Green Home Loans Australia 2026
Lower rates for energy-efficient properties. Compare green home loans from 100+ Australian lenders — NatHERS-rated builds, solar, batteries and EV-ready homes, plus green renovation top-ups.
7 products found
| Type | LVR | Est. Repayment | ||||
|---|---|---|---|---|---|---|
Green Plus Home Loan Gateway Bank |
Owner Occ. Variable
|
5.6%p.a. | 5.89%p.a. | ≤80% |
$2,870/moon $500,000, 30yr
|
|
Clean Energy Home Loan - Owner Occupied P&I (New build LVR ≤90%) Bank Australia |
Owner Occ. Variable
|
5.63%p.a. | 5.96%p.a. | ≤90% |
$2,880/moon $500,000, 30yr
|
|
|
Clean Energy Home Loan - Investment P&I (New Build LVR ≤90%) Bank Australia |
Investment Variable
|
5.79%p.a. | 6.09%p.a. | ≤90% |
$2,931/moon $500,000, 30yr
|
|
|
Clean Energy Home Loan - Owner Occupied P&I 3 Year Fixed (New Build LVR ≤90%) Bank Australia |
Owner Occ. Fixed
|
6.09%p.a. | 6.13%p.a. | ≤90% |
$3,027/moon $500,000, 30yr
|
|
|
Green Home Loan - Owner Occupied Gateway Bank |
Owner Occ. Variable
|
5.85%p.a. | 6.14%p.a. | ≤80% |
$2,950/moon $500,000, 30yr
|
|
|
Investor Green Plus Home Loan Gateway Bank |
Investment Variable
|
5.93%p.a. | 6.21%p.a. | — |
$2,975/moon $500,000, 30yr
|
|
|
Clean Energy Home Loan - Investment P&I 3 Year Fixed (New Build LVR ≤90%) Bank Australia |
Investment Fixed
|
6.14%p.a. | 6.22%p.a. | ≤90% |
$3,043/moon $500,000, 30yr
|
Green Plus Home Loan
Gateway Bank
Interest Rate
5.6%
Comparison
5.89%
Est. $2,870/mo on $500,000 over 30yr
Clean Energy Home Loan - Owner Occupied P&I (New build LVR ≤90%)
Bank Australia
Interest Rate
5.63%
Comparison
5.96%
Est. $2,880/mo on $500,000 over 30yr
Clean Energy Home Loan - Investment P&I (New Build LVR ≤90%)
Bank Australia
Interest Rate
5.79%
Comparison
6.09%
Est. $2,931/mo on $500,000 over 30yr
Clean Energy Home Loan - Owner Occupied P&I 3 Year Fixed (New Build LVR ≤90%)
Bank Australia
Interest Rate
6.09%
Comparison
6.13%
Est. $3,027/mo on $500,000 over 30yr
Green Home Loan - Owner Occupied
Gateway Bank
Interest Rate
5.85%
Comparison
6.14%
Est. $2,950/mo on $500,000 over 30yr
Investor Green Plus Home Loan
Gateway Bank
Interest Rate
5.93%
Comparison
6.21%
Est. $2,975/mo on $500,000 over 30yr
Clean Energy Home Loan - Investment P&I 3 Year Fixed (New Build LVR ≤90%)
Bank Australia
Interest Rate
6.14%
Comparison
6.22%
Est. $3,043/mo on $500,000 over 30yr
TL;DR — What You Need to Know
- Green home loans offer concessional interest rates — typically 0.2–0.5% below equivalent standard variable products — for properties that meet energy-efficiency thresholds.
- Common eligibility triggers: NatHERS star rating of 6 or 7+, solar panels, battery storage, EV charger installation, or NABERS rating for apartments.
- Green renovation loans are also available — you don't need to buy or build a new property. Upgrading your existing home with solar, insulation, or batteries can qualify.
- Lenders in this space include Bendigo Bank, Bank Australia, Gateway Bank, and NAB. The market is growing but still considerably smaller than mainstream lending.
- The rate saving on a $700,000 loan at 0.3% discount is approximately $2,100/year — the financial case is real, not just aspirational.
- State and federal government incentives for solar and battery installations can work alongside green loans to strengthen the overall financial picture.
