Following the RBA's decision to decrease the official cash rate, our variable home and car loan interest rates will be decreased by 0.25% effective from the 4th March 2025. You can access further information on the interest rate decision here
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Solar home loan calculator

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.

Dwelling type
Dwelling has gas?
Dwelling has pool?
Number of bedrooms
KW

As shown on your invoice

You may qualify for a solar home loan!

Solar Home Loan
Owner Occupied • Principal & Interest • Up to 90% LVR
Whether you already have solar or plan to add it, get rewarded with a discounted home loan rate.
Interest rate
5.99% p.a.
6.44% p.a.
Do I Qualify?
See loan details
Calculator assumptions

How to use our property buying costs calculator

Eligibility for the Solar Home Loan depends on a few basic criteria. Simply provide your postcode, dwelling type, gas and pool details, bedroom number and solar system size. It’s that simple.

borrower comparing refinancing options borrower comparing refinancing options

Home loan FAQs

To qualify, simply provide your eligible solar system invoice or quote with your loan application. Real easy.
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 solar panels. You cannot apply for the Solar Home Loan if you don’t have solar and don’t have a quote to install solar.
Start by understanding how much power you need, and when. Do you just need panels for daytime 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. [To learn more, click here]
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. [To learn more, click here]
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.
View FAQs

Other calculators

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Income Tax

Use our calculator to help you estimate the tax you will pay on your employment income for the current tax year.
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Refinance calculator

Thinking about switching your home loan? Calculate the estimated savings you could make by refinancing with us.
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Borrowing power

In a few minutes, understand your borrowing power and what your loan repayments could be with repayment frequency options.
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Stamp duty

Budget & plan ahead with our stamp duty calculator by knowing your upfront loan costs. Calculate how much stamp duty you will have to pay on your new property purchase.

Why choose us?

loans.com.au is an award-winning online lender that is proudly Australian and based in the heart of Brisbane, with offices in other capital cities.

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Super low interest rates

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Experienced, Brisbane-based loan specialists

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Flexible home loans

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Awarded by our industry

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Australian owned and run

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Our Awards

We’re efficient. For the last 10 years, we’ve won awards each year for our innovation, low rate home loans and car loans and extras like our offset sub-account from experts like RateCity, Canstar and WeMoney to name a few.

2024 WeMoney - Best Value for Refinance
2023 WeMoney - Best for Value (Variable)
2024 Mozo - Expert's Choice for Best Green Home Loan
Gold Award - Best Green Home Loan
2022 WeMoney - Outstanding Customer Service

View all awards

Whatever stage of the home loan journey you're at, we can help

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I'm buying my next home

We can approve your application quickly to help you get the keys to your next home as soon as possible, and with our low rates, it's possible for you to own your home sooner.

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I'm refinancing

At loans.com.au, we make it easy for you to start saving thousands on your home loan repayments, as soon as possible. You don't even have to contact your old lender - we can do the hard work for you.

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I'm buying my first home

The friendly lending specialists at loans.com.au are here to help you as much as you need when buying your first home. We can walk you through all your options to find the right loan for you, and we have a number of handy guides and videos available to help with the process.

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I'm building a home

When you're building or doing major renovations, you have a lot on your mind. We can help take the stress out the finance with low rates and an easy online application so you can focus on the build.

Got a question? We can help

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If you need help using our Home Loan Repayment Calculator or are ready to get started on your home loan journey, send us a message via Live Chat and we’ll get back to you instantly.

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Our experienced lending specialists can answer any questions you have on our home loans or the home loan process.

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