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Solar construction loan

Thinking of adding to reduce your energy bill? Our construction loan could help get you there faster.

Multi-award winning

  • awards
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Solar Construction Loan

5.93
%
p.a
Rates from~
6.19
%
p.a
Comparison rate*
  • Discounted 5yr solar construction rate~
  • Interest only during construction period
  • No monthly or ongoing fees
  • Offset sub-account available after completion
  • Unlimited additional repayments after completion
  • Access your account via Smart Money app
Our Google Rating
4.5
515 reviews

Why our solar construction loan could be the most efficient loan for you

Discounted solar rate~

Get rewarded with a discount to your construction loan rate when you add solar to your home.

Interest only period

Pay interest only repayments on your solar 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 solar loan.

No ongoing fees

Enjoy no ongoing fees on your solar construction loan.

Solar Construction calculator

Want to help the planet, and yourself? Solar panels already reduce your energy bills. Now, they can also cut your home loan interest rate and repayments too. Apply for our Solar Home Loan to enjoy a lower interest rate for the first 5 years when you already have solar or will install solar within 90 days of settlement, based on a quote.

Use our calculator to check if you qualify for the Solar Home Loan or Solar Construction Loan.

Dwelling type
Dwelling has gas?
Dwelling has pool?
Number of bedrooms
KW

As shown on your invoice

You may qualify for a solar home loan!

Solar Construction

Owner Occupied Interest Only Up to 90% LVR
Whether you already have solar or plan to add it, get rewarded with a discounted construction loan rate.

Interest rate
5.93% p.a.
6.19% p.a.

Need to know more? Here's the whole offer

Repayment Type

Maximum LVR of 80%

Product Interest rate from Comparison rate
Solar Construction Investor 6.44% p.a.~ 6.41% p.a.*

Maximum LVR of 90%

Product Interest rate from Comparison rate
Solar Construction 5.93% p.a.~ 6.19% p.a.*
10% deposit minimum Yes
Up to 30 years loan term Yes
Available for refinance or purchase Yes
Application fee $0
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 add solar?

Join our other customers

Absolutely brilliant, professional and very informative

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.

Carolyn G.
19 Jun 2025

The loan process was really easy and quick

The loan process was really easy and quick. Staff is really friendly and keep you updated. Highly recommended.

Vishal K.
18 Jun 2025

The fastest and easiest process I have ever had in regards to any finance

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!

Brian S.
17 Jun 2025

The team was absolutely amazing to deal with

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!

Simon L.
16 Jun 2025

I could not have asked for a better service

The service and follow up provided by the loans.com.au team was impeccable. I could not have asked for a better service.

Caraman C.
13 Jun 2025

They have exceptional customer service!

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.

Rojina R.
12 Jun 2025

I was very impressed with loans.com.au

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.

Joe F.
12 Jun 2025

Had good experience

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.

Gleb L.
11 Jun 2025

Had a great experience with loans.com.au

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.

John M.
10 Jun 2025

I am tremendously satisfied

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!

Ridhima G.
10 Jun 2025

If I could give 6 stars in this review I would

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.

Beau B.
10 Jun 2025

I love to deal with them directly

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!

Shiva S.
07 Jun 2025

It's fast & easy to get a loan with loans.com.au

1

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.

2

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.

3

Upload documents (OnTrack)

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.

4

Settle

Your loan will settle, and you’ll enjoy your new loan rate.

Smart friends

Real Good Rewards

As a loans.com.au customer, if you refer a new customer to us we’ll reward you.

$1,000 New Home Loan Customer
$250 New Car Loan Customer
View offer

A loan to help make your home and budget more sustainable.

Find out of you are eligible for our solar construction loan.

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