The Home Energy Upgrade Loan Scheme is intended for homeowners seeking finance for qualifying energy-efficiency works on an eligible home, with applications made through participating lenders. The lender will assess affordability and creditworthiness, while scheme rules may require approved works, eligible contractors and evidence of energy improvement, such as BER assessments. Eligibility and approval are not automatic and can depend on the property, proposed upgrades and your circumstances. Check the latest SEAI guidance and speak with a participating lender or registered contractor before applying.