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Ready to go solar? Simply apply online or chat to a lending specialist and they can do the hard work for you. We make the process easy so you can settle, start the build and start saving money, and the environment, sooner.
What is a Solar Construction Loan?
Building? Save money on construction and household expenses. Our Solar Construction Loan lets you:
- Enjoy a reduced home loan rate,
- Cut your future cost of living, and
- Help the environment
Welcome to our Solar Construction Loan for eligible applicants who install solar. This is a construction loan like no other, offering a generous discounted interest rate with no monthly, annual or ongoing fees.
Solar panels already reduce your energy bills. Now, they can also cut your construction loan repayments too. Simply provide an invoice, quote or contract with solar details to qualify for our Solar Construction Loan.
We make construction real easy.
Solar Construction Loan Rates
Solar Construction Loan Rates
Solar Construction~
Up to 90%
NA
6.43%
6.68% comp rate*
Solar Construction Investor~
Up to 80%
NA
6.94%
7.19% comp rate*
Owner Occupier~
Interest Only
Variable rate p.a.
Comp rate p.a.*
Investor~
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 Solar Construction Loan?
Discounted solar
rate
Save yourself thousands in interest while saving the environment with the discounted solar construction rate.
Interest Only during
construction
Pay interest only repayments during the construction period.
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!
The different phases of a construction loan
Before you apply you'll need:
Finalised purchase
A Licensed builder
Building plans
Building contracts
Builder’s insurance
Once your loan is approved the 6 construction stages are:
Deposit
Slab down
Frame up complete
Lock-up
Fixing
Practical completion
Once construction is about to finish, and before final payment, you’ll need:
A copy of your Occupancy Certificate
A copy of your home building insurance
Signed authorisation, so the builder can fix anything before the final payment is made.
Final payment
Once the final payment has been made we’ll convert your construction loan to a standard variable loan, which will include both a redraw facility and offset-sub account.
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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 $16 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.
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