In a bold step toward democratizing clean energy, Helios, a Southeast Asia–based climate-tech startup, has launched a solar mortgage program in the Philippines—giving homeowners an easier path to invest in renewable power.
Through a partnership with BPI and Security Bank, the program allows Filipinos to roll solar installation costs directly into their home loans, covering amounts from ₱400,000 up to ₱10 million. This means that rather than shouldering a hefty upfront expense, households can spread payments over the lifespan of their mortgage, making the shift to solar energy far more practical and affordable.
A New Financing Model for Energy Independence
For decades, one of the biggest barriers to solar adoption has been cost. While solar panels eventually save money, the initial installation can run into hundreds of thousands—too steep for many families. Helios’ model tackles this problem head-on.
“This is about removing the entry barrier,” said a Helios spokesperson. “By integrating solar costs into a home loan, we’re helping homeowners invest in sustainability without disrupting their financial stability.”
The program also comes at a critical time. With electricity rates in the Philippines among the highest in Asia, homeowners are looking for alternatives that not only cut bills but also reduce reliance on fossil fuels.
Banking on a Green Future
The collaboration with two of the country’s biggest banks underscores a shift in how financial institutions view sustainability. Both BPI and Security Bank have been steadily expanding their “green finance” portfolios, offering products that align with climate goals and customer demand for eco-conscious living.
Industry analysts note that this type of financing could also drive demand for solar contractors, installers, and manufacturers, creating a ripple effect of jobs and innovation in the renewable sector.
Part of a Bigger Climate Push
Helios’ entry into the Philippine market mirrors a broader trend in Southeast Asia, where governments and private players are racing to meet climate targets. The Philippines, highly vulnerable to typhoons and rising sea levels, has been under pressure to accelerate its renewable energy agenda.
By making solar more attainable, Helios hopes to help push adoption beyond elite enclaves and into mainstream households—the true test of a green transition.
“Every rooftop counts,” the company emphasized. “The more homes we power with solar, the closer we get to a future where clean energy is not just an option but the standard.”
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