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Green Home Loan - Owner Occupied

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What is a Green Home Loan?

We’ve listened to our customers, and we understand it’s important to you to have the option to choose a loan which benefits the environment. Our Green Home Loan is like our regular variable rate home loan, but better for you and the environment.

In simple terms, you'll benefit from a discount on your home loan if the home you purchase was built less than 12 months ago and if it complies to a certain environmental standard based on the Nationwide House Energy Rating Scheme (NatHERS).

NatHERS is a star rating system (out of ten) that rates the energy efficiency of a home, based on its design. Star ratings are based on information about the home’s design, construction materials and the climate where it has been built.

To qualify for the discounted loan, your home must be less than 12 months old and you must get a NatHERS certificate from an accredited assessor, showing a 7.0 star rating or higher.

Why choose the Green Home Loan?

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Discounted green
rate

Save yourself thousands in interest while saving the environment with the discounted green home loan rate.

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Option to add offset sub-account for 0.10%^

Add an offset sub-account with Visa debit card access to your loan to help you to pay it off faster and with less interest.

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No monthly, annual or ongoing fees

We don’t charge any monthly, annual or ongoing fees, so you can save thousands and focus on what is important to you.

Green Home Loan Rates

Product Name

LVR

Principal & Interest Rate p.a.

Interest Only Rate p.a.

Green Home Loan~~

Up to 90%

2.63%
3.05% comp rate*

NA

Green Investor~~

Up to 90%

2.89%
3.31% comp rate*

3.14%
3.56% comp rate*

LVR

Up to 90%

Principal & Interest Rate p.a.

2.63%
3.05% comp rate*

Interest Only Rate

NA

LVR

Up to 90%

Principal & Interest Rate

2.89%
3.31% comp rate*

Interest Only Rate

3.14%
3.56% comp rate*


Want to see more home loan options? Compare our home loans

Reasons to add an offset

Add an offset sub-account with Visa debit card access to your loan to help you to pay it off faster and with less interest.

No ongoing or monthly fees
Online, ATM and Visa debit card access to your money
  
Pay less interest on your loan!

Whenever you put money into your offset sub-account, that money is 100% "offset" against your home loan, with Visa debit card access. So, if you had a home loan of $350,000 and $10,000 in your offset sub-account, you only pay interest on the $340,000.

You can even maximise the "offset effect" by arranging for your salary to be paid into your offset sub-account. In this way your money is immediately put to work for you, saving interest!

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Digital wallets

Add your card to your digital wallet to make contactless payments on your devices.

Pay in store using your iPhone, Apple Watch, iPad and Mac devices. Apple Pay is also the safer and faster way to pay on participating websites and in selected apps because you no longer have to create an account or fill out lengthy forms.

Pay online, in stores, and more using your Google devices, and manage your account wherever you want – on the web or in the app.


Home loan repayment calculator

Use our home loan calculator to estimate what your monthly mortgage repayments could be. Whether you're refinancing or just wanting to understand how much you can afford, all you have to do is enter how the amount you would like to borrow, interest rate, home loan term, payment frequency, and repayment type (either principal & interest or interest-only).

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years
years
Estimated savings from repayments graph

Your estimated repayments are

$72.43
$20,000
$6,076

Calculator assumptions

Our Green Home Loan Process

loans.com.au makes borrowing simple, with the option to look after the environment in the process. Go from application to settlement in a few steps. Here's how.

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Apply online

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Provide your NatHERS certificate

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Goodbye paperwork!

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Settle & save

$0

Application fee

$0

Monthly fees

$0

Annual fees

Who is loans.com.au?

loans.com.au is a proudly Australian, award-winning online lender based in Brisbane.

Since we were founded in 2011, we have grown to become an industry leader with thousands of happy customers in every state and territory. We are powered by the strength of Firstmac, Australia’s leading non-bank lender. Firstmac has been operating successfully for over four decades and it has more than $13 billion in mortgages under management. Firstmac and loans.com.au are also Premier Sponsors of NRL team the Brisbane Broncos.

 

Reasons to choose us

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Award winning

By revolutionising the loan application process and our market-leading rates, we keep on winning awards for our products, innovations and customer service, year after year!

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Hassle-free

In less than a minute, find out if you pre-qualify for a home loan and apply online.

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Great Value

We don’t have a branch network to maintain or mortgage brokers to pay, so fewer overheads mean those savings translate directly into lower interest rates and fees for our customers.

Secure

Secure

We employ industry-leading technology to keep your information safe. All data sent and received is protected by 256 bit SSL encryption and a firewall mechanism to ensure confidentiality.

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Our awards

As one of Australia’s first online lenders, we move fast and continue to develop our technology and loans to make sure it’s meeting what our customers actually want, whether it’s making improvements to our apps, processes, rates or even providing more environmentally friendly loans.

Because of this, we’ve won awards each consecutive year since 2011 for our innovation, low rate home loans and car loans and extras like our offset sub-account from experts like RateCity, Canstar and Mozo to name a few.

See all our awards

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Features, rates & fees brochure

Get all the information you need on different loan features, rates & fees in this easy-to-read loans guide.

From streamlined packages to fully-featured loans, you will find the low-rate home loan to suit your lifestyle.

We're the home of smart money

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We're the home of smart money

We're the home of smart money

loans.com.au is an Australian owned, multi award-winning online lender. We have earned our track record with low interest rates and flexible finance products. Since 2011 loans.com.au has been able to meet the needs of tens of thousands of customers around Australia; people just like you. We continue to innovate to stay ahead of the competition and give our customers the best of what new technology can bring to money management.