From 1 July 2025, the ACT Sustainable Household Scheme is no longer interest-free. New loan applications carry a 3% interest rate, while the cap ($15,000), term (up to 10 years), and product coverage (solar PV, batteries, heat pumps, EV chargers, efficient heating/cooling) are unchanged.
What this means in practice
On a $15,000 loan over 10 years at 3%, the total interest cost is approximately $2,400, meaningful but still substantially cheaper than commercial green loans (which run 5–8% in 2026). The repayment increase versus the previous interest-free terms is about $20/month on a $15,000 loan.
Other ACT programs still active
- Home Energy Support Program, up to $5,000 total ($2,500 toward solar + $2,500 toward efficient hot water, heating/cooling, or insulation). Income-tested.
- Federal STC + Cheaper Home Batteries, stack on top.