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Solar home loan

Start your journey to a more energy efficient home and get rewarded with our great rate.
Multi-award winning
awards awards awards

Solar Home Loan

5.99
%
p.a
Rates from~~~
6.51
%
p.a
Comparison rate*
Discounted solar home loan rate
Offset sub-account available for +0.10%^
No monthly or ongoing fees
Free redraw on any additional repayments
Pay your bills via BPAY
Access your account via Smart Money app
Our Google Rating
4.5
453 reviews

Why choose a Solar Home Loan?

Offset available for 0.10%^

Add an offset sub-account with a Visa debit card access to help you to pay off your solar loan sooner.

Zero monthly or ongoing fees

Save over the life of your solar home loan with access to award winning rates and no hidden fees or charges.

Unlimited free redraws

Make extra repayments with a redraw at no extra cost and benefit from our low rate loans.

Quick and easy process

Apply online or chat to one of our lending specialists for a quick decision and easy application.

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.
6.51% p.a.

A solar home loan that saves you more.

Here’s your new offer

Rates

Principal & interest

Interest Rate:

5.99% p.a.~~~

Comparison Rate:

6.51% p.a.*

Max LVR:

90%

Interest only

Interest Rate:

6.49% p.a.~~~

Comparison Rate:

6.67% p.a.*

Max LVR:

80%

Key Features

Up to 30 years loan term

Available for refinance or purchase

Unlimited additional repayments

Repayments

Frequency

Weekly, monthly or fortnightly

Estimated repayments

$2,995 per month#

The monthly repayment estimate is based on a $500,000 loan over 30 years at 5.99% p.a. paying principal and interest.

View Home Loan Calculator

Fees

Application fee

$0

Ongoing fees

$0

Security assessment fee

$230

Government fees

At cost

Settlement fee

$300

P&I

Interest Rate:

Comp Rate:

Max LVR:

5.99% p.a.~~~

6.51% p.a.*

90%

IO

Interest Rate:

Comp Rate:

Max LVR:

6.49% p.a.~~~

6.67% p.a.*

80%

Up to 30 years loan term

Available for refinance or purchase

Unlimited additional repayments

Frequency

Weekly, monthly or fortnightly

Estimated repayments

$2,995% per month#

The monthly repayment estimate is based on a $500,000 loan over 30 years at 5.99% p.a. paying principal and interest.

View car loan calculator

Application fee

$0

Ongoing fees

$0

Security assessment fee

$230

Government fees

At cost

Settlement fee

$300

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

Solar Home Loan eligibility

Join our other customers

Super grateful to the team

Super grateful to Emira and the team. Great, timely feedback mechanisms with clear guidance on processes. They went all out to support us throughout the application - much appreciated!

Shane M.
11 Nov 2024

5 Star rating!

Highly recommended using them to my friends and family and to all reading the reviews. To all the team outstanding and thankyou for your help.

Lee P.
28 Oct 2024

Very helpful to solve my problems

I am very happy with the simple products that loans.com.au. Sharon was the lending manager who assisted me through the application. Sharon was very helpful to solve my problems and get the loan approved.

Alan X.
15 Oct 2024

Quick and painless experience

Really quick and painless experience getting a loan approved for my new car. Matt was great, professional demeanor, friendly and eager to help.

Commander C.
15 Oct 2024

I felt understood and valued

Ai Chi Hinh is an outstanding professional who genuinely cares for her clients. Her ability to listen and her problem-solving skills are truly commendable. I am grateful for her support and expertise during a challenging time.

Heather E.
10 Oct 2024

Could not recommend them enough

Kimberley was wonderful, very informative, and patient. Communication was on point and all-around professional and friendly throughout the process.

Jillian G.
14 Sep 2024

Got what I needed very quickly

Great rates, easy to use, simple process. Got what I needed very quickly

Lachlan J.
12 Sep 2024

I highly recommend this lender

I switched my home loan from a big bank to Loans.com.au and was pleasantly surprised by their competitive rates and sleek web banking platform.

Alex A.
02 Sep 2024

More than exceptional

My experience with loans.com.au was more than exceptional. Ray was nothing short of amazing throughout this process. I highly recommend loans.com.au!

Matthew P.
23 Aug 2024

Very professional and polite

This is a very good organization. Less than a week turnaround, and they were very professional and polite. I recommend this business.

Drew D.
19 Aug 2024

Easy application process

By far the best lender I've ever dealt with. Sooooo much better than any of the big 4. Easy application process and great customer service.

Lisa S.
16 Aug 2024

Highly recommended

It is great experience working with Sonia from Loans.com.au. She is very knowledge, good communicator, follow up and responds quickly which helped to get the approval in few days exceeding my expectation.

Rajesh M.
29 Jul 2024

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 & save

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

Frequently asked questions

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.

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.

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.

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.

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.

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.

Smart friends

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
View offer

Ready to start saving?

You'll be taken to the pre-qualify page where we get you into seeing if you’re eligible for a loan.

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