Finance Overview & Grants
Finance Options
What is Low-Cost Financing and how does it work?
Securing financing for One Stop Shop Upgrades is a simple and straightforward process. After completing a home energy assessment and receiving the final estimate for the necessary work, you will be provided with a Home Energy Summary Report. This document can be presented to your selected finance provider to apply for a low-cost loan. Many finance providers offer a digital-first process, allowing you to apply and potentially receive provisional approval right from the comfort of your home.
1
Begin the Process
Once you’ve signed up for the One Stop Shop service with Breffni Energy Solutions, we will schedule a Home Energy Assessment to determine the necessary measures needed to achieve at least a B2 BER rating.
2
Review Your Assessment
We will provide a list of eligible upgrades to boost your homes energy efficiency such as Heat Pumps, Insulation, and Solar PV.
3
Quotation
Once you’ve received your final quote and are ready to proceed, we will provide you with a Home Energy Summary Report. This report is essential for applying for your loan through your chosen finance provider.
4
Apply for Your Loan
Use your Home Energy Summary Report to apply for a flexible, low-cost loan. (Terms and conditions apply.)
5
Home Upgrade
After receiving loan approval, you can move forward with your home energy upgrade and begin the work.
Grant Options
Grants Available
There are two grants available for homeowners considering a One Stop Shop retrofit of their home. They are provided by your local County Council and the SEAI.
One Stop Shop Grant
Verify Your Eligibility
Before beginning the process, ensure that your home or property qualifies for the One Stop Shop service. This service is available to homeowners, private landlords, and Approved Housing Bodies (AHBs) with properties that meet the following criteria:
- The property was constructed and occupied prior to 2011.
- It currently has a BER rating of B3 or lower and must achieve at least a B2 rating upon completion of the upgrades, with an improvement in the BER primary energy value of 100kWh/m²/year or better.
- The property has not previously received grants for the same home energy upgrades
Grant details
Click below to review the most recent grant information from SEAI.
Combine the One Stop Shop with the Vacant Property Refurbishment Grant
Did you know you can pair the One Stop Shop Grant Scheme with the Vacant Property Refurbishment Scheme?
This scheme offers up to €50,000 in additional funding to renovate eligible vacant properties. If the property is classified as derelict, you may receive an extra top-up grant of €20,000.
Maximise your funding potential and turn vacant or derelict properties into energy-efficient homes with expert assistance from Breffni Energy Solutions.
Finance Options
Need funds to transform your home? Explore the home improvement loans available from your local bank, credit union, and post office
residential grants
Property Grant
Apartment (any)
Heat Pump Systems Grant |
€4,500 |
Central Heating System for Heat Pump Grant |
€1,000 |
Heat Pump Air to Air Grant |
€3,500 |
Heating Controls Grant |
€700 |
Heat Pump Bonus Grant |
€2,000 |
Solar Hot Water Grant |
€1,200 |
Attic insulation Grant |
€800 |
Rafter Insulation Grant |
€1,500 |
Cavity Wall Insulation Grant |
€700 |
Mid-Terrace
Heat Pump Systems |
€6,500 |
Central Heating System for Heat Pump |
€2,000 |
Heat Pump Air to Air |
€3,500 |
Heating Controls |
€700 |
Heat Pump bonus |
€2,000 |
Solar Hot Water |
€1,200 |
Attic insulation |
€1,200 |
Rafter insulation |
€2,000 |
Cavity Wall Insulation |
€800 |
Semi-detached or End of Terrace
Heat Pump Systems |
€6,500 |
Central Heating System for Heat Pump |
€2,000 |
Heat Pump Air to Air |
€3,500 |
Heating Controls |
€700 |
Heat Pump bonus |
€2,000 |
Solar Hot Water |
€1,200 |
Rafter insulation |
€3,000 |
Cavity Wall Insulation €1,200
Internal Insulation (Dry Lining) |
€3,500 |
External Wall Insulation (The Wrap) |
€6,000 |
External Doors (max. 2) |
€800 per door |
Floor Insulation €3,500 |
Solar PV |
€800 per kWp up to 2kWp |
€250 for every additional kWp up to 4kWp |
Total Solar PV grant capped at €2100 |
€1600 for 2kWp solar panels |
€1850 for 3kWp solar panels |
€2100 for 4kWp solar panels |
Mechanical Ventilation €1,500 |
Air Tightness €1,000
Home Energy Assessment €350
Project Management €1,600 |
Detached House
Heat Pump System |
€6,500 |
Central Heating System for Heat Pump |
€2,000 |
Heat Pump Air to Air |
€3,500 |
Heating Controls |
€700 |
Heat Pump Bonus |
€2,000 |
Solar Hot Water |
€1,200 |
Attic insulation |
€1,500 |
Rafter insulation |
€3,000 |
Cavity Wall Insulation €1,700
Internal Insulation (Dry Lining) |
€4,500 |
External Wall Insulation (The Wrap) |
€8,000 |
Windows (Complete Upgrade) |
€4,000 |
External Doors (max. 2) |
€800 per door |
Floor Insulation €3,500 |
Solar PV |
€800 per kWp up to 2kWp |
€250 for every additional kWp up to 4kWp |
Total Solar PV grant capped at €2100 |
€1600 for 2kWp solar panels |
€1850 for 3kWp solar panels |
€2100 for 4kWp solar panels |
Mechanical Ventilation €1,500 |
Air Tightness €1,000
Home Energy Assessment €350
Project Management €1,600
how it works
Frequently Asked Questions & Answers
The Home Energy Summary Report (HESR) is a crucial document provided to you by Breffni Energy Solutions after the final quotation is completed. This report is necessary for applying for government-backed low-cost financing with participating finance providers.
After you’ve completed the initial process with Breffni Energy Solutions, you’ll receive the Home Energy Summary Report. This report allows you to apply directly for financing with participating providers. Breffni Energy Solutions is not involved in the financing application beyond providing this report.
Yes, there are limits. You can finance between €5,000 and €75,000 per property, with a maximum of three properties. The total amount you can finance for three properties is capped at €225,000.
Through the One Stop Shop Scheme with Breffni Energy Solutions, you can finance a wide range of measures typically included in a whole-home upgrade. This includes insulation, heat pumps, heating controls, ventilation, external windows and doors, and renewable systems like solar PV. Note that solar PV can only be financed as part of a comprehensive home upgrade, not as a standalone project.
Yes, to qualify for financing, the installed measures must lead to a 20% improvement in the energy performance (BER) of the property.
You can allocate up to 25% of the total loan towards works that are not grant-aided by SEAI. This limit is strictly enforced.
You cannot finance work for non-residential properties, refinance existing debt, or cover previous works that have already received an SEAI grant. Additionally, financing for any form of fossil fuel boilers is not available. Only 25% of the loan can be used for non-SEAI grant-aided measures, and finance providers may audit loans to ensure compliance.
You are still eligible for financing if you’ve received a quotation and the works have not yet commenced. Financing is also available if a pre-BER was published and work has begun but has not been paid for, and no grant has been claimed. However, you are ineligible for financing if the works have been completed and paid for, or if work began with grant pre-approval but without a pre-BER completed on the propert
The specific requirements are determined by each finance provider, so the process may differ depending on who you choose. SEAI encourages a ‘digital-first’ approach, which typically allows you to complete the entire process online. For further details, please reach out to your selected finance provider.
A list of participating partners will be made available at a later date. Each finance provider offering these loans will establish their own terms, underwriting criteria, and interest rates.
