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Solar Home Loan

Start your journey to a more energy efficient home and get rewarded with our great rate.

Multi-award winning

  • awards
  • awards
  • awards

Solar Home Loan

5.49
%
p.a
Rates from~~~
5.95
%
p.a
Comparison rate*
  • Discounted 5yr solar home loan rate~~~
  • Offset sub-account available for +0.10%^
  • No monthly or ongoing fees
  • Fee free redraw on any additional repayments
  • Pay your bills via BPAY
  • Access your account via Smart Money app
Do I Qualify?
Our Google Rating
4.5
515 reviews

Why choose a 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

Save over the life of your solar home loan with access to award winning rates and 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.

Solar Home Loan eligibility

Do I qualify

Real-life customer stories

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Slide 1

Kunal

Meet Kunal, a customer of ours who came to us when it was time to refinance some investment properties with his wife.

  • Kunal is a keen property investor who owns four properties, three of which are investment properties located in the northern suburbs of Melbourne

  • I used comparison websites to find out which lenders have the best rates and products, which turned out to be loans.com.au. Their products are fantastic.

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Slide 1

Emma

Meet Emma, one of our customers who refinanced to us years ago, and recently came back for help with purchasing an investment property.

  • We wanted to buy an investment property. We were already a loans.com.au customer after my sister recommended loans.com.au as an option with lower rates and better processes than the banks.

  • We had a smooth experience staying with loans.com.au, made applying for an investment property very easy.

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What other customers are saying

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

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

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

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

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

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

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

4.5 515 reviews

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.

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 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.
Do I Qualify?
See loan details
Calculator assumptions

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.

Customer Picture

Konnie

Lending Specialist

Ready to talk with a real person about our Solar Home Loan?

Get help from a friendly member of our Australian-based home lending team.

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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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