Green Home Loans — Lower Rates for Energy-Efficient Properties
Green home loans reward you for building, buying, or upgrading to an energy-efficient home — with interest rates that run 0.2–0.5% below comparable standard variable loans. LoanGorilla compares green and sustainable home loans from 100+ Australian lenders, with rates starting from 5.60% p.a. (Gateway Bank Green Plus, max LVR 80%). With the RBA cash rate at 4.35% (effective 6 May 2026) and energy costs still elevated, a green home loan that saves you money on both your mortgage and your power bill is worth taking seriously.
Compare green home loan rates — free, no credit score impact.
Compare NowWhat Is a Green Home Loan?
A green home loan is a mortgage that offers preferential interest rates or terms to borrowers whose property meets specified environmental or energy-efficiency standards. The premise: a more energy-efficient home is a more resilient asset, and a borrower with lower ongoing energy costs is a lower credit risk. Lenders who believe this thesis offer a rate discount to signal it.
In Australia, eligibility is typically assessed against one or more of the following:
NatHERS star rating
The Nationwide House Energy Rating Scheme measures residential energy efficiency from 0–10 stars. Most green loans require ≥6 stars; premium products target 7+. New homes built after 1 May 2024 must achieve 7 stars under the NCC — so new builds increasingly qualify by default.
Solar panels
Grid-connected solar PV systems, typically with a minimum capacity (e.g., 3kW or 5kW depending on the lender).
Battery storage
Home battery systems (Tesla Powerwall, Sungrow, BYD Battery-Box, and equivalents).
EV charger
A dedicated electric vehicle charging point installed at the property.
NABERS rating
The National Australian Built Environment Rating System — primarily used for apartments and commercial buildings. Applies to green loans for apartment purchases.
Sustainable build certification
Some lenders recognise Green Star, Passive House, or similar third-party certification as eligibility criteria.
The property needs to meet the criteria at the time of loan application — you can't apply for the green rate based on future renovation intentions.
Eligibility Criteria: What Actually Qualifies?
New builds
A home currently under construction or newly completed with a NatHERS rating of 7 stars or above will typically qualify for most green loan products. Builders should be able to provide your NatHERS certificate — ask for it during the specification process, not after handover. For construction loans that convert to a standard mortgage at completion, some lenders offer the green rate at conversion. Others require the rating certificate before application.
Existing homes
This is where it gets more selective. Most lenders require documented evidence of efficiency features:
- Solar installation certificate and system specifications
- Battery installation documentation
- EV charger installation certificate
- Where a NatHERS rating is required: a formal assessment from an accredited NatHERS assessor (cost: typically $200–$500)
Not every lender will issue a green loan for an existing home without a full NatHERS assessment. Bank Australia's Clean Energy Home Loan is among the more accessible products — eligible for existing homes with solar or batteries, without requiring a full NatHERS rating.
Apartments
NABERS ratings are the relevant metric for apartment buildings. A NABERS rating of 4.5 stars or above is typically required for green loan eligibility. This applies to the building as a whole, not individual apartments — so individual buyers are dependent on the developer or body corporate having pursued NABERS certification.
Green Loans for Renovations
You don't need to buy a new property to access green finance. A growing number of lenders offer green top-up loans or renovation finance specifically for sustainability upgrades to existing homes. Eligible upgrades typically include:
- Solar panel installation (3kW–10kW residential systems)
- Home battery storage (Tesla Powerwall, Sungrow, BYD Battery-Box, and others)
- Insulation upgrades (ceiling, wall, underfloor)
- Double or triple-glazed window replacement
- Heat pump hot water systems
- EV charger installation
Watch the blended rate
Some products — including Bank Australia's Clean Energy loan — let you add a green top-up to your existing home loan to fund upgrades. The green rate may only apply to the additional borrowing, not the entire existing balance. Compare the blended rate across your total debt to assess the actual saving.
The Financial Case: Green Premium vs Rate Saving vs Energy Saving
Let's look at this from a numbers perspective — because the marketing around green homes can get aspirational. Here are the real figures.
The green rate saving
A standard variable rate for a $700,000 loan at LVR 80% is approximately 5.34% p.a. A green home loan rate: from 5.60% p.a. The relevant comparison is not against the absolute cheapest loan on the market — it's against a loan with comparable features (offset, redraw, etc.) at a similar LVR from mainstream lenders. On that basis, green loans typically run 0.2–0.5% below equivalent products from the same tier of lenders.
Rate saving on $700,000 at 0.3% discount: $700,000 × 0.003 = $2,100/year.
