13 10 90 Apply

Loan amount:

Do I qualify?

Solar construction loan

Thinking of adding to reduce your energy bill? Our construction loan could help get you there faster.

Multi-award winning

Solar Construction Loan

6.18

p.a

Rates from^~

6.44

p.a

Comparison rate*

Discounted 5yr solar construction rate^~
Interest only during construction period
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

481 reviews

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

Discounted solar rate^~

Get rewarded with a discount to your construction loan rate when you add solar to your home.

Interest only period

Pay interest only repayments on your solar 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 solar loan.

No ongoing fees

Enjoy no ongoing fees on your solar construction loan.

Need to know more? Here's the whole offer

Rates

Interest only	Interest Rate:	Comparison Rate:	Max LVR:
Solar Construction	6.18% p.a.~	6.44% p.a.*	90%
Solar Construction Investor	6.69% p.a.~	6.66% p.a.*	80%

Key Features	10% deposit minimum
	Up to 30 years loan term
	Available for refinance or purchase

Repayments	Frequency	Weekly, monthly or fortnightly
	Estimated repayments	$3,093 per month.^# The monthly repayment estimate is based on a $500,000 loan over 30 years at 6.18% 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

Rates

IO

Solar Construction	Interest Rate: 6.18% p.a.~
	Comp Rate: 6.44% p.a.*
	Max LVR: 90%

Solar Construction Investor	Interest Rate: 6.69% p.a.~
	Comp Rate: 6.66% p.a.*
	Max LVR: 90%

Key Features

10% deposit minimum
Up to 30 years loan term
Available for refinance or purchase

Repayments

Frequency	Weekly, monthly or fortnightly
Estimated repayments	$3,093 per month.^# The monthly repayment estimate is based on a $500,000 loan over 30 years at 6.18% 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

Product Brochure

Download the Key Facts Sheet

2024 WeMoney - Best for Value (Refinance)

2024 Mozo - Expert's Choice for 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 add solar?

Do I Qualify?

"We found that loans.com.au still had a very competitive rate and we were happy with the service"

Laura

Home loan customers

Join our other customers

Good service

“Very good rates and good service„

Jitendra G.

09 Apr 2025

Each experience has been smooth and reliable

“Friendly staff with a highly professional approach to the finance industry. I would highly recommend working with the team at loans.com.au. This is my third time using their services, and each experience has been smooth and reliable.„

Kevin W.

08 Apr 2025

Incredibly helpful throughout the process

“Sharon and Team at loans.com were amazing. She was happy to answer and explain all my questions thoroughly. Every interaction with Sharon and the Team was supportive, willing to listen and provide help when needed. Will definitely recommend Loans.com especially working with Sharon and Lee Li.„

Aman P.

01 Apr 2025

Very helpful, making the process easy

“The staff were very helpful, making the process easy. I was slow at times to respond but they cheerfully dealt with this until I was approved. I am very impressed.„

Kendall H.

01 Apr 2025

Straightforward

“Straightforward, pleasant, very helpful staff.„

Liz M.

30 Mar 2025

Very helpful and understanding

“Tannah was very helpful and understanding. It's been a very smooth process and great communication on their part!„

Billy T.

28 Mar 2025

Very smooth

“Fabulous Team, thank you so much for a very smooth & successful application!„

Maree L.

27 Mar 2025

Lowest interest rates and easy service

“Returning to loans.com.au for lowest interest rates and easy service.„

Kylie H.

14 Mar 2025

Smooth and fast process

“Friendly customer service. Smooth and fast process without any hassle. Had the loan settled within 2 days of providing necessary documents. A big thank you to Cherie and Rena for their kind and prompt assistance„

Surani F.

14 Mar 2025

Great service

“Great people and great service. Went smoothly and swiftly„

Danny K.

02 Mar 2025

Excellent Service & Fast Process!

“I had a fantastic experience with Loans.com.au. Their advisors were friendly, clear, and ensured my application was in top shape before submission, maximizing the chances of approval. I was thrilled that the entire process was completed in just one day, with settlement happening the very next day! Special thanks to Aichi and Liam for their outstanding support. Highly recommend!„

Sai P.

03 Feb 2025

Excellent communication

“Excellent communication that was timely and thoughtful. Thank you to Sharon for her help through this process.„

Bek D.

27 Jan 2025

Our Google rating

4.5 481 reviews

As seen on...

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

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.

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.

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.