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):

Australian Building Sustainability Association

Design Matters National

House Energy Raters Association

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.

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