Following the RBA's decision to decrease the official cash rate, our variable interest rates for existing customers will decrease by 0.25% effective from the 3rd June 2025.
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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

5.74
%
p.a
Rates from~~~
6.19
%
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
481 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
5.74% p.a.
6.19% 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 5.74% p.a.~~~ 6.19% p.a.*

Maximum LVR of 80%

Product Interest rate from Comparison rate
Solar Home Loan 6.24% p.a.~~~ 6.41% 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

Good service

Very good rates and good service

Jitendra G.
09 Apr 2025

Each experience has been smooth and reliable

Friendly staff with a highly professional approach to the finance industry. I would highly recommend working with the team at loans.com.au. This is my third time using their services, and each experience has been smooth and reliable.

Kevin W.
08 Apr 2025

Very helpful, making the process easy

The staff were very helpful, making the process easy. I was slow at times to respond but they cheerfully dealt with this until I was approved. I am very impressed.

Kendall H.
01 Apr 2025

Incredibly helpful throughout the process

Sharon and Team at loans.com were amazing. She was happy to answer and explain all my questions thoroughly. Every interaction with Sharon and the Team was supportive, willing to listen and provide help when needed. Will definitely recommend Loans.com especially working with Sharon and Lee Li.

Aman P.
01 Apr 2025

Straightforward

Straightforward, pleasant, very helpful staff.

Liz M.
30 Mar 2025

Very helpful and understanding

Tannah was very helpful and understanding. It's been a very smooth process and great communication on their part!

Billy T.
28 Mar 2025

Very smooth

Fabulous Team, thank you so much for a very smooth & successful application!

Maree L.
27 Mar 2025

Smooth and fast process

Friendly customer service. Smooth and fast process without any hassle. Had the loan settled within 2 days of providing necessary documents. A big thank you to Cherie and Rena for their kind and prompt assistance

Surani F.
14 Mar 2025

Lowest interest rates and easy service

Returning to loans.com.au for lowest interest rates and easy service.

Kylie H.
14 Mar 2025

Great service

Great people and great service. Went smoothly and swiftly

Danny K.
02 Mar 2025

Excellent Service & Fast Process!

I had a fantastic experience with Loans.com.au. Their advisors were friendly, clear, and ensured my application was in top shape before submission, maximizing the chances of approval. I was thrilled that the entire process was completed in just one day, with settlement happening the very next day! Special thanks to Aichi and Liam for their outstanding support. Highly recommend!

Sai P.
03 Feb 2025

Excellent communication

Excellent communication that was timely and thoughtful. Thank you to Sharon for her help through this process.

Bek D.
27 Jan 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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Just in case we lose you, may I ask for your contact details....



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