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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

Multi-award winning

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Solar Home Loan

5.49
%
p.a
Rates from~~~
5.95
%
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
Our Google Rating
4.5
490 reviews

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

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

Interest rate
5.49% p.a.
5.95% p.a.

Why choose our Solar Home Loan

Offset available for 0.10%^

Add an offset sub-account with a Visa debit card access to help you to pay off your solar loan sooner.

Zero monthly or ongoing fees

Enjoy a solar rate home loan with no hidden fees or charges.

Unlimited free redraws

Make extra repayments with a redraw at no extra cost and benefit from our low rate loans.

Quick and easy process

Apply online or chat to one of our lending specialists for a quick decision and easy application.

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 5.49% p.a.~~~ 5.95% p.a.*

Maximum LVR of 80%

Product Interest rate from Comparison rate
Solar Home Loan 5.99% p.a.~~~ 6.16% 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

Join our other customers

Excellent service

Excellent service. Easy to complete online with great assistance.

David L.
30 May 2025

Smooth and stress-free

I’m truly grateful to loans.com.au for securing a loan for me with such a great interest rate. From the very beginning, they were professional, responsive, and incredibly helpful throughout the whole process. They made everything smooth and stress-free, and I felt supported every step of the way.

Mostafa M.
29 May 2025

Fantastic to work with

Sharon and Harriet have been fantastic to work with. Their bosses are very lucky to have these two employees. They make the business a pleasure to engage with.

Joel F.
28 May 2025

Helpful and professional

The two ladies I delt were really helpful and professional couldn't be happier with the outcome.

Daniel H.
26 May 2025

Fast approval

Amazing service. Trina went above and beyond to make it an easy and fuss free experience!! Easy online portal to upload documents and fast approval. Our second loan through them and would use again and again!

Danielle T.
21 May 2025

Speed, efficiency, and real human support

Trina’s support made all the difference, and I can’t thank her enough! If you're looking for a loan provider that combines speed, efficiency, and real human support, I highly recommend Loans.com.au.

Michael I.
09 May 2025

Very professional

Very professional, always maintain contact through out the process and quick to respond when calling or emailing. Overall process was quick and easy. Thumbs up 👍 would definitely use them again.

Stewart O.
05 May 2025

Great outcome

Thankyou Tiffany for being so kind, warm, friendly, and helpful to my husband and I. Its people like you that make life's decisions so much easier. We need more people like you and your personality doing the type of service you offer. Thankyou for all your support for a great outcome.

Donna A.
30 Apr 2025

Excellent customer service and support

Thanks to the hard work and commitment of both Emira and Cherie, I felt confident and well-supported at every step. I would highly recommend Loans.com.au to anyone seeking car finance solutions, and I look forward to working with your team again in the future.

Avi I.
29 Apr 2025

Highly recommended

Great to deal with kept us up-to-date every step of the way with the refinancing would highly recommend them.

Bradley P.
28 Apr 2025

Less stressful

Brent is the best lending manager I have ever dealt with. Patient, friendly and knowledgeable. Always willing to help and also provide options to consider so that I don't miss out anything. This made my purchase and refinance of investment property much less stressful

Jason P.
15 Apr 2025

Hassle free

Helen, Sharny and the loans.com.au team have been excellent to work with. Jason and I have never had such good communication with a bank. The whole loans process from start to finish has been hassle free and having the onTrack app makes keeping track of where you are in the process, easy. Would definitely recommend.

Sally C.
14 Apr 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.

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.

Yes, as long as you have a quote to install the solar panels, and you proceed with the installation within 90 days of settlement. 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.

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.

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