Solar Home Loan
Whether you already have solar or plan to add it, get rewarded with a discounted home loan rate.
Get started
Want to start saving? 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 help the environment, sooner.
What is a Solar Home Loan?
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.
Got solar panels? Now you can save on even more than just cheap energy bills. Apply for the Solar Home Loan and get a discount on your home loan when you need it most, now.
Want solar panels? Eliminate the hurdle of paying upfront. Add the purchase cost to your mortgage, then cut your energy bill immediately as you pay the purchase off over time.
Use our calculator to check if your solar panels qualify you for the Solar Home Loan.
Solar Home Loan Rate
Solar Home Loan Rates
Solar Home Loan~~~
Up to 90%
5.99%
6.51% comp rate*
6.49% (up to 80%)
6.67% comp rate*
Solar Investor~~~
Up to 90%
6.19%
6.58% comp rate*
6.49%
6.67% comp rate*
Solar Home Loan~~~
Principal & Interest
Discount Variable rate p.a.
Comp rate p.a.*
Solar Home Loan~~~
Interest Only
Discount Variable rate p.a.
Comp rate p.a.*
Solar Investor~~~
Principal & Interest
Discount Variable rate p.a.
Comp rate p.a.*
Solar Investor~~~
Interest Only
Discount 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 Solar Home Loan?
Discounted solar loan
rate
Cut your loan interest payments with a discounted solar home loan rate when you have solar panels.
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
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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.
Solar home loan calculator
Want to help the planet, and yourself? Solar systems already reduce your energy bills. Now, they can potentially 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 have solar panels, whether installed now or later.
Use our calculator to check if you qualify for the Solar Home Loan.
Whether you already have solar or plan to add it, get rewarded with a discounted home loan rate.
Our home loan application process
Apply online
Simply fill out your 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.
Goodbye paperwork
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.
Settle & save
Your loan will settle and you'll start saving with your new low rate, and get your keys to your new dream home!
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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.
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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 storySolar home loan FAQs
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.
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.
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.
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.
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.
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.
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Can a NatHERS certificate help you save on your home loan?
Many Australian homes were built before stricter property energy standards were implemented. This means that by today's standards, millions of Aussie homes have subpar energy performance and waste energy.
What is the NatHERS assessment process?
Before you start building your home, you need to understand the basics of a NatHERS and how your home will be assessed. In this article, we provide a quick rundown of what NatHERS assessments are and what you need to look out for when constructing your new house.
How to build a 10 star home in Australia?
The Nationwide House Energy Rating Scheme (NatHERS) is a star rating system based on the estimated energy use of a home. Constructing a 10-star NatHERS home is a tough task for house architects and builders especially in the harsh Australian climate. Houses must be carefully designed to meet exacting criteria.
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