Find the Support That Fits Your Upgrade
A heat pump quote may include federal certificate discounts and other support for eligible upgrades. Start with your address, existing heater and proposed model, then confirm which incentives apply and the amount you would pay. This guide helps you check the official schemes and compare quotes without counting a discount twice.
Start with your address
Find the current scheme and participating provider.
Check the right model
Confirm product, property and application requirements.
Compare the final price
Ask for each incentive and the remaining amount in writing.
Heat Pump Rebates and Discounts: Where to Start
These programme checks are dated 14 October 2026. Start with the official scheme for your address, then ask a participating provider to confirm the model, eligibility and amount in your quote.
| Scheme or location | Type of support | Your next check |
|---|---|---|
| Federal STCs | A purchase discount can be available when certificate rights for an eligible air-source heat pump are assigned to a registered agent. | Clean Energy Regulator: eligible systems and STCs. Check the exact model and the discount already included. |
| Victoria: Solar Homes | 50% of the product price after other discounts, capped at $1,000 or $1,400 for eligible locally made products. | Solar Victoria: hot water rebate. Household, property, retailer and product conditions apply. |
| Victoria: VEU | A separate provider-arranged discount for eligible hot water upgrades. | Victoria: hot water discounts. Confirm the existing heater, approved product and provider requirements. |
| New South Wales | The Energy Savings Scheme offers an upfront installation discount for eligible upgrades. | NSW: hot water upgrade incentive. The amount and final cost vary with the system, provider and work required. |
| South Australia | REPS providers can offer eligible energy-saving hot water activities. | South Australia: energy saving rebates. Ask which activity and offer are available for your property. |
| ACT | Home Energy Support includes heat-pump upgrades for eligible concession-card homeowners; a separate loan scheme also covers heat pumps. | ACT: Home Energy Support and ACT: Sustainable Household Scheme. Distinguish a rebate from repayable finance. |
For Queensland, Western Australia, Tasmania and the Northern Territory, use the Australian Government rebates and assistance finder and follow the relevant administrator's current terms. Federal STCs are a separate starting point across Australia. This table lists selected programmes, not every local, retailer or targeted offer.
Check the Rules That Apply to Your Home
Victoria: two programmes with different rules
Solar Homes has an owner-occupier hot water rebate. Under its usual eligibility rules, the owners' combined taxable income must be below $150,000 a year. The July 2026 income-cap change replaced the older $210,000 threshold; special exemptions can apply. Use the current hot water page to check property value, previous rebates, the existing heater, retailer and product eligibility.
VEU is a separate programme and includes eligible private rental properties. Ask the provider which discount applies and how it will appear in the quote.
NSW: check the provider and your postcode
The NSW hot water upgrade incentive currently gives indicative discounts of up to $640 for replacing an electric water heater with a heat pump, or $330 for replacing a gas heater. Your actual offer depends on the provider, model and installation. A separate NSW postcode-based hot water offer may provide larger discounts in selected areas, subject to its current terms and funding. Check your postcode with the administrator.
South Australia: ask about the available activity
REPS offers vary between providers. You do not have to be the retailer's energy customer to access its activities. Ask about your existing heater, the proposed model, any priority-group rules and the remaining amount payable.
ACT: separate the rebate and the loan
Home Energy Support has concession-card, owner-occupier, property and workshop requirements. Its non-solar upgrade category includes hot water heat pumps, with a 50% rebate capped at $2,500 across eligible upgrades in that category. Check any allowance already used. The Sustainable Household Scheme offers repayable low-interest finance; different terms apply to eligible Home Energy Support participants. Read the scheme and lender terms before considering finance.
Other locations and closed schemes
Check the assistance finder for your location rather than relying on an old state comparison. For example, Tasmania's Energy Saver Loan Scheme closed to new applications on 1 September 2025. That closure does not establish that every form of assistance is unavailable.
Compare the Amount You Pay and the Cost to Run It
Put the full installation quote beside the confirmed incentives. A larger discount does not by itself mean a lower final price or a better system for your home.
| Compare | Ask for | Why it helps |
|---|---|---|
| Equipment and installation | Exact model, installation work, old-system removal, plumbing/electrical changes and exclusions. | Quotes can include different work even when the tank capacity looks similar. |
| Incentives and payment | Each discount, whether it is already applied, who receives it and when the remaining amount is payable. | An upfront discount and a later reimbursement affect your budget differently. |
| Running and ongoing costs | An estimate based on your household use, local conditions, energy plan and model, plus care and warranty terms. | Upfront assistance alone does not establish an annual saving or payback period. |
Heat pumps can use less energy than conventional electric resistance hot water systems. Your bills depend on the model, hot water demand, climate, heating schedule and tariff. The Australian Government hot water overview and Australian Energy Regulator tariff guide are useful starting points. Compare a documented household estimate with your actual bills; keep any gas charges that would remain in the comparison.
