Home Energy Upgrade Loan Scheme
Government-backed low-interest financing to cover the cost of a heat pump not paid by the SEAI grant.
Get Your Free Quote →Home Energy Upgrade Loan Scheme Details
Who Can Apply
- Homeowners undertaking an SEAI-supported energy upgrade, including heat pump installation
- Can be combined with the SEAI Better Energy Homes grant
- Available through participating banks and credit unions
- Standard lending criteria and affordability checks apply
Participating Lenders
Apply directly through the lender. The Home Energy Upgrade Loan Scheme is separate from the SEAI grant application, which your installer handles. See our full SEAI Heat Pump Grant guide for the grant side of financing your upgrade.
Get a Quote to Plan Your Financing
Get an accurate installation quote first, so you know exactly how much to finance.
Home Energy Upgrade Loan FAQ
The loan can be used for a heat pump installation alone, or combined with other SEAI-supported upgrades like insulation.
No, they are separate processes. The loan is arranged through your chosen lender, while the SEAI grant is applied for by your installer.
Standard lending criteria and affordability checks apply, the same as any personal loan application through the participating bank or credit union.