Costs & Fees
Your home is one of your biggest investments. Making it warmer and more energy-efficient is now more affordable than ever with SEAI grants and flexible financing options.
Costs
The cost of a whole-house retrofit varies based on factors like your home’s size, age, and existing insulation. Costs range from €25,000 for a typical house built since 2000 to €75,000 or more for older, larger or more complex homes. It’s a large investment so an SEAI grant is available to support you to do this.
On average, an Electric Ireland Superhomes retrofit costs €56,000 before grants—but with SEAI support, this can drop to around €30,000 net of grants.
Supporting You
We’re here to guide you through the process. As part of our Initial Consultation, we’ll provide a tailored cost estimate and the latest SEAI grant information. Get in touch today, and let’s explore the best options for your home.
SBCI Home Energy Upgrade Loan Scheme
- Low-interest loans for homeowners in Ireland to fund energy efficiency upgrades, offered by several banks in partnership with the Strategic Banking Corporation of Ireland (SBCI).
- Loan amounts from €5,000 to €75,000 with terms up to 10 years.
- Must use at least 75% of funds for eligible upgrades, improving energy performance by at least 20%.
First Choice Credit Union
- Green Home Improvement Loans with low interest rates.
- Flexible repayment terms and loan protection insurance.
- Apply online or visit Achill, Balla, Ballyhaunis, Castlebar, Kiltimagh & Swinford branches.
AIB Green Personal Loan
- Lower interest rates for AIB Green Personal Loans.
- Borrow up to €60,000 with terms up to 10 years.
- Set your own repayment schedule: weekly, fortnightly or monthly.
Allied Irish Banks, p.l.c. is regulated by the Central Bank of Ireland.
Find out more
Premier Credit Union
- Green Energy Loans up to €75,000 with terms up to 10 years.
- No minimum membership required for Green Energy Loans.
- Branches in Thurles, Roscrea, Killenaule and Urlingford.
Financing Your Home Retrofit
Key Features and Benefits
- Low Interest Rates: Enjoy competitive rates starting as low as 3%, significantly lower than standard personal loans, making it easier to finance your home energy upgrades.
- Non-energy works: Up to 25% of your loan can be used for non-energy works, such as bathroom improvements.
- Flexible Loan Amounts: Borrow between €5,000 and €75,000, allowing you to cover both small and large-scale energy improvements.
- Extended Loan Terms: Repay over a period of up to 10 years, helping to manage monthly payments and spread the cost of your investment over time.
- Enhance Your Home’s Value: Upgrading your home’s energy efficiency not only reduces energy bills but can also increase your property’s market value.
- Contribute to a Greener Future: By participating in this scheme, you’re taking a proactive step toward reducing your carbon footprint and supporting Ireland’s transition to a more sustainable future.
Repayment Example
Loan Details
€20,000
over five years
Interest Rate
3.5%
variable
APR
3.55%
(remains fixed)
Monthly Repayment
€364
Total Cost of Credit
€1,830
Total Amount Repayable
€21,830
Terms and conditions apply to the Home Energy Upgrade Loan: This example provides an indicative idea of what repayment might look like under the Home Energy Upgrade Loan Scheme. Please note, actual rates and repayments may vary depending on the lender and specific terms of the loan. These figures are for illustrative purposes only and should not be considered as an offer or guarantee of rates. Prospective borrowers should consult directly with participating banks or financial institutions to obtain precise quotations and confirm their eligibility based on the most current information available.
Electric Ireland Superhomes Fees
The Electric Ireland Superhomes Home Energy Report outlines your retrofit plan. It starts with a Home Survey to assess your home’s performance, followed by DEAP analysis to design the best retrofit solution. The report details costs, grants, and next steps.
The report costs €725, including a video call with an advisor. If you proceed with the works, additional professional fees apply based on project size and type.
Median Costs & Grants
Apartment
Median works cost
€24,477
Median grant amount
€8,800
Median cost to homeowner
€15,677
Average BER improvement
Typical upgrades
- Heat pump
- Windows and doors
- Wall insulation
Mid Terrace
Median works cost
€48,062
Median grant amount
€18,300
Median cost to homeowner
€29,762
Average BER improvement
Typical upgrades
- Heat pump
- Windows and doors
- Wall insulation
- Ceiling insulation
- Ventilation
Semi-Detached / End of Terrace
Median works cost
€61,730
Median grant amount
€20,700
Median cost to homeowner
€41,030
Average BER improvement
Typical upgrades
- Heat pump
- Windows and doors
- Wall insulation
- Ceiling insulation
- Ventilation
- Solar panels
Detached
Median works cost
€68,000
Median grant amount
€23,350
Median cost to homeowner
€44,650
Average BER improvement
Typical upgrades
- Heat pump
- Windows and doors
- Wall insulation
- Ceiling insulation
- Ventilation
- Solar panels
Data based upon average costs for 402 private homes completed through the National Home Energy Upgrades Scheme (June 2024). Median is the mid-point of all the upgrade costs, where half of upgrades are less expensive, and half of upgrades are more expensive. For more information on One Stop Shops, visit www.seai.ie/homeenergyupgrades.ie.