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Power your home and your savings with our solar home loan

Get rewarded with a great rate when you start your energy efficient journey

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Award-winning loans

Solar Home Loan

5.24
%
p.a
Rates from~~~
5.70
%
p.a
Comparison rate*
  • Borrow up to 90% LVR at a discounted rate for 5 years~~~
  • Offset sub-account available for +0.10%^
  • No transaction fees for redraws
  • No monthly or ongoing fees
Do I Qualify?
Our Google Rating
4.5
561 reviews

Whether you already have solar or plan to add it to your home, chat through the process with our Australian-based home lending specialists to find out about our discounted home loan rate.

With our solar home loan, you’ll be benefit from our competitive rates, unlimited redraws with same-day access, the flexibility of an offset sub-account which can potentially speed up your repayments without any fees.

 

Explore more

Why Aussies Choose Us

Apply anytime, and from anywhere. image

Apply anytime, and from anywhere.

Fast tracked pre-approval in minutes. image

Fast tracked pre-approval in minutes.

Smarter lending to get you moving sooner. image

Smarter lending to get you moving sooner.

Online convenience, local support. image

Online convenience, local support.

Solar home loan 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.

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 Home Loan
Borrow up to 90% LVR at a discounted rate for 5 years~~~
Whether you already have solar or plan to add it, get rewarded with a discounted home loan rate.
Interest rate
5.24% p.a.
5.70% p.a.
Do I Qualify?
See loan details
Calculator assumptions

Why choose our Solar Home Loan?

Apply anytime, and from anywhere. image

Apply anytime, and from anywhere.

Fast tracked pre-approval in minutes. image

Fast tracked pre-approval in minutes.

Smart lending for energy-savvy buyers image

Smart lending for energy-savvy buyers

Online convenience, local support. image

Online convenience, local support.

A solar home loan that saves you more

Here’s your new offer

Repayment Type

Maximum LVR of 90%

Product Interest rate from Comparison rate
Solar Home Loan 5.24% p.a.~~~ 5.70% p.a.*

Maximum LVR of 80%

Product Interest rate from Comparison rate
Solar Home Loan 5.74% p.a.~~~ 5.91% p.a.*
Up to 30 years loan term Yes
Available for refinance or purchase Yes
Unlimited additional repayments Yes
Yes
Application fee $0
Ongoing fees $0
Security assessment fee $230##
Government fees At cost
Settlement fee $300

Solar Home Loan eligibility

Do I Qualify?

Real PeopleReal StoriesReal Wins

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Leon

Verified review

Leon

Verified review

Meet Leon, a fantastic customer of ours who came to us when he wanted to purchase a new home after a period of renting.

  • Leon had previously owned property, but after a separation, he moved into rental accommodation. Once the separation was finalised, he was ready to get back into the property market and purchase a new home for himself.

  • With experience in buying and selling real estate, Leon knew what to expect and understood the importance of finding a competitive loan rate. He had previously used loans.com.au for another home loan, and based on that positive experience, he came back when it was time to finance his new home.

Read story

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

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

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

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

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

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

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

Our Google rating

4.5 561 reviews

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Our solar home loan application process

1
Apply Online

Apply Online

Complete your application through our online platform.

Apply Online
2
Upload & Track

Upload & Track

Submit your documents and monitor your application in real time via our onTrack portal.

3
Speak to our Specialist

Speak to our Specialist

Our lending specialists will make an appointment with you to guide you through the loan process, including getting a pre-approval.

4
Approval & Signing

Approval & Signing

Review and sign your mortgage documents and loan agreement via onTrack.

5
Settlement

Settlement

Your loan settles, which means your funds will be ready.

6
Manage Your Loan

Manage Your Loan

You'll receive your login details to manage your repayments and account details via our Smart Money app.

Frequently asked questions

To qualify, simply provide a copy of your solar installation invoice or your quote for your solar installation (with solar to be installed within 90 days of the settlement of your loan). The solar system must meet a minimum Kw size per our solar calculator.

Yes, as long as you have a quote to install the solar panels and proceed with the installation within 90 days of settlement. The solar system must meet a minimum Kw size per our solar calculator. We will require evidence of your new solar system size once installed to ensure you remain eligible for the solar home loan discount.

The size of system you need depends largely on your daily power needs, property type, roof space, bedroom number and whether you have a pool. The more you have, the larger the solar system you need to generate sufficient power. Find a quality solar retailer and installer to help you consider all the available technology.

The rates are discounted on your variable rate loan for 5 years from settlement date. You can choose from principal & interest or up to 5 years of interest-only repayments.

Start by understanding how much power you need, and when. Do you just need panels for day time supply, or will you also need a battery for power at night too? When choosing your solar system, it pays to do research. It also helps to get multiple quotes for comparison and to read product reviews before making your decision.

Many factors affect how much your household will save on power bills, including your regular energy consumption and the size of your solar system, your feed-in tariff, usage patterns and how much sunshine you get based on where you live. The cost of your solar system will also affect the period it will take for your system to pay for itself.

An offset sub-account is linked to your home loan and helps reduce the interest you pay. Instead of earning interest like a regular savings account, the balance in your offset reduces the portion of your loan that accrues interest. This can help you pay off your loan faster and save on interest costs.

Key things to know:

  • It's a sub-account of your loan, not a separate deposit account.
  • Funds in the offset sub-account are not covered by the government deposit guarantee.
  • The offset cannot exceed your home loan balance.

If you have any questions, our friendly team is here to help!

Customer Picture

Sarah

Lending Specialist

Real humans based in Brisbane, Australia

As an experienced lending specialist, Sarah and our team can answer all your questions to get you on track.

Ready to start saving?

You'll be taken to the pre-qualify page where we get you into seeing if you’re eligible for a loan.

Do I Qualify?

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