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Green Construction Loan

Adding energy-efficient or climate-resilient upgrades to your home? Enjoy a greener, cleaner home with a sustainable competitive rate.

Multi-award winning

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Green Construction Loan

5.93
%
p.a
Rates from++
6.19
%
p.a
Comparison rate*
  • Discounted 5yr green construction rate++
  • Interest only during construction
  • No monthly or ongoing fees
  • Offset sub-account available after completion
  • Unlimited additional repayments after completion
  • Access your account via Smart Money app
Our Google Rating
4.5
515 reviews

Why our green construction loan could be the most efficient loan for you

Discounted green rate++

Get rewarded with a discount to your construction loan rate when you go green for your new home.

Interest only period

Pay interest only repayments on your green loan during the construction period so you’ll save more.

Additional repayments

Once construction is complete you have the option to make additional repayments on your green loan.

No ongoing fees

Enjoy no ongoing fees on your green construction loan.

Work out your loan repayments

Use our home loan calculator to estimate what your monthly mortgage repayments could be.

Your loan details

Loan purpose
Loan type
Repayment type
Repayment frequency
Rate type
years
Most Popular

Green Construction

Owner Occupied Interest Only Up to 90% LVR
Get rewarded with a discount to your construction loan rate when you go green for your new home.

Interest rate
5.93 %   p.a.
6.19% p.a.

Estimated repayments#
$309 per month
Loan amount
$50,000
Interest charged
$60,829

Need to know more? Here's the whole offer

Repayment Type

Maximum LVR of 90%

Product Interest rate from Comparison rate
Green Construction 5.93% p.a.++ 6.19% p.a.*
Green Construction Investor 6.44% p.a.++ 6.41% p.a.*
10% deposit minimum Yes
Up to 30 years loan term Yes
Unlimited additional repayments Yes
Application fee $0
Ongoing fees $0
Security assessment fee $230
Government fees At cost
Settlement fee $300
Construction admin fee $120
Construction assessment progress fee $650

Ready to get rewarded when you go green?

Join our other customers

Absolutely brilliant, professional and very informative

What a joy to deal with Liam and Emira from Loans.com. I started applying for my car loan last Thursday and by Tuesday afternoon the car dealer was paid. Liam and Emira were absolutely brilliant, professional and very informative. My mortgage comes off fixed next June and I know where I will be moving to. Thank you for everything.

Carolyn G.
19 Jun 2025

The loan process was really easy and quick

The loan process was really easy and quick. Staff is really friendly and keep you updated. Highly recommended.

Vishal K.
18 Jun 2025

The fastest and easiest process I have ever had in regards to any finance

The fastest and easiest process I have ever had in regards to any finance. From first chat to settlement in 24 hours and constant communication the entire way! Trina is first class! Emira was SENSATIONAL! BEYOND RECOMMEND!

Brian S.
17 Jun 2025

The team was absolutely amazing to deal with

I have dealt with Jessica on a recent new home loan application and Jessica and the team was absolutely amazing to deal with. Super quick and kept with in the loop throughout the process. Second to none customer services!

Simon L.
16 Jun 2025

I could not have asked for a better service

The service and follow up provided by the loans.com.au team was impeccable. I could not have asked for a better service.

Caraman C.
13 Jun 2025

They have exceptional customer service!

I was referred to loans.com.au and now I see why, they have exceptional customer service! I feel so fortunate to have had Rena and Trina handle my application. They were both incredibly friendly, kind, and efficient when it came to processing and approving my application. They genuinely care about helping others and made the entire process smooth and enjoyable.

Rojina R.
12 Jun 2025

I was very impressed with loans.com.au

I was very impressed with loans.com.au pragmatic credit policies and the excellent service I received from Emira and Trina in applying for and settling my car loan. They also have 2 very user friendly apps to help with the process. Very easy to deal with, I would definitely recommend them to anybody wanting a stress free and smooth experience.

Joe F.
12 Jun 2025

Had good experience

Had good experience with Jasmine and Tiffany who supported me along the way from getting a pre-approval quickly, through the purchase and to the settlement. Not to mention competitive rates and borrowing power they provide.

Gleb L.
11 Jun 2025

Had a great experience with loans.com.au

Had a great experience with loans.com.au. Was the best rate/lowest fees I could find and the service was faultless. I won't be going anywhere else for vehicle financing in the future.

