Green Investor Loan
Get rewarded with a discount to your investment loan rate when you go green for your new investment property.
Get started
Ready to go green? Apply online or chat to a lending specialist. We make the investment loan process easy so you can settle and start saving.
What is a Green Investor Loan?
We’ve listened to our customers, and we understand it’s important to you to have the option to choose a loan which benefits the environment. Our Green Investor Loan is like our regular variable rate investor home loan, but better for you and the environment.
In simple terms, you'll benefit from a discount on your home loan if the home you purchase was built less than 12 months ago and if it complies to a certain environmental standard based on the Nationwide House Energy Rating Scheme (NatHERS).
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 has been built.
To qualify for the discounted loan, your investment property must be less than 12 months old and you must get a NatHERS certificate from an accredited assessor, showing a 7.0 star rating or higher.
Green Investor Loan Rate
Green Investor Loan Rates
Green Investor~~
Up to 90%
5.89%
6.48% comp rate*
5.89%
6.48% comp rate*
Green Investor~~
Principal & Interest
Variable rate p.a.
Comp rate p.a.*
Interest Only
Variable rate p.a.
Comp rate p.a.*
Want to see more home loan options? Compare our home loans
Want to see more home loan options? Compare our home loans
Why choose the Green Investor Loan?
Discounted green
rate
Save yourself thousands in interest while saving the environment with the discounted green investor loan rate.
Offset sub-account available
An offset sub-account with Visa debit card access to your loan is available for you at no added cost to help you pay it off faster and with less interest.
No monthly, annual or ongoing fees
We don’t charge any monthly, annual or ongoing fees, so you can save thousands and focus on what is important to you.
$0
Application fee
As an online lender, we save in overhead costs and pass those savings directly on to you. So, we don't charge you an application fee.
$0
Monthly fees
In addition to our great low rates, we don’t charge you any ongoing fees.
$0
Annual fees
We won’t even sting you with an annual fee!
Our home loan application process
Apply online
Simply fill out your 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.
Goodbye paperwork
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.
Settle & save
Your loan will settle and you'll start saving with your new low rate, and get your keys to your new dream home!
Digital wallets
Add your card to your digital wallet to make contactless payments on your devices.
Pay in store using your iPhone, Apple Watch, iPad and Mac devices. Apple Pay is also the safer and faster way to pay on participating websites and in selected apps because you no longer have to create an account or fill out lengthy forms.
Pay online, in stores, and more using your Google devices, and manage your account wherever you want – on the web or in the app.
Home loan repayment calculator
Use our home loan calculator to estimate what your monthly mortgage repayments could be. Whether you're refinancing or just wanting to understand how much you can afford, all you have to do is enter how the amount you would like to borrow, interest rate, home loan term, payment frequency, and repayment type (either principal & interest or interest-only).
Your estimated repayments are
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Read our storyFrequently asked questions
An example of a NatHERS certificate may be useful when looking at what elements of your home require the Certificate Check. An example report is here.
Australian Building Sustainability Association
Design Matters National
House Energy Raters Association
- 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)
If you have income paid to more than one account you'll need statements for all those accounts. Alternatively, you could provide your most recent Tax Assessment Notice and a letter from your employer that confirms your salary.
If you're self-employed, the paperwork will be slightly different. When you refinance a loan, you'll need to provide evidence of your ability to make repayments, so your lender will request two years of business and personal tax returns and ATO assessments.
To avoid paying Lenders Mortgage Insurance (LMI), borrowers need a 20% deposit in most cases.
Once your loan application has been submitted, you will be given access to our online portal onTrack. In onTrack, we will collect some more information from you and you can track your application. When your loan settles, you will be given your referral code in onTrack.
You can refer as many people as you like!
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