Government Funded Loan
Government Funded loan
Government-Backed Low-Cost Loans for Home Energy Upgrades
At Breffni Insulation, we’re delighted to support homeowners in accessing the new low-cost Home Energy Upgrade Loan Scheme, developed by the Strategic Banking Corporation of Ireland (SBCI) with backing from the European Investment Fund (EIF), the European Investment Bank (EIB), and the Government of Ireland.
These government-supported loans are designed to make it easier and more affordable to improve the energy performance of your home, while also reducing your carbon footprint and energy bills.
Benefits of the Home Energy Upgrade Loan
- Spread the cost over time
Enjoy the flexibility of monthly repayments instead of a large upfront cost. - Lower your energy bills
Energy-efficient upgrades can significantly reduce running costs. - Combine grants and loans
The process is streamlined — you can apply for your SEAI grant and this low-interest loan in parallel. - Draw funds before works begin
Use the loan for deposits or milestone payments to get your project moving. - Cover additional works
You can use up to 25% of the loan on related non-energy improvements, like redecorating or replacing floors.
What the Loan Covers
This loan is intended specifically for home energy upgrade works that also qualify for an SEAI grant. You can borrow between €5,000 and €75,000, over a flexible term of up to 10 years, through participating lenders including banks and credit unions.
Key Features
- Lower interest rates than standard personal loans (rates vary by lender)
- No security required – these are unsecured loansTerms of up to 10 years
- Loans from €5,000 to €75,000
- Available before works begin – useful for deposits or stage payments
- Option to spend up to 25% of the loan on non-energy works, such as redecorating
Eligibility Criteria
To be eligible for the Home Energy Upgrade Loan, you must:
- Be the owner of the property
- Ensure the home is located in the Republic of Ireland
- Use a registered SEAI One Stop Shop, Energy Partner, or Community Coordinator (like Breffni Insulation)
- Ensure at least 75% of the loan is used for eligible energy upgrades
- Achieve a minimum 20% uplift in your home’s BER (Building Energy Rating)
- Not have already completed the works you wish to finance
How to Apply – Step-by-Step
1
Contact Breffni Insulation
As a registered SEAI One Stop Shop, we’ll help you plan your home energy upgrade.
2
Home Energy Assessment
We will carry out an energy assessment and provide you with a Home Energy Summary Report.
3
SEAI Application
You apply for the SEAI grant with our support.
4
Loan Application
Using your Home Energy Summary Report, you apply for the loan through SBCI’s participating finance providers at www.SBCI.gov.ie.
5
Approval
Once approved, you can get started on your upgrade.
Loan Options by Grant Route
One Stop Shop Service (Managed by Breffni Insulation)
- Full upgrade solution under SEAI’s National Home Energy Upgrade Scheme
- Must achieve a minimum 20% uplift and a BER of B2
- Up to 25% of the loan may be used for non-energy works
Individual Energy Upgrades (Managed by an Energy Partner)
- Ideal for step-by-step upgrades under SEAI’s Better Energy Homes Scheme
- Same eligibility: minimum 20% BER uplift, 75% loan for energy measures
Community Grant (Managed by a Community Coordinator)
- For multiple upgrades under SEAI’s Community Energy Grants Scheme
- Same requirements as above, with a focus on community-wide upgrades
Start Your Upgrade Journey Today
Breffni Insulation is here to help you every step of the way — from assessment and grant application to completing the work. With this new loan scheme, upgrading your home has never been more accessible.
Let’s make your home warmer, more efficient, and ready for the future.
