The cost depends on the lender, loan amount, interest rate, term and any arrangement or early-repayment fees. Ireland’s Home Energy Upgrade Loan Scheme is offered through participating lenders, and the rate and approval terms are set by the lender rather than GrantWise or SEAI. Your repayments may also be affected by whether you receive an eligible SEAI grant, as the loan is intended to help fund approved energy upgrades. Compare the APR and total repayable amount, and ask a participating lender or registered contractor for an estimate based on your project.