Green home loans
Get rewarded with a discount to your home loan rate when you go green for your new home.
Multi-award winning
Green Home Loan
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Borrow up to 90% LVR at a discounted rate for 5 years~~
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Offset sub-account available for only +0.10%^
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No monthly or ongoing fees
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No transaction fees for redraws

Chat with our friendly, Australian-based home loan specialists who’ll provide you with personal support when you need it.
Our green home loan rewards energy-efficient living with a lower interest rate. You’ll benefit from our competitive rates, unlimited redraws with same-day access, the flexibility of an offset sub-account which can potentially speed up your repayments, and the freedom to make extra repayments without any fees.
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Why Aussies Choose Us

Apply anytime, and from anywhere.

Fast tracked pre-approval in minutes.

Smarter lending to get you moving sooner.

Online convenience, local support.
Why choose our Green Home Loan?
Discounted green rate~~
Support the environment and enjoy a discounted rate on your green home loan.
Offset available for 0.10%^
Add an offset sub-account with Visa debit card access to your loan to help you to pay it off faster and with less interest.
No monthly or ongoing fees
We don’t charge any monthly, annual or ongoing fees, so you can focus on what is important to you.
Unlimited free redraws
Get rewarded for going green with your home loan where you can make extra repayments with a redraw at no extra cost.
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 Home Loan | 5.49% p.a.~~ | 5.95% p.a.* |
Maximum LVR of 80%
Product | Interest rate from | Comparison rate |
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Green Home Loan | 5.99% p.a.~~ | 6.16% p.a.* |
Up to 30 years loan term | Yes |
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Available for refinance or purchase | Yes |
Unlimited additional repayments | Yes |
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Yes |
Application fee | $0 |
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Ongoing fees | $0 |
Security assessment fee | $230 |
Government fees | At cost |
Settlement fee | $300 |
Ready to get rewarded when you go green?
Real-life customer stories


nikki
Meet Nikki, a fantastic customer of ours who came to us when it was time to buy a bigger home.
My wife and I have a son and we are looking to potentially expand our family with another child, so we needed a bigger house.
We wanted to work out a deal with the person buying our old home, the person selling to us, and, of course, ensure that the finance arrangements would support that. loans.com.au played a large role managing the finance side of things and ensuring that no bridging finance was required.
Join our other customers
“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.„
“The loan process was really easy and quick. Staff is really friendly and keep you updated. Highly recommended.„
“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!„
“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!„
“The service and follow up provided by the loans.com.au team was impeccable. I could not have asked for a better service.„
“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.„
“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.„
“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.„
“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.„
“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!„
“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.„
“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!„
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Our green home loan application process
Apply Online
Complete your application through our online platform.
Upload & Track
Submit your documents, including your NatHERS certificate and monitor your application in real time via our onTrack portal.
Speak to our Specialist
Our lending specialists will make an appointment with you to guide you through the loan process, including getting a pre-approval.
Approval & Signing
Review and sign your mortgage documents and loan agreement via onTrack.
Settlement
Your loan settles, which means your funds will be ready.
Manage Your Loan
You'll receive your login details to manage your repayments and account details via our Smart Money app.
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. You need to talk to an accredited assessor to get a NatHERS certificate. Only homes built in last 12 months qualify.
The rates are discounted on your variable rate loan for 5 years from settlement date (up to 0.74%*). You can choose from Principal & Interest or up to 5 years of interest-only repayments.
The Green Home Loan is available for construction loans, or purchase or refinance of properties built in the last 12 months only.
If you don't have the original certificate, then you may be able to get a copy from the builder to see if they have a record. Alternatively, you can request an accredited assessor to see if they can assess the property for certification.
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.
An example of a NatHERS certificate may be useful when looking at what elements of your home require the Certificate Check.
To qualify for the Green Home Loan interest rate discount you must use a NatHERS Accredited Assessor to conduct your house energy rating. Accreditation ensures they have completed the relevant training to provide a reliable energy rating for your home. To find a NatHERS Accredited Assessor, you, your builder or architect can contact one of the three Assessor Accrediting Organisations (AAOs):
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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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.
Konnie
Lending Specialist
Real humans based in Brisbane, Australia
As an experienced lending specialist, Konnie and our team can answer all your questions to get you on track.
Smart friends
Real Good Rewards
As a loans.com.au customer, if you refer a new customer to us we’ll reward you.
Ready to start saving?
You'll be taken to the pre-qualify page where we get you into seeing if you’re eligible for a loan.
Green Home Loan Articles
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A green home is a house designed to be environmentally friendly. A typical green home has energy-efficient features like solar panels, rainwater tanks, and greywater recycling to name a few.
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If you’re interested in downsizing your house, but not quite sure how to go about it, you’ve come to the right place! Read on to learn more about what it means to downsize your home.