Green Home Loan

The Green Home Loan from 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 money editor at Finder, and has been covering home loans, property and personal finance for 6+ years. He has written for Yahoo Finance, Money Magazine and Homely; and has appeared on various radio shows nationwide. He holds a Certificate IV in mortgage broking and finance (RG 206) and a Tier 1 Generic Knowledge certification (RG 146).

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 Green Home Loan?

  • Deposit size. You can borrow up to 90% of your property's value with this loan.
  • Loan amounts. Borrow up to $2,000,000, with a minimum loan size of $50,000.
  • A green home loan. To qualify for this product your property needs to have been built in the last 12 months and 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 for no extra charge.

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 They'll explain any eligibility requirements and help you get started with your application.

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    Default Gravatar
    January 29, 2023

    Would you loan on a house and land package for an investment property in regional QLD with a 10% deposit and LMI?

      February 4, 2023

      Hi Jason,

      As long as you meet the other eligibility requirements you may be able to get a loan through It is best to speak to the lender directly so they can take into account your full circumstances. You could also consider talking to a mortgage broker who could go through all of your options.

      Kind regards,

    Default Gravatar
    November 23, 2022

    what min deposit for a $500,000 home loan. first time homeowner

      December 21, 2022

      Hi Dave,

      For a first home buyer, requires a minimum deposit of 10% of the purchase price of the property as long as you are taking out Lenders Mortgage Insurance.

      Without LMI, borrowers would need at least a 20% deposit.


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