The construction premium for a high-efficiency home
A 7-star NatHERS home typically costs $20,000–$40,000 more to build than a standard 6-star equivalent, depending on design and climate zone. Passive house design can cost $50,000–$100,000 more; simple upgrades like better insulation and glazing might add only $10,000.
Break-even on rate saving alone (assuming $30,000 build premium and $2,100/year saving): $30,000 ÷ $2,100 = ~14.3 years. That's a long payback period from interest in isolation. But layered on top:
Energy cost savings
A 7-star home in a warm climate may save $1,500–$3,000+ per year vs a 4-star home. In extreme climates (QLD, SA), the saving can be higher.
State government rebates
Vic Solar Homes, NSW Empowering Homes loans, and QLD battery incentives can reduce upfront costs by $1,000–$5,000 depending on the program.
Combined picture
Rate saving + energy savings + rebates can make the financial case compelling — often payback under 7–10 years on total cost; shorter in high-energy-use climates.
Major Lenders Offering Green Products
| Lender / Product | Rate from | Eligibility | Notes |
|---|---|---|---|
| Gateway Bank — Green Plus | 5.60% p.a. (comp. 5.89%) | NatHERS ≥7, max LVR 80% | Offset, redraw, extra repayments. Premium product for new high-efficiency builds. |
| Bank Australia — Clean Energy | ~5.70% p.a. | Existing homes with solar/battery/EV charger; new builds NatHERS ≥7 | Offset, redraw, green top-ups available. B Corp certified. |
| Bendigo Bank — Green Home Loan | ~5.75% p.a. | Energy-efficient new builds and renos; NatHERS typically required | Broad regional network — useful outside major capitals. |
| NAB — Green Building Finance | By application | NatHERS & NABERS-certified buildings | Often used for larger or commercial-scale projects; ask for residential applications with strong credentials. |
Lender green products change frequently. Not all are available at every LVR, property type, or state. LoanGorilla confirms current eligibility before you apply.
Green Home Loans + EV: The Full Sustainable Finance Package
Some borrowers are building a fully sustainable financial picture: solar home, battery storage, EV in the garage. Green home loans sit at the centre of this — but several lenders also offer discounted green car loans for EVs and PHEVs, typically 0.5–1.5% below standard car loan rates.
A combined strategy — green home loan for the property, green car loan for the vehicle — can generate meaningful ongoing savings across both assets. Some lenders (including Bank Australia) offer both. Having the same lender is not required, but it can simplify applications for borrowers who qualify for both.
Compare green vs standard rates — run the numbers.
See what 0.3% or 0.5% saves annually and over the full loan term on your specific loan amount.
Government Incentives for Sustainable Homes
Green loans work best when combined with available government incentive programs. Key programs active in 2026:
Federal
- Small-Scale Renewable Energy Scheme (SRES): Solar PV and hot water systems generate STCs that reduce upfront installation cost. Winds down progressively to 2030.
- Home Energy Upgrades Fund: Federal funding for home energy upgrades — check current eligibility via DCCEEW.
State programs (sample)
- VIC: Solar Homes — up to $1,400 for solar PV; up to $2,950 for battery storage (eligible households).
- NSW: Empowering Homes — interest-free loans for solar and battery systems.
- QLD: Battery Booster — up to $4,000 for battery installation.
- SA: Home Battery Scheme — subsidised loans and grants for battery storage.
State programs change frequently. Check the relevant state government energy department website for current programs.
Ready to Compare Green Home Loans?
If your property qualifies — or you're planning to build or upgrade to something that will — the rate saving on a green home loan is real and compounding. LoanGorilla compares green home loans alongside the full market so you can see the actual difference.
Compare green home loans from 100+ lenders — free, no credit score impact.
Compare NowCredit information
LoanGorilla is a credit assistance provider. Information on this page is general in nature and does not constitute financial or credit advice. Consider whether any home loan product is appropriate for your circumstances. We recommend seeking independent financial and legal advice before making borrowing decisions.
Comparison rate warning
Comparison rates are based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different loan amounts, loan terms or fees may result in a different comparison rate. Rates are subject to change without notice.
Reviewed by LoanGorilla editorial team / Last updated: May 2026
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FAQs — Green Home Loans
Rates shown are subject to change. Comparison rates are based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different loan amounts, terms or fees may result in a different comparison rate. Rates are subject to change without notice.