Find out if you qualify

Green Investor Loan

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

  • Low rate investment loan with added benefits
  • Save thousands & make an environmentally conscious choice on your loan for homes less than 12 months old
  • Get a 7.0 star NatHERS rating or higher for up to 1.59% discount*** on your investment loan

Discount Offer - Terms & Conditions

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.

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Talk to a lending specialist

Book a call with one of our experienced lending specialists and they can complete your application for you.

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Ready to apply?

Call 13 10 90 or select “Apply Now” to begin your Green Investor Loan application.

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.

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Green Investor Loan Rates

Product Name

LVR

Principal & Interest Rate p.a.

Interest Only Rate p.a.

Green Investor~~

Up to 90%

2.34%
2.63% comp rate*

2.59%
2.88% comp rate*

LVR

Up to 90%

Principal & Interest Rate

2.34%
2.63% comp rate*

Interest Only Rate

2.59%
2.88% comp rate*


Want to see more home loan options? Compare our home loans

Why choose the Green Investor Loan?

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Discounted green
rate

Save yourself thousands in interest while saving the environment with the discounted green investor loan rate.

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Option to add offset sub-account 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.

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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 Green Investor Loan Process

loans.com.au makes borrowing simple, with the option to look after the environment in the process. Go from application to settlement in a few steps. Here's how.

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Apply online

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Provide your NatHERS certificate

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Goodbye paperwork!

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Settle & save

Reasons to add an offset

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 ongoing or monthly fees
Online, ATM and Visa debit card access to your money
  
Pay less interest on your loan!

Whenever you put money into your offset sub-account, that money is 100% "offset" against your home loan, with Visa debit card access. So, if you had a home loan of $350,000 and $10,000 in your offset sub-account, you only pay interest on the $340,000.

You can even maximise the "offset effect" by arranging for your salary to be paid into your offset sub-account. In this way your money is immediately put to work for you, saving interest!

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Calculate your home loan repayments.



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At loans.com.au, we help people into their dream homes and cars.

For the last 10 years, thousands of Aussies have trusted our experienced & locally based team with some of their biggest financial decisions - buying a home, a new car or refinancing to save on interest.

Our customers trust us to support them with low home loan and car loan rates, approved quickly through our easy-to-use online app.

loans.com.au is completely safe and financially backed by Firstmac, Australia’s 12th largest lender. Firstmac has been operating successfully for more than 40 years, and has $14 billion in mortgages under management, as Australia’s leading non-bank lender.

We are also actively involved in our local community with our loans.com.au Women, Children & Community Program designed to support Australian charities on their mission to raise awareness for important causes.

Read our story

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 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. An example report is here.
The rates are discounted on your variable rate loan for 5 years from settlement date (up to 1.59%***). You can choose from Principal & Interest or up to 5 years of interest-only repayments.
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.
The Green Investor Loan is available for construction loans, or purchase or refinance of properties built in the last 12 months only.
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.
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.
To qualify for the Green Investor 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)
If you are an employee, you'll need to supply a couple of recent consecutive payslips to confirm your income and employment. You will also need to provide up to three months’ worth of bank statements showing your salary paid by your employer and other income. An internet transaction history will generally do.

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.
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.
You can see if you prequalify for your home loan using this link: https://www.loans.com.au/pre-qualify/ Once you have completed this, we can generally get preliminary approval to you within 48 hours.
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.
We charge a $300 settlement fee plus a valuation fee. The valuation fee for a standard property in a metropolitan area in a major city starts at $220 for properties valued up to $1 million. The valuation fee is not refundable and is payable when the valuation is ordered.
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 sure do! Introduce someone to loans.com.au and we'll give you a $450 bonus when they settle their loan with us! They will also get $150 off their settlement fee.

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!

Customer Feedback

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October 13, 2021

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October 05, 2021

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October 01, 2021

Questions? We can help

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Talk to a home loan expert

Our experienced lending specialists can answer any questions you have on the Green Investor Loan or our other investment loans.