The details shown below are for an owner occupier taking out a principal & interest loan between $150,000 and $499,999 with an LVR below 70%
The details shown below are for an owner occupier taking out a principal & interest loan between $500,000 and $699,999 with an LVR below 70%
The details shown below are for an owner occupier taking out a principal & interest loan of at least $700,000 with an LVR below 70%
The details shown below are for an owner occupier taking out a principal & interest loan between $150,000 and $499,999 with an LVR below 90%
The details shown below are for an owner occupier taking out a principal & interest loan between $500,000 and $699,999 with an LVR below 90%
The details shown below are for an owner occupier taking out a principal & interest loan of at least $700,000 with an LVR below 90%
The details shown below are for an owner occupier taking out a principal & interest loan between $150,000 and $499,999 with an LVR below 95%
The details shown below are for an owner occupier taking out a principal & interest loan between $500,000 and $699,999 with an LVR below 95%
The details shown below are for an owner occupier taking out a principal & interest loan of at least $700,000 with an LVR below 95%
The details shown below are for an investor taking out a principal & interest loan between $400,000 and $699,999 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan between $100,000 and $399,999 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan of at least $700,000 with an LVR below 80%
The details shown below are for an investor taking out a interest only loan between $100,000 and $399,999 with an LVR below 80%
The details shown below are for an investor taking out a interest only loan between $400,000 and $699,999 with an LVR below 80%
The details shown below are for an investor taking out a interest only loan of at least $700,000 with an LVR below 80%
Choose the version of this loan that suits you best
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
| | Owner Occupier | Principal & Interest | < 70% | $150,000 | $499,999 |
| | Owner Occupier | Principal & Interest | < 70% | $500,000 | $699,999 |
| | Owner Occupier | Principal & Interest | < 70% | $700,000 | |
| | Owner Occupier | Principal & Interest | 70%-90% | $150,000 | $499,999 |
| | Owner Occupier | Principal & Interest | 70%-90% | $500,000 | $699,999 |
| | Owner Occupier | Principal & Interest | 70%-90% | $700,000 | |
| | Owner Occupier | Principal & Interest | 90%-95% | $150,000 | $499,999 |
| | Owner Occupier | Principal & Interest | 90%-95% | $500,000 | $699,999 |
| | Owner Occupier | Principal & Interest | 90%-95% | $700,000 | |
| | Investor | Principal & Interest | < 80% | $400,000 | $699,999 |
| | Investor | Principal & Interest | < 80% | $100,000 | $399,999 |
| | Investor | Principal & Interest | < 80% | $700,000 | |
| | Investor | Interest Only | < 80% | $100,000 | $399,999 |
| | Investor | Interest Only | < 80% | $400,000 | $699,999 |
| | Investor | Interest Only | < 80% | $700,000 |
Owner Occupier (Principal & Interest)
LVR < 70%
Loan: $150,000 $499,999
Owner Occupier (Principal & Interest)
LVR < 70%
Loan: $500,000 $699,999
Owner Occupier (Principal & Interest)
LVR < 70%
Loan: $700,000
Owner Occupier (Principal & Interest)
LVR 70%-90%
Loan: $150,000 $499,999
Owner Occupier (Principal & Interest)
LVR 70%-90%
Loan: $500,000 $699,999
Owner Occupier (Principal & Interest)
LVR 70%-90%
Loan: $700,000
Owner Occupier (Principal & Interest)
LVR 90%-95%
Loan: $150,000 $499,999
Owner Occupier (Principal & Interest)
LVR 90%-95%
Loan: $500,000 $699,999
Owner Occupier (Principal & Interest)
LVR 90%-95%
Loan: $700,000
Investor (Principal & Interest)
LVR < 80%
Loan: $400,000 $699,999
Investor (Principal & Interest)
LVR < 80%
Loan: $100,000 $399,999
Investor (Principal & Interest)
LVR < 80%
Loan: $700,000
Investor (Interest Only)
LVR < 80%
Loan: $100,000 $399,999
Investor (Interest Only)
LVR < 80%
Loan: $400,000 $699,999
Investor (Interest Only)
LVR < 80%
Loan: $700,000
This 2020 Mozo Experts Choice Award winning green home loan from Bank Australia is a great incentive for anyone looking to buy or build a more environmentally friendly home. If eligible for this home loan, you’ll receive a pretty substantial 0.40% discount on your variable interest rate for the first five years of the loan. And as the Clean Energy Home Loan is pretty much one and the same with Bank Australia’s Premium Home Loan Package, you’ll also benefit from a lot of premium perks.