John M.
10 Jun 2025

I am tremendously satisfied

I am tremendously satisfied with Sonia and Harriet’s assistance with my loan applications. Loans.com was recommended by a family friend and Sonia portrayed immense knowledge and professionalism when working with me to get the best financial outcome. Sonia has exceptional expertise in her subject matter and was incredibly responsive, and together the team made sure I was able to meet my deadline without any stress. Fantastic experience – will highly recommend Sonia and her team at Loans.com!

Ridhima G.
10 Jun 2025

If I could give 6 stars in this review I would

In all my dealings with loans over the years, Stuart is hands down one of the best I’ve ever come across. His professionalism, responsiveness, and genuine willingness to help sets a new standard. I would absolutely recommend loans.com.au—and especially Stuart—to anyone looking for a hassle-free and professional mortgage experience. If I could give 6 stars in this review I would.

Beau B.
10 Jun 2025

I love to deal with them directly

I am with Loans.com.au since 2014 and I have got multiple loans from new purchases and refinance of IP to OO loans. They have been exceeding my expectation every time. I love to deal with them directly and their lending specialist and support staff are second to none compared to other banks including the big 4. Highly recommend!

Shiva S.
07 Jun 2025

It's fast & easy to get a loan with loans.com.au

1

Apply online

Simply fill out your loan application online by entering some of your details, or chat to one of our friendly lending specialists over the phone and they can complete your application for you.

2

Speak to a specialist

You will then have a phone appointment with one of our lending specialists to finalise your application, and help you progress through the loan approval process through to settlement as quickly as possible.

3

Upload documents (OnTrack)

After your application is complete, use our system we call onTrack on your desktop or device to add your documentation such as payslips and bank statements, and track the progress of your application.

4

Settle

Your loan will settle, and you’ll enjoy your new loan rate.

Frequently asked questions

To qualify, we require a NatHERS certificate by an accredited assessor, showing a 7.0 star rating or higher. Your builder can assist you in getting a NatHERS certificate from accredited assessor with your building plans.

The rates are discounted on your variable rate loan for 5 years from settlement date (up to 0.96%***). You can choose from Principal & Interest or up to 5 years of interest-only repayments.

Yes, the Green Construction Loan can be for extensive green renovations, pending the home meets the NatHERS requirements then we can apply the green construction discount.

The Nationwide House Energy Rating Scheme (NatHERS) is a star rating system (out of ten) that rates the energy efficiency of a home, based on its design. Star ratings are based on information about the home's design, construction materials and the climate where it is being built.

An example of a NatHERS certificate may be useful when looking at what elements of your home require the Certificate Check.

Yes, there may be situations in which you could lost the discount as stated in the terms and conditions in the loan, if there are any material changes to the original loan. This includes but is not limited to change in security, occupancy type, and repayments type.

There are a few documents you'll need to provide in your home loan application. Some of these include:

  • Two (2) most recent consecutive payslips for each applicant
  • Three (3) months bank statements showing regular salary credits, including most recent salary credits with the name of the employer evident
  • Evidence of Salary Sacrifice or Packaging (if applicable)
  • Evidence of Company Vehicle/Car Allowance (if applicable)
  • Six (6) consecutive months of home loan statements showing consistent repayment history (if applicable)

loans.com.au requires a minimum deposit of 10% of the purchase price of the property, or the current value of the property if you are refinancing. To avoid paying Lenders Mortgage Insurance (LMI), borrowers need a 20% deposit in most cases.

The settlement process is different depending on each individual applicant's personal situation, but we generally say it can take anywhere between 4 to 6 weeks. To get to settlement, you'll need to apply, speak to one of our lending specialists, upload your documentation, get the property valued, have your loan approved and the documentation delivered and signed, then you'll settle.

After settlement, you'll nominate on your direct debit form when you start repayments. Our Customer Care team will also confirm your repayment dates when calling you at loan settlement. Additional repayments into a fixed home loan are allowed and are up to $10,000 per year.

We charge a $300 settlement fee plus a security assessment fee. The security assessment fee for a standard property in a metropolitan area in a major city starts at $230 for properties valued up to $1 million. The security assessment fee is not refundable and is payable when the security assessment is ordered.

We sure do! Introduce someone to loans.com.au and we'll reward you when they settle their loan with us!

For home loans, we'll give you a huge $1000 bonus when they settle their home loan with us and your friend will also receive $1000.

For car loans, we'll give you a huge $250 bonus when they settle their car loan with us and your friend will also receive $150 off their settlement fee.

Smart friends

Real Good Rewards

As a loans.com.au customer, if you refer a new customer to us we’ll reward you.

$1,000 New Home Loan Customer
$250 New Car Loan Customer
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A loan to help make your home and budget more sustainable.

Find out of you are eligible for our green construction loan.

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