Get Reverse Cycle Air Conditioning or an EV Charger with a 0% Interest Government Loan

If you’ve been thinking about upgrading your air conditioning or installing an EV charger at home, the NSW Government just made it a lot more affordable.

The Home Energy Saver loan launched this month, offering eligible NSW households a 0% interest loan of up to $15,000, repayable over up to 10 years. No interest, no fees, and no penalty if you want to pay it off early. You simply repay what you borrow.

Zac Power is an approved seller under this program, and we’re ready to deliver reverse cycle air conditioning and EV charger installations through the scheme right now.

What you can finance today

Right now, we can process Home Energy Saver loans for two upgrade categories: reverse cycle air conditioning and EV chargers. If winter heating or summer cooling has been on your list, or you’ve been holding off on home EV charging because of the upfront cost, this is the moment to act. No more half-measures with a single split system covering one room — finance a system that actually does the job, at 0% interest.

Solar and battery storage are also part of the Home Energy Saver program, and we’re working through accreditation to offer those under the scheme as well. We’ll have more to share on that soon. In the meantime, if you want a solar or battery system designed and quoted properly, we’re still very much open for business on those — just not through this particular finance pathway yet.

Who’s eligible

The eligibility rules are broader than most government programs:

Your household’s total taxable income needs to be under $210,000 a year. You need to own the property, either as an owner-occupier or a landlord. You need to be an Australian citizen or permanent resident, and the property needs to be in NSW and not used as social housing or short-stay accommodation.

If you tick those boxes, you’re very likely eligible.

How it works

You apply through Brighte, the finance provider managing these loans, with standard credit assessment and proof of income required. Once approved, the loan covers the cost of your upgrade — up to $15,000 — and you repay it over a term that suits you, up to 10 years, with zero interest and zero fees attached.

There’s also a separate discount of up to $4,000 coming later in 2026 for households earning under $80,000 a year or holding an eligible concession card. That’s not open yet, but worth keeping in mind if you think you’ll qualify.

Why it’s worth doing now

A 0% interest loan removes the single biggest reason people put off a proper air conditioning upgrade or EV charger install: the upfront cost. You get the comfort and convenience now, and pay it off over time without a cent of interest.

We design every system properly — correct sizing, correct compliance, correct documentation — and back our work with genuine support after installation. If you want to know whether your home qualifies and what an upgrade through this scheme would look like, give us a call.

(02) 6342 3354