Variable interest rates for Bank Australia’s Clean Energy Home Loan start from as low as 2.53% (3.16% comparison rate*). You can grab this introductory rate for the first 60 months (five years) of your loan if you’re looking to borrow $500,000 or more. This particular rate comes with a loan to value ratio of 70%, so you will have to have a 30% deposit saved up, but don’t despair if that seems like a lot, you could also benefit from the following low variable rates with an LVR between 70% and 90%:
2.63% (3.26% comparison rate*) for loans from $150,000 to $499,999
2.53% (3.16% comparison rate*) for loans over $500,000
Now of course, to get any of these discounted rates in the first place you will have to meet the criteria of the Clean Energy Home Loan. This particular home loan is designed to encourage Aussies to invest in homes that are kinder to the planet. So to be eligible for the loan, the home you are buying or building will have to be rated 7 stars or higher under the Nationwide House Energy Rating Scheme (NatHERS).
Other perks of this premium home loan package include the ability to make free extra repayments, meaning you could have your loan paid off sooner than you think, a free redraw facility, in case you find yourself short on funds, a Mortgage Offset account and the ability to split your loan into two different accounts. With this last feature you can split your loan and pay one portion with a guaranteed fixed interest rate and the other with a possibly lower variable rate, meaning you really can have the best of both interest rate worlds.
On top of all that you’ll not only have the regular fee on your Everyday Access account or Mortgage Offset account waived, but you could also have the establishment fee on a personal loan waived. And if you’re looking to get a Platinum Rewards Visa Credit Card, you’ll be happy to hear that not only will you have the fee waived, but you’ll also benefit from 0% interest on balance transfers for the first 12 months.
This home loan is good for anyone who wants to make their eco-dreams a reality with a discounted home loan rate. If you’re looking to build or buy a home with any of the following certifications, then this loan might just be the right one for you:
7 plus star rating under the Nationwide House Energy Rating Scheme (NatHERS)
7 stars or more rating with the Residential Efficiency Scorecard (this excludes the impact of installed/installing rooftop solar)
Passive House Certification
Green Star - Design & As Built v1.2 score, 8 points or more on the credit ‘15 Greenhouse Gas Emissions.’
You will have to pay a $350 yearly fee to access all the perks that come with this green home loan. It should also be noted that the discounted interest rate only applies for the first five years of the loan, after which it will revert back to the standard variable rate (which will be dependent on your particular loan amount and LVR).
2.53% p.a.
2.63% p.a.
60 Months
Variable
2.96% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$350.00 yearly
$250.00
$150,000
$499,999
none
70.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
yes
yes - free
$0.00
yes
yes
Property must have NatHERS rating of 7+ stars, or Residential Efficiency Scorecard rating of 7+, or a Passive House Certification, or Green Star 8+ Points.
10% off your general insurance premiums, no annual fee and 0% interest for 12 months on balance transfer on Platinum Rewards VISA credit card
none
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
2.43% p.a.
2.53% p.a.
60 Months
Variable
2.86% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$350.00 yearly
$250.00
$500,000
$699,999
none
70.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
yes
yes - free
$0.00
yes
yes
Property must have NatHERS rating of 7+ stars, or Residential Efficiency Scorecard rating of 7+, or a Passive House Certification, or Green Star 8+ Points.
10% off your general insurance premiums, no annual fee and 0% interest for 12 months on balance transfer on Platinum Rewards VISA credit card
none
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
2.43% p.a.
2.53% p.a.
