Building Upgrade Finance (BUF) or Environmental Upgrade Agreements (EUAs) are Govt enabled finance, legislated in Vic, NSW & SA.They allow you to borrow funds to pay for Environmental Upgrades to your property (Commercial and soon to be Residential as well) and repay the loan through your Local Council Rates. Typically you can get a longer term on your loan (minimal repayments), better rate and - best of all - the loan is against the land so if you sell your property, the loan can transfer to the buyer. You get the benefit of reduced bills and if you sell your house, you don't have to pay off the loan. Sounds good right? Well it is, and the Government actively supports this type of lending. Often the projects funded under this mechanism are cash positive from the outset as a result of lower energy bills, low repayments and tenant contributions.