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Green Construction Loan

Adding energy-efficient or climate-resilient upgrades to your home? Enjoy a greener, cleaner home with a sustainable low rate.

Multi-award winning

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Green Construction Loan

6.43
%
p.a
Rates from++
6.69
%
p.a
Comparison rate*
  • Discounted 5yr green construction rate++
  • Interest only during construction
  • No monthly or ongoing fees
  • Offset sub-account available after completion
  • Unlimited additional repayments after completion
  • Access your account via Smart Money app
Do I Qualify?
Our Google Rating
4.5
445 reviews

Why our green construction loan could be the most efficient loan for you

Discounted green rate++

Get rewarded with a discount to your construction loan rate when you go green for your new home.

Interest only period

Pay interest only repayments on your green loan during the construction period so you’ll save more.

Additional repayments

Once construction is complete you have the option to make additional repayments on your green loan.

No ongoing fees

Save thousands on interest over the course of your green construction loan and enjoy no ongoing fees.

Work out your loan repayments

Use our home loan calculator to estimate what your monthly mortgage repayments could be.

Your loan details

years
Rate type
Loan purpose
Loan type
Repayment type
Most Popular

Green Construction
Owner Occupied • Interest Only • Up to 90% LVR
Get rewarded with a discount to your construction loan rate when you go green for your new home.
Interest rate
6.43 %   p.a.
6.69% p.a.
Estimated repayment#
$267.92 per month
Total principal paid
$50,000
Total interest paid
$66,702
Do I Qualify?
See loan details
Calculator assumptions

Need to know more? Here's the whole offer

Rates
Interest only Interest Rate: Comparison Rate: Max LVR:
Green Construction 6.43% p.a.++ 6.69% p.a.* 90%
Green Construction Investor 6.94% p.a.++ 6.91% p.a.* 90%
Key Features 10% deposit minimum
Up to 30 years loan term
Unlimited additional repayments
Repayments Frequency Weekly, monthly or fortnightly
Estimated repayments $3,173 per month.# The monthly repayment estimate is based on a $500,000 loan over 30 years at 6.43% p.a. paying interest only.
Fees Application fee $0
Ongoing fees $0
Security assessment fee $230
Government fees At cost
Settlement fee $300
Construction admin fee $120
Construction assessment progress fee $650

IO
Green Construction Interest Rate: 6.43% p.a.++
Comp Rate: 6.69% p.a.*
Max LVR: 90%
Green Construction Investor Interest Rate: 6.94% p.a.++
Comp Rate: 6.91% p.a.*
Max LVR: 90%

10% deposit minimum
Up to 30 years loan term
Unlimited additional repayments

Frequency Weekly, monthly or fortnightly
Estimated repayments $3,173 per month.# The monthly repayment estimate is based on a $500,000 loan over 30 years at 6.43% p.a. paying interest only.

Application fee $0
Ongoing fees $0
Security assessment fee $230
Government fees At cost
Settlement fee $300
Construction admin fee $120
Construction assessment progress fee $650
Product Brochure

Download the Key Facts Sheet

2024 WeMoney - Best for Value (Refinance) 2023 WeMoney - Best Value for Variable 2024 Mozo - Expert's Choice for Green Home Loan Gold Award - Best Green Home Loan 2022 WeMoney - Outstanding Customer Service
Our home loan products are recognised & awarded by the Australian financial industry

Ready to get rewarded when you go green?

Do I Qualify?
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Our Google rating

4.5 445 reviews

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It's fast & easy to get a loan with loans.com.au

1

Apply online

Simply fill out your loan 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.

2

Speak to a specialist

You will then have a phone appointment with one of our lending specialists to finalise your application, and help you progress through the loan approval process through to settlement as quickly as possible.

3

Upload documents (OnTrack)

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.

4

Settle

Your loan will settle and you'll start saving with your new loan rate!

Apply Online
How it works

Frequently asked questions

To qualify, we require a NatHERS certificate by an accredited assessor, showing a 7.0 star rating or higher. Your builder can assist you in getting a NatHERS certificate from accredited assessor with your building plans.

The rates are discounted on your variable rate loan for 5 years from settlement date (up to 0.96%***). You can choose from Principal & Interest or up to 5 years of interest-only repayments.

Yes, the Green Construction Loan can be for extensive green renovations, pending the home meets the NatHERS requirements then we can apply the green construction discount.

The Nationwide House Energy Rating Scheme (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 is being built.

An example of a NatHERS certificate may be useful when looking at what elements of your home require the Certificate Check.

Yes, there may be situations in which you could lost the discount as stated in the terms and conditions in the loan, if there are any material changes to the original loan. This includes but is not limited to change in security, occupancy type, and repayments type.

There are a few documents you'll need to provide in your home loan application. Some of these include:

  • 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)

Related content

What documents do you need for pre-approval?

loans.com.au requires a minimum deposit of 10% of the purchase price of the property, or the current value of the property if you are refinancing.To avoid paying Lenders Mortgage Insurance (LMI), borrowers need a 20% deposit in most cases.

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How much deposit do I need for a home loan?

The settlement process is different depending on each individual applicant's personal situation, but we generally say it can take anywhere between 4 to 6 weeks. To get to settlement, you'll need to apply, speak to one of our lending specialists, upload your documentation, get the property valued, have your loan approved and the documentation delivered and signed, then you'll settle.

Related content

What is Property Settlement?

After settlement, you'll nominate on your direct debit form when you start repayments. Our Customer Care team will also confirm your repayment dates when calling you at loan settlement. Additional repayments into a fixed home loan are allowed and are up to $10,000 per year.

We charge a $300 settlement fee plus a security assessment fee. The security assessment fee for a standard property in a metropolitan area in a major city starts at $230 for properties valued up to $1 million. The security assessment fee is not refundable and is payable when the security assessment is ordered.

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Complete guide to home loan fees

We sure do! Introduce someone to loans.com.au and we'll reward you when they settle their loan with us!

For home loans, we'll give you a huge $1000 bonus when they settle their home loan with us and your friend will also receive $1000.

For car loans, we'll give you a huge $250 bonus when they settle their car loan with us and your friend will also receive $150 off their settlement fee.

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Konnie

Lending Specialist

Real humans based in Brisbane, Australia

As an experienced lending specialist, Konnie and our team can answer all your questions to get you on track and start saving thousands.

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Real Good Rewards

As a loans.com.au customer, if you refer a new customer to us we’ll reward you.

$1,000 New Home Loan Customer
$250 New Car Loan Customer
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A loan to help make your home and budget more sustainable.

Find out of you are eligible for our green construction loan.

Do I Qualify?

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