Power your home and your savings with our solar home loan
Get rewarded with a great rate when you start your energy efficient journey
Solar Home Loan
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Borrow up to 90% LVR at a discounted rate for 5 years~~~ -
Offset sub-account available for +0.10%^
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No transaction fees for redraws
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No monthly or ongoing fees
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.
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Why Aussies Choose Us
Apply anytime, and from anywhere.
Fast tracked pre-approval in minutes.
Smarter lending to get you moving sooner.
Online convenience, local support.
Why choose our Solar Home Loan?
Apply anytime, and from anywhere.
Fast tracked pre-approval in minutes.
Smart lending for energy-savvy buyers
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 |
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Our solar home loan application process
Apply Online
Complete your application through our online platform.
Upload & Track
Submit your documents and monitor your application in real time via our onTrack portal.
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.
Approval & Signing
Review and sign your mortgage documents and loan agreement via onTrack.
Settlement
Your loan settles, which means your funds will be ready.
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.
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.
The solar home loan comes with a variable interest rate, which includes a variable discount applied for the first 5 years from the settlement date. You can switch to a fixed rate at any time during the discount period or after it ends. However, if you choose to switch to a fixed rate during the 5-year discount period, the discount and remaining discount term will no longer apply. If you're considering a switch or want to understand what’s best for your situation, please give us a call.
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!
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.
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