60 Months
Variable
2.86% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$350.00 yearly
$250.00
$700,000
none
none
70.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
yes
yes - free
$0.00
yes
yes
Property must have NatHERS rating of 7+ stars, or Residential Efficiency Scorecard rating of 7+, or a Passive House Certification, or Green Star 8+ Points.
10% off your general insurance premiums, no annual fee and 0% interest for 12 months on balance transfer on Platinum Rewards VISA credit card
none
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
2.63% p.a.
2.73% p.a.
60 Months
Variable
3.05% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$350.00 yearly
$250.00
$150,000
$499,999
70.00%
90.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
yes
yes - free
$0.00
yes
yes
Property must have NatHERS rating of 7+ stars, or Residential Efficiency Scorecard rating of 7+, or a Passive House Certification, or Green Star 8+ Points.
10% off your general insurance premiums, no annual fee and 0% interest for 12 months on balance transfer on Platinum Rewards VISA credit card
none
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
2.58% p.a.
2.68% p.a.
60 Months
Variable
3.01% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$350.00 yearly
$250.00
$500,000
$699,999
70.00%
90.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
yes
yes - free
$0.00
yes
yes
Property must have NatHERS rating of 7+ stars, or Residential Efficiency Scorecard rating of 7+, or a Passive House Certification, or Green Star 8+ Points.
10% off your general insurance premiums, no annual fee and 0% interest for 12 months on balance transfer on Platinum Rewards VISA credit card
none
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
2.58% p.a.
2.68% p.a.
60 Months
Variable
3.01% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$350.00 yearly
$250.00
$700,000
none
70.00%
90.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
yes
yes - free
$0.00
yes
yes
Property must have NatHERS rating of 7+ stars, or Residential Efficiency Scorecard rating of 7+, or a Passive House Certification, or Green Star 8+ Points.
10% off your general insurance premiums, no annual fee and 0% interest for 12 months on balance transfer on Platinum Rewards VISA credit card
none
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
2.98% p.a.
3.08% p.a.
60 Months
Variable
3.40% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$350.00 yearly
$250.00
$150,000
$499,999
90.00%
95.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
yes
yes - free
$0.00
yes
yes
Property must have NatHERS rating of 7+ stars, or Residential Efficiency Scorecard rating of 7+, or a Passive House Certification, or Green Star 8+ Points.
10% off your general insurance premiums, no annual fee and 0% interest for 12 months on balance transfer on Platinum Rewards VISA credit card
none
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
2.93% p.a.
3.03% p.a.
60 Months
Variable
3.35% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$350.00 yearly
$250.00
$500,000
$699,999
90.00%
95.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
yes
yes - free
$0.00
yes
yes
Property must have NatHERS rating of 7+ stars, or Residential Efficiency Scorecard rating of 7+, or a Passive House Certification, or Green Star 8+ Points.
10% off your general insurance premiums, no annual fee and 0% interest for 12 months on balance transfer on Platinum Rewards VISA credit card
none
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
2.93% p.a.
3.03% p.a.
60 Months
Variable
3.35% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$350.00 yearly
$250.00
$700,000
none
90.00%
95.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
yes
yes - free
$0.00
yes
yes
Property must have NatHERS rating of 7+ stars, or Residential Efficiency Scorecard rating of 7+, or a Passive House Certification, or Green Star 8+ Points.
10% off your general insurance premiums, no annual fee and 0% interest for 12 months on balance transfer on Platinum Rewards VISA credit card
none
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
3.01% p.a.
3.11% p.a.
60 Months
Variable
3.43% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$350.00 yearly
$250.00
$400,000
$699,999
none
80.00%
Investor
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
yes
yes - free
$0.00
yes
yes
Property must have NatHERS rating of 7+ stars, or Residential Efficiency Scorecard rating of 7+, or a Passive House Certification, or Green Star 8+ Points.
10% off your general insurance premiums, no annual fee and 0% interest for 12 months on balance transfer on Platinum Rewards VISA credit card
none
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
3.11% p.a.
3.21% p.a.