For installation-price examples and a fuller quote checklist, see our Heat Pump Cost Guide.
Renting, Investment Properties and Previous Rebates
Your living arrangement and rebate history can change which programme applies. Ask the administrator or participating provider about:
- Who must own or occupy the property and who submits the application.
- Permission for the work if you rent, share ownership or live in a strata property.
- The existing heater and any previous incentive at the address.
- The exact model and whether the retailer or installer participates in the scheme.
- Any income, concession-card, property or funding requirements.
Programmes have different property rules. Victoria's Solar Homes hot water rebate ordinarily requires owner-occupation, while VEU hot water discounts include eligible private rentals. ACT Home Energy Support also has owner-occupier requirements. Avoid treating the eligibility rules for one scheme as a national answer.
Send identity or income documents only through the administrator's or provider's stated application process. Keep your quote and written eligibility confirmation with the installation records.
Plan the Application Before You Book
Check the chosen scheme's order of steps early, especially if your current heater needs urgent replacement.
- Confirm the programme, property and product requirements with the administrator or participating provider.
- Get an itemised quote showing incentives, exclusions and the remaining amount to pay.
- Complete the required eligibility checks, approvals and certificate paperwork at the right stage.
- Agree the installation date, any interruption to hot water and the handover documents.
- Keep the invoice, claim confirmation, operating instructions and warranty information.
For an ordinary Solar Homes installation, follow Solar Victoria's approval and QR-code process before work starts. Its emergency-replacement process is different and still requires proof of eligibility. Under NSW's Energy Savings Scheme, the nomination form must be completed before installation; it does not reimburse work already completed.
Ask who handles each application and payment, and what happens if a proposed discount is not approved. Processing times vary; agree the schedule with the provider rather than relying on a fixed number of days in a guide.
Combine Eligible Support Without Counting It Twice
Ask for each incentive to be named separately in the quote, with the calculation order and any conditions. Some support can be combined, but a headline total is not proof that your job qualifies for every component.
- Check whether the STC discount is already included in the advertised price.
- Confirm the eligibility rules for each additional programme independently.
- Ask which amount is an upfront discount and which may be paid later.
- Keep loan repayments, interest and any fees separate from rebate savings.
Solar Victoria calculates its hot water rebate after other discounts. If the quote includes a VEU or STC discount, do not subtract that amount a second time. A solar-panel or battery offer has its own equipment and eligibility rules; it does not establish the assistance available for your hot water upgrade.
Get a Quote That Makes the Upgrade Clear
Give each provider the same brief: your address, existing heater, household hot water routine, proposed location and any access or removal work. Ask them to explain why the suggested model suits the home.
Before you choose, compare:
- Model, storage and recovery information for your busiest hot water period.
- The complete installation scope and anything charged separately.
- Written incentive confirmation and the final amount payable.
- Warranty, local support, care requirements and handover documents.
- Relevant trade licences and insurance for the work.
Ask the provider about scheme participation as well as trade credentials; an ABN check does not establish either. The Wombat checks supplier ABNs. Confirm relevant licences, insurance and incentive participation directly before hiring.
Choose the proposal that fits your household and explains the work clearly. This guide does not establish a best booking month, cash discount, supplier margin or guaranteed negotiation saving.
Sources and Checks
Programme information was checked on 14 October 2026. Official scheme links appear alongside the relevant sections; confirm current availability and the full terms with the administrator before applying. The national assistance finder is a starting point, not the programme administrator.
- Federal STCs and eligible hot water systems
- Solar Victoria hot water rebate
- Victorian Energy Upgrades hot water discounts
- NSW hot water upgrade incentive
- NSW postcode-based hot water offer
- South Australian energy saving rebates
- ACT Home Energy Support
- ACT Sustainable Household Scheme
- Tasmanian Energy Saver Loan Scheme closure
- Australian Government rebates and assistance finder
- Australian Government hot water overview
- Australian Energy Regulator electricity tariffs