Eco-friendly and energy-efficient home loans

A green feature or upgrade can affect product choice, valuation, construction timing and the evidence a lender needs.

What John checks first

John checks the property, loan purpose and supporting evidence before treating a green-labelled loan or discounted feature as a genuine fit.

  • Whether the loan is for a purchase, refinance, construction or upgrade
  • The lender's current eligibility standard for the property or improvement
  • Valuation treatment and progress-payment requirements
  • Rate, fees and features compared with a standard home loan
  • Available equity, funds to complete and repayment comfort

Documents that may help

  • Building contract, plans and specifications
  • Quotes for solar, batteries or energy upgrades
  • Energy rating or other lender-requested evidence
  • Current loan statement for a refinance
  • Income, liabilities and funds-to-complete evidence

Important limits

  • A green label does not automatically mean the lowest total cost
  • Eligibility standards and discounts can change
  • Government rebates and lender credit rules are separate
  • Construction and renovation lending can require staged payments and valuations

General information only. Any personal credit assistance requires a review of your objectives, financial situation and needs. Approval remains subject to lender assessment and criteria.