Get started

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.


Talk to a lending specialist

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


Ready to apply?

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

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

Product Name


Principal & Interest Rate p.a.

Interest Only Rate p.a.

Solar Construction~

Up to 90%


6.68% comp rate*

Solar Construction Investor~

Up to 80%


7.19% comp rate*

Owner Occupier~
Interest Only


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 Solar Construction Loan?


Discounted solar

Save yourself thousands in interest while saving the environment with the discounted solar construction rate.


Interest Only during

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.


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.


Monthly fees

In addition to our great low rates, we don’t charge you any ongoing fees.


Annual fees

We won’t even sting you with an annual fee!

Smart friends

Real Good Rewards

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

$1,000 New Home Loan Customer
$250 New Car Loan Customer
Learn more

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:

1 phase-icons


2 phase-icons

Slab down

3 phase-icons

Frame up complete

4 phase-icons


5 phase-icons


6 phase-icons

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.

Solar home loan calculator

Want to help the planet, and yourself? Solar systems already reduce your energy bills. Now, they can potentially 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 have solar panels, whether installed now or later.

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

You qualify for our solar home loan!

Get Australia's lowest rate construction loan discount when you go solar.

discount variable p.a.~
comp rate p.a.*
Up to 1.49% discount*** on your variable rate construction loan
Interest Only during construction
No monthly, annual or ongoing fees

Our construction process



Simply fill out your home 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.



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.

Speak to specialist

Speak to specialist

You will then have an appointment with one of our lending specialists to organise your preliminary approval of your loan, and help you progress through the home loan approval process through to settlement as quickly as possible.

Signing document

Signing document

Check onTrack to received your final approval, mortgage documents and loan agreement. You must sign these and return them in to onTrack.



Your loan will settle and you’ll start saving with your new loan rate, and get your keys to your new dream home!

Access your account

Access your account

Once settlement is complete, we will send your login credentials to start managing your payments in the Smart Money app.

Fund construction

Fund construction

Now we start to pay for each stage as it is completed. As each stage is finished, we arrange a progressive inspection and then, if everything is in order, we pay the builder directly. The stages of the construction loan are listed below.

  1. Deposit - Paid to the builder to commence work

  2. Base - Concrete slab complete or footings and base brickwork complete

  3. Frame - House frame complete and approved by inspector

  4. Lockup - Windows/doors, roofing, brickwork, insulation

  5. Fixing - Plaster, kitchen cupboards, appliances, bathroom, toilet, laundry fittings/tiling, heating, fixing/internal doors, etc., plumbing, electrical, painting

  6. Practical completion - Fencing, site clean-up, final payment to builder

award-winning-img mt-5 mt-md-0

At, 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. is completely safe and financially backed by Firstmac, Australia’s 12th largest lender. Firstmac has been operating successfully for more than 40 years as Australia’s leading non-bank lender.

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

Read our story

Join Our Other Customers

Very helpful with clear communication and quick responses

Ray and Jordan at have helped us to acquire the mortgage in a short time. They are very helpful with clear communication and quick responses. Definitely recommend anyone give them a go!

Vincent L.
08 May 2024

Exceptional service!

Exceptional service! Grateful to Ray for guiding us through the home loan process for our first home. His expertise, responsiveness, and personalised approach made everything smooth. Highly recommend. Thank you Ray and team.

Mary H.
18 Mar 2024

Very easy process

Very easy process with a friendly lending manager to guide you through.

Helen D.
25 Feb 2024

A big thanks to

My experience in getting a loan from has been great. I think I was also fortunate in getting a highly experienced loan officer Ray Glowacki who was able to evaluate the circumstance and offer me the most suitable product.

31 Jan 2024

Extremely helpful

Ray has been extremely helpful in setting up my refinance, he made the process so easy and was happy to take the time to answer all my questions. Thanks Ray!

Tamara W.
17 Jan 2024


Ray was an absolute pleasure to work with. His knowledge and years of experience meant he was able to assess our complex situation to find the best outcome for us. Ray thank you so much for your help and support every step of the way!

Samantha S.
16 Dec 2023

Professional and less stressful application

A big thanks to Ray and his team for making this process seamless. Professional advice and communication throughout the process. Professional and less stressful application than with any other we have been involved in before.

Gareth W.
12 Dec 2023

Great customer service!

Great customer service, thanks Ray!

Chris W.
19 Nov 2023

Simply amazing!

Ray was simply amazing! He took on my crazy timing request and helped drive the process to conclusion. Took some of the stress out of purchasing a property!

Clive G.
14 Nov 2023

Quick efficient and friendly!

Incredible company that has 10/10 customer service. Quick efficient and friendly!.

Gdenma G.
21 Sep 2023

Would highly recommend

Ray couldn’t have made the process of refinancing any easier for us. Would highly recommend.

Scott B.
21 Aug 2023

Excellent People, Cheap rates, fast process

Excellent People, Cheap rates, fast process. I had to arrange finance in 2 weeks and they sorted it out. Rena has been extremely helpful.

Sam S.
26 Jul 2023

Questions? We can help


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Send us a message via Live Chat and we’ll get back to you instantly.


Talk to a home loan expert

Our friendly and experienced lending specialists can answer any questions you have on the Solar Construction Loan or any of our loans.

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