loans.com.au Green Home Loan

The Green Home Loan from loans.com.au offers discounted rates for borrowers whose properties have a 7.0 NatHERS rating.

If you're purchasing or building an energy efficient home that gets a 7.0 or higher NatHERS rating, you can get a discounted rate on a Green Home Loan.

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Review by


Richard Whitten is a senior writer at Finder, and has been covering home loans and the property market in Australia for the last 4 years. He has written for Yahoo Finance, Money Magazine and Homely, as well as multiple banks and lenders. Richard has a Certificate IV in Finance and Mortgage Broking, a Bachelor of Education from the University of Sydney and a Graduate Certificate in Communication. He enjoys helping people understand the ins and outs of mortgages so they can make smarter property decisions. Richard trained as a high school teacher but found it easier to manage personal finances than a classroom full of kids. Before joining Finder, he edited textbooks and taught English in South Korea.

Expert review

This home loan has competitive rates, relatively low fees and you can get it with a low deposit. It has rates for construction and purchase too. The big catch, obviously, is that your property needs to satisfy the energy efficiency rating. If it does, then this could be a suitable loan to consider.

About this loan

What are the features and benefits of the loans.com.au Green Home Loan?

  • Deposit size. You can borrow up to 90% of your property's value with this loan.
  • Loan amounts. Borrow up to $1,000,000, with a minimum loan size of $50,000.
  • A green home loan. To qualify for this product your property needs to have at least a 7.0 NatHERS rating. NatHERS, or the Nationwide House Energy Rating Scheme, is a star rating system out of ten for home energy efficiency.
  • Offset sub-account. You can add an offset sub-account to this loan, but doing so means your interest rate will be 0.10% higher.

How to apply

To apply for this home loan or learn more about it, click the green button and follow the steps to speak to a mortgage specialist from loans.com.au. They'll explain any eligibility requirements and help you get started with your application.

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