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
Green Construction Loan
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Discounted 5yr green construction rate++
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Interest only during construction
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No monthly or ongoing fees
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Offset sub-account available after completion
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Unlimited additional repayments after completion
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Access your account via Smart Money app
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.
Need to know more? Here's the whole offer
Repayment Type
Maximum LVR of 90%
Product | Interest rate from | Comparison rate |
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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 |
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Up to 30 years loan term | Yes |
Unlimited additional repayments | Yes |
Application fee | $0 |
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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?
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It's fast & easy to get a loan with loans.com.au
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.
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.
Fast track your loan with onTrack
- Gain 24/7 control of your application
- Get alerts straight to your phone
- Easy to download mobile app
Access at your fingertip
You now have access and complete clarity of your loan application on-the-go with onTrack mobile.
The easy to use mobile app will keep you up-to-date with the progress of your loan anytime, anywhere with alerts straight to your phone. It's now even easier to get your loan approved and settled fast, no matter where you are.
Settle
Your loan will settle, and you’ll enjoy your new loan rate.
onTrack
Fast track your loan with onTrack
- Gain 24/7 control of your application
- Get alerts straight to your phone
- Easy to download mobile app
Access at your fingertip
You now have access and complete clarity of your loan application on-the-go with onTrack mobile.
The easy to use mobile app will keep you up-to-date with the progress of your loan anytime, anywhere with alerts straight to your phone. It's now even easier to get your loan approved and settled fast, no matter where you are.
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.
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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.
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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.
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Lending Specialist
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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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