Get started
Ready to go green? Simply apply online or chat to a lending specialist and they can do the hard work for you. We make the process easy so you can settle, start saving money, and the environment, sooner.
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.
Green Home Loan Rate
Green Home Loan Rates
Green Home Loan~~
Up to 90%
5.99%
6.51% comp rate*
6.49% (up to 80%)
6.67% comp rate*
Green Home Loan~~
Principal & Interest
Variable rate p.a.
Comp rate p.a.*
Green Home Loan~~
Interest Only
Variable rate p.a.
Comp rate p.a.*
Want to see more home loan options? Compare our home loans
Want to see more home loan options? Compare our home loans
Why choose the Green Home Loan?
Discounted green
rate
Save yourself thousands in interest while saving the environment with the discounted green home loan rate.
Offset available 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.
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.
$0
Application fee
As an online lender, we save in overhead costs and pass those savings directly on to you. So, we don't charge you an application fee.
$0
Monthly fees
In addition to our great low rates, we don’t charge you any ongoing fees.
$0
Annual fees
We won’t even sting you with an annual fee!
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.
At loans.com.au, we help people into their dream homes and cars.
For the last 10 years, thousands of Aussies have trusted our experienced & locally based team with some of their biggest financial decisions - buying a home, a new car or refinancing to save on interest.
Our customers trust us to support them with low home loan and car loan rates, approved quickly through our easy-to-use online app.
loans.com.au is completely safe and financially backed by Firstmac, Australia’s 12th largest lender. Firstmac has been operating successfully for more than 40 years, and has $16 billion in mortgages under management, as Australia’s leading non-bank lender.
We are also actively involved in our local community with our loans.com.au Women, Children & Community Program designed to support Australian charities on their mission to raise awareness for important causes.
Read our storyFrequently asked questions
An example of a NatHERS certificate may be useful when looking at what elements of your home require the Certificate Check. An example report is here.
Australian Building Sustainability Association
Design Matters National
House Energy Raters Association
- Two (2) most recent consecutive payslips for each applicant
- Three (3) months bank statements showing regular salary credits, including most recent salary credits with the name of the employer evident
- Evidence of Salary Sacrifice or Packaging (if applicable)
- Evidence of Company Vehicle/Car Allowance (if applicable)
- Six (6) consecutive months of home loan statements showing consistent repayment history (if applicable)
If you have income paid to more than one account you'll need statements for all those accounts. Alternatively, you could provide your most recent Tax Assessment Notice and a letter from your employer that confirms your salary.
If you're self-employed, the paperwork will be slightly different. When you refinance a loan, you'll need to provide evidence of your ability to make repayments, so your lender will request two years of business and personal tax returns and ATO assessments.
To avoid paying Lenders Mortgage Insurance (LMI), borrowers need a 20% deposit in most cases.
Once your loan application has been submitted, you will be given access to our online portal onTrack. In onTrack, we will collect some more information from you and you can track your application. When your loan settles, you will be given your referral code in onTrack.
You can refer as many people as you like!
Join our other loans.com.au customers
“Exceptional service! Grateful to Ray for guiding us through the home loan process for our first home. His expertise, responsiveness, and personalised approach made everything smooth. Highly recommend. Thank you Ray and team.„
“Very easy process with a friendly lending manager to guide you through.„
“My experience in getting a loan from Loans.com.au has been great. I think I was also fortunate in getting a highly experienced loan officer Ray Glowacki who was able to evaluate the circumstance and offer me the most suitable product.„
“Ray has been extremely helpful in setting up my refinance, he made the process so easy and was happy to take the time to answer all my questions. Thanks Ray!„
“Ray was an absolute pleasure to work with. His knowledge and years of experience meant he was able to assess our complex situation to find the best outcome for us. Ray thank you so much for your help and support every step of the way!„
“A big thanks to Ray and his team for making this process seamless. Professional advice and communication throughout the process. Professional and less stressful application than with any other we have been involved in before.„
“Great customer service, thanks Ray!„
“Ray was simply amazing! He took on my crazy timing request and helped drive the process to conclusion. Took some of the stress out of purchasing a property!„
“Incredible company that has 10/10 customer service. Quick efficient and friendly!.„
“Ray couldn’t have made the process of refinancing any easier for us. Would highly recommend.„
“Excellent People, Cheap rates, fast process. I had to arrange finance in 2 weeks and they sorted it out. Rena has been extremely helpful.„
“Had full formal approval within 10 days from applying online. Hassle free, transparent and above all else a really competitive interest rate. Thanks all for making an incredibly stressful and high stakes event so seamless. HIGHLY recommend!„