Environmental Upgrade Agreements NSW

Environmental Upgrade Agreements provide owners or managers with access to loans to upgrade a commercial building to maximise the building's energy efficiency.

Application detail:

Applications can be made at any time.

What do you get?

Loan amounts vary on a case-by-case basis.

Who is this for?

Owners or managers of commercial buildings.


An Environmental Upgrade Agreement (EUA) helps businesses with finance in order to upgrade commercial buildings and maximise a building's energy efficiency.

Under an EUA, a lender provides loans for upgrades to commercial buildings to improve the building's energy efficiency, and the local council will collect the repayments for the loan through the rates system. This provides a more secure loan for lenders, who can then offer them at competitive rates and for longer terms.

Loans of up to 15 years are available for works including those that focus on:

  • energy and water efficiency
  • renewable energy
  • reducing greenhouse gas emissions
  • preventing or reducing pollution
  • reducing the use of materials
  • recovery or recycling of materials
  • monitoring environmental performance
  • encouraging alternatives to car travel, such as walking and cycling

As the loan is for longer term, the cost savings as a result of the upgrade can be used to repay the loan.

What are the eligibility criteria?

To be eligible, you must:

  • own the building or have the approval to upgrade the building (the building owner must sign the loan contract)
  • be upgrading a non-strata commercial building

How do you apply?

Find out more about eligibility and how to apply at Environmental Upgrade Agreements.

Contact information