SBCI 3.55% Subsidized Loan + SEAI Grant Stacker

"Zero-Out-of-Pocket" Government Retrofit Loan & Grant Stacker

Think deep retrofitting costs tens of thousands upfront? Stack Ireland's 3.55% low-interest SBCI government loan with up to €35,000 in direct SEAI cash grants. Your monthly fuel savings exceed your loan payment from Month 1.

1. Select Your Energy Upgrades

❄️ Air-to-Water Heat Pump & Unvented Cylinder
Gross: €16,500 · SEAI Grant: €12,500 · Slashes €2,100/yr oil bills
🧱 External Wall Insulation Wrap (100mm EPS)
Gross: €12,000 · SEAI Grant: €8,000 · Eliminates draft & cold bridges
☀️ 4.3 kWp Rooftop Solar PV & 0% VAT
Gross: €4,800 · SEAI Grant: €1,800 · 24c/kWh Clean Export earnings
🏠 300mm Mineral Wool Attic Top-Up
Gross: €3,200 · SEAI Grant: €2,500 · Stops 30% ceiling heat escape
🪟 High-Performance Triple Glazed Windows & Doors
Gross: €9,500 · SEAI Grant: €5,600 · Acoustic & thermal insulation
10 Years (120 Months)
3 Years 5 Years 7 Years 10 Years (Recommended)
Participating Irish Lenders (3.55% Fixed/Variable):
Permanent TSB 3.55% HEULS
AIB 3.55% Green Loan
Bank of Ireland 3.55% EcoLoan
Avant Money 3.55% Subsidized

2. Monthly "Cash-in-Pocket" Equation

Net Monthly Cashflow From Month 1:
+€54 / month
You make a monthly profit from Day 1. Your heating bill cut is larger than your loan repayment!
Gross Upgrade Cost
€36,500
SEAI Cash Grants
-€24,800
Net SBCI 3.55% Loan
€11,700
Monthly Loan Payment
€116 / mo
• Monthly Heating & Fuel Bill Slashed: -€170 / mo
• Monthly SBCI 3.55% Loan Repayment: +€116 / mo
= Net Profit in Homeowner Pocket: +€54 / month
⭐ Book Independent On-Site Survey Onsite Feasibility & Loan Stacker Survey →

How the SBCI 3.55% Home Energy Upgrade Loan Scheme Works

The Strategic Banking Corporation of Ireland (SBCI), in partnership with the Department of the Environment and the European Investment Bank, subsidizes interest rates down to a market-low 3.55% APR for residential energy retrofits that achieve a minimum 20% energy improvement or jump to a B2/A-rating.

Because this loan is unsecured (no remortgaging or legal fees required) and repayments are stretched over 10 years, the monthly reduction in kerosene/gas/electricity bills is almost always larger than the loan payment itself—allowing homeowners to finance a full €35,000+ deep retrofit with zero upfront capital and immediate monthly profit.