. The offer is available from 25 June 2026 and remains open until further notice. The Promoter reserves the right to withdraw or amend the offer at any time without prior notice. 

5. To be eligible for a Home Energy Saver loan, you must meet the criteria set by the NSW Government and your Finance Provider, which currently include that you: 

– are an Australian citizen or permanent resident; 

– own the property where the upgrade is to be installed, as an owner-occupier or landlord (renters are not eligible for the loan); 

– have a combined household taxable income of no more than $210,000 per year; 

– have a property located in New South Wales that is not social or community housing and is not used for short-stay accommodation; and 

– meet your Finance Provider’s credit assessment requirements. 

Some areas may be subject to service restrictions or unavailability. 

6.  Final eligibility for the loan is determined by the NSW Government and your Finance Provider, not by Nectr Solar & Battery. Nectr Solar & Battery does not assess, decide or guarantee your eligibility for, or approval of, any loan, or the amount, term or availability of any loan. Any indication of eligibility given by Nectr Solar & Battery is preliminary only. The current, authoritative eligibility criteria are published at energy.nsw.gov.au/home-energy-saver. If you do not meet the eligibility criteria or your Finance Provider’s credit requirements, your loan application may be declined and this offer may not be available to you. 

7.  The Home Energy Saver loan provides up to $15,000 at 0% interest, repayable over a term of up to 10 years, with no establishment or account-keeping fees and no fee for early repayment. Other fees (for example, a late-payment fee where a repayment is missed) may apply under your Finance Provider’s loan terms. Headline figures (including “up to $15,000”, “0% interest” and “interest-free”) describe the maximum or standard terms of the program; the actual amount, term and conditions of any loan are subject to your Finance Provider’s assessment. 

8. A formal written quote is required to confirm the scope, pricing and eligibility of your installation. All products and upgrades must meet NSW Home Energy Saver program requirements and must be installed by an accredited installer. The list of eligible upgrades and products may change — refer to energy.nsw.gov.au/home-energy-saver for the current requirements. 

9. Subject to approval, your Finance Provider pays Nectr Solar & Battery directly for the installation once you and Nectr Solar & Battery confirm the work is complete. You do not receive the loan funds directly. If your installation costs more than your approved loan amount (including more than the $15,000 maximum), you are responsible for paying the difference to Nectr Solar & Battery in accordance with your quote and contract. 

10. Nectr Solar & Battery does not provide credit assistance, financial product advice or tax advice. Any information provided by Nectr Solar & Battery about the program or a loan is general information only and does not take into account your objectives, financial situation or needs. You should consider your own circumstances, read your Finance Provider’s terms and disclosures, and seek independent financial, legal or tax advice before entering into a loan. 

11. If a customer cancels their order after signing a contract, or if an installation appointment is cancelled prior to completion, the quoted pricing and any program-related benefits may no longer apply. Your rights to cancel are set out in your installation contract with Nectr Solar & Battery and your credit contract with your Finance Provider, including any cooling-off rights that apply under law. 

12. Where eligible, the loan may be used together with other government incentives (for example the federal small-scale technology certificates / battery rebate, the NSW Energy Savings Scheme and the NSW Peak Demand Reduction Scheme). Eligibility for those schemes is assessed separately and is not guaranteed by Nectr Solar & Battery. This offer cannot be combined with any other Nectr Solar & Battery promotion unless expressly agreed in writing, and cannot be redeemed for cash. 

13. Nothing in these terms and conditions restricts, excludes or modifies any consumer rights that consumers may have under any statute, including the Competition and Consumer Act 2010 (Cth). 

14. Except for any conditions, warranties and representations expressly stated in these terms and conditions, to the extent permitted by law, Nectr Solar & Battery excludes all conditions, warranties and representations under or in connection with the offer and these terms and conditions. 

15. To the extent permitted by law, Nectr Solar & Battery’s liability for breach of any condition, warranty or guarantee imposed by statute that cannot be excluded, and a customer’s sole and exclusive remedy in relation to such breach, will be limited to (at Nectr Solar & Battery’s option): 
– supplying the relevant services again; or 
– paying the cost of having the services supplied again.  

16. To the extent permitted by law, Nectr Solar & Battery’s total aggregate liability to a person in respect of any claim, loss, damage, expense or liability arising under or in connection with the offer or these terms and conditions (including in negligence) will not exceed the price paid to Nectr Solar & Battery for the relevant goods or services. Nectr Solar & Battery is not responsible for the acts, omissions, assessments, decisions or terms of the NSW Government or your Finance Provider, or for any tax consequences arising from a loan. 

17. Nectr Solar & Battery will use your personal information to conduct and manage the offer, to assess your enquiry, to provide products and services to you, to refer you to a Finance Provider, and to manage its relationship with you, as otherwise permitted by law. Nectr Solar & Battery may disclose your personal information to your Finance Provider (Brighte or Plenti), the NSW Government, and to its related companies, agents and contractors to assist in these purposes. This may include disclosures to organisations outside Australia, including in the United Kingdom, the United States of America, Canada, South Korea, Hong Kong and the Philippines. 

18. By participating, you consent to receive email or SMS messages from Nectr Solar & Battery in relation to the offer. You may opt out of these communications at any time by contacting us. Nectr Solar & Battery ‘s Privacy and Credit Reporting Policy are available at nectr.com.au/privacy-and-credit-reporting-policy/ and contains information about how to access or correct the personal information Nectr Solar & Battery holds about you, and how to make a privacy complaint. 

19. Eligibility is subject to verification. The Promoter reserves the right to request supporting documentation at any time, including proof of homeownership, income or identity. 

20. This offer is in no way sponsored, endorsed or administered by, or associated with, any social media platform including Facebook, Instagram, Threads, LinkedIn, TikTok, or Twitter/X. Customers and prospective customers provide their information to Nectr Solar & Battery and not to any social media platform, and completely release any relevant social media platforms from all liability. 

21. Nectr Solar & Battery may exclude or suspend a person from the offer or from receiving benefits under the offer if the person: 

– breaches these terms and conditions; 

– engages in any conduct that may jeopardise the fair and proper conduct of the offer; 

– acts in a disruptive, annoying, threatening, abusive or harassing manner; 

– does anything that may diminish the good name or reputation of Nectr Solar & Battery or any of its related entities or contractors; 

– breaches any law in connection with the offer or their participation in the offer; or 

– behaves in a way that is otherwise inappropriate. 

22. Home Energy Saver loans are funded by the NSW Government and delivered by Brighte. Loans are provided and managed by Brighte and are subject to assessment. Eligibility criteria and approved upgrade requirements apply. All applications for credit are subject to Brighte’s credit approval criteria. Fees, terms and conditions apply. © 2026 Brighte Capital Pty Limited (ABN 74 609 165 906), Australian Credit Licence number 508217. Home Energy Saver loans are also delivered by Plenti. Loans provided and managed by Plenti are subject to Plenti’s credit assessment. Interest-free loans under the Home Energy Saver program are subject to credit assessment and lending criteria. Fees, terms and conditions apply. Credit provided by Plenti Finance Pty Limited (ABN 82 636 759 861), Australian Credit Licence number 569622. 

23. This version of these terms and conditions is dated 25 June 2026.