60 Months
Variable
3.52% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$350.00 yearly
$250.00
$100,000
$399,999
none
80.00%
Investor
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
yes
yes - free
$0.00
yes
yes
Property must have NatHERS rating of 7+ stars, or Residential Efficiency Scorecard rating of 7+, or a Passive House Certification, or Green Star 8+ Points.
10% off your general insurance premiums, no annual fee and 0% interest for 12 months on balance transfer on Platinum Rewards VISA credit card
none
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
2.91% p.a.
3.01% p.a.
60 Months
Variable
3.33% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$350.00 yearly
$250.00
$700,000
none
none
80.00%
Investor
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
yes
yes - free
$0.00
yes
yes
Property must have NatHERS rating of 7+ stars, or Residential Efficiency Scorecard rating of 7+, or a Passive House Certification, or Green Star 8+ Points.
10% off your general insurance premiums, no annual fee and 0% interest for 12 months on balance transfer on Platinum Rewards VISA credit card
none
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
3.31% p.a.
3.41% p.a.
60 Months
Variable
3.72% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$350.00 yearly
$250.00
$100,000
$399,999
none
80.00%
Investor
Interest Only
Weekly, Fortnightly, Monthly
yes - free
yes
yes - free
$0.00
yes
yes
Property must have NatHERS rating of 7+ stars, or Residential Efficiency Scorecard rating of 7+, or a Passive House Certification, or Green Star 8+ Points.
10% off your general insurance premiums, no annual fee and 0% interest for 12 months on balance transfer on Platinum Rewards VISA credit card
none
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
3.21% p.a.
3.31% p.a.
60 Months
Variable
3.62% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$350.00 yearly
$250.00
$400,000
$699,999
none
80.00%
Investor
Interest Only
Weekly, Fortnightly, Monthly
yes - free
yes
yes - free
$0.00
yes
yes
Property must have NatHERS rating of 7+ stars, or Residential Efficiency Scorecard rating of 7+, or a Passive House Certification, or Green Star 8+ Points.
10% off your general insurance premiums, no annual fee and 0% interest for 12 months on balance transfer on Platinum Rewards VISA credit card
none
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
3.11% p.a.
3.21% p.a.
60 Months
Variable
3.52% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$0.00
n/a
$350.00 yearly
$250.00
$700,000
none
none
80.00%
Investor
Interest Only
Weekly, Fortnightly, Monthly
yes - free
yes
yes - free
$0.00
yes
yes
Property must have NatHERS rating of 7+ stars, or Residential Efficiency Scorecard rating of 7+, or a Passive House Certification, or Green Star 8+ Points.
10% off your general insurance premiums, no annual fee and 0% interest for 12 months on balance transfer on Platinum Rewards VISA credit card
none
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
Bank Australia is a customer owned bank. Formerly bankmecu, Bank Australia has over 130,000 customers which act as shareholders of the bank. It offers a full range of products including home loans, savings, credit cards and loan products, and because its shareholders are its customers, they benefit from lower rate and fees. Bank Australia also invests up to 4% of its profits in various community projects every year.
loans.com.au
Smart Booster Home Loan
1.99% p.a.variable for 12 months and then 2.48% p.a. variable
2.47% p.a.
Bank of Queensland
Fixed Rate
2.09% p.a.
fixed 3 years
3.01% p.a.
loans.com.au
Smart Booster Home Loan
1.99% p.a.variable for 12 months and then 2.48% p.a. variable
2.47% p.a.
loans.com.au
Smart Booster Home Loan
1.99% p.a.variable for 12 months and then 2.48% p.a.
2.47% p.a.
Bank of Queensland
Economy
2.59% p.a.
2.76% p.a.
Bank of Queensland
Fixed Rate
2.09% p.a.
fixed 3 years
3.01% p.a.
loans.com.au
Smart Booster Home Loan
1.99% p.a.variable for 12 months and then 2.48% p.a.
2.47% p.a.
$0.00
Yard
Variable Home Loan Special
2.09% p.a.
2.12% p.a.
$0.00
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
