Green Home Loan Rates, August 2026
Discounted home loans for energy-efficient and solar-equipped homes across Australian lenders, sorted by comparison rate. Green loans reward a lower-emission home with a margin off the standard rate. Refreshed daily.
RBA cash rate 4.35%(effective 12 Aug 2026)|Rates updated |5,892 products|54 Australian lenders
Editor's Pick · Ratesniffers Editorial Team
Top Home Loan Rates in August 2026
Reviewed by the Ratesniffers Editorial Team, August 2026
The sharpest green and clean-energy home loan rates. These suit buyers of energy-efficient homes or owners adding solar, where a lender rewards the lower-emission property with a rate discount. Refreshed daily, no commercial filtering.
Type
Lender & product
Rate p.a.
Comp. rate p.a.*
Max LVR
Variable rate
Bank AustraliaClean Energy Home Loan Renovate (Construction)
5.95%
5.99%
90%
Fixed rate
Bank AustraliaClean Energy Home Loan Fixed
6.19%
6.23%
—
Clean Energy New Build <=90% LVR Owner Occupied P&I
Owner-occupierIntroP&IOffsetRedrawExtra repayments
Interest
5.88%p.a.
Comparison*
—
Monthly repayment
$2,959
LVR ≤90%
ECO Home Loan
Owner-occupierVariableP&IRedrawExtra repayments
Interest
5.94%p.a.
56d ago
Comparison*
6.00%p.a.
Monthly repayment
$2,978
LVR —
Basic Green Home Loan (Construction)
Owner-occupierVariableP&IRedraw
Interest
6.04%p.a.
Comparison*
6.08%p.a.
Monthly repayment
$3,011
LVR ≤70%
Green Plus Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
5.85%p.a.
51d ago
Comparison*
6.14%p.a.
Monthly repayment
$2,950
LVR —
AFG Home Loans - Bright
Evergreen Non-Resident Owner Occupied 75% - 80% LVR <$1m P&I
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
7.33%p.a.
Comparison*
—
Monthly repayment
$3,438
LVR 75–80%
*Important Information and Comparison Rate 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 based on a loan of $150,000 over a term of 25 years.
The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.
What is a green home loan?
A green home loan gives you a discounted rate when your home meets an energy-efficiency standard or you add solar, batteries or efficient heating. As of 22 August 2026, the lowest green home loan rate Ratesniffers tracks is 5.95% p.a. The discount is usually a small margin off a lender's standard rate, worth having if you qualify but still worth comparing.
Which lenders offer green home loans?
As of 22 August 2026, the lenders with a green or clean-energy home loan on the Ratesniffers panel are Bank Australia, Summerland Bank, Great Southern Bank, Gateway Bank, AFG Home Loans - Bright. Customer-owned and mutual banks lead this category. The table above shows current green rates ranked by comparison rate.
How do I qualify for the green discount?
Lenders test it differently, but the common paths are a minimum energy rating on a new build (such as a NatHERS star rating), having or installing solar and battery systems, or using the loan to fund specific efficiency upgrades. Some lenders apply the discount automatically to eligible new homes; others want evidence such as a rating certificate or invoices for the eco works before the discounted rate applies.
Which lenders lead on green lending?
The standout specialist is Bank Australia, the customer-owned bank behind the "clean money" idea: its responsible banking policy rules out lending to fossil fuels, and its Clean Energy Home Loan discounts the rate for energy-efficient homes. Several mainstream lenders also run green discounts on eligible properties, which is what the table above tracks.
Is a green home loan actually cheaper?
Not always. A green discount is a small margin off a lender's standard rate, so a mainstream lender's sharpest rate can still be lower. If your home qualifies, the green discount is worth taking, but compare it against the cheapest rates overall first, because the headline discount does not always beat the sharpest standard rate.
Green home loan questions, answered
What is a green home loan?
A green home loan is a mortgage that offers a discounted rate, or funds an eco upgrade, when your home meets an energy-efficiency standard or you install things like solar panels, batteries or efficient heating. Lenders offer them to encourage lower-emission housing, and the discount is usually a small margin off their standard rate rather than a whole separate product.
Which lenders offer green home loans in Australia?
As of 22 August 2026, Ratesniffers is tracking green or clean-energy home loans from 5 lenders: Bank Australia, Summerland Bank, Great Southern Bank, Gateway Bank, AFG Home Loans - Bright. Customer-owned and mutual banks are the most active in this space. The live table above shows the current rates, ranked by comparison rate.
How do I qualify for a green home loan discount?
It depends on the lender, but common tests are a minimum energy rating (for example a NatHERS star rating on a new build), having or installing solar and battery systems, or using the loan to fund specific efficiency upgrades. Some lenders apply the discount to new energy-efficient homes automatically; others require evidence such as a rating certificate or invoices for the eco works.
Is a green home loan cheaper than a normal home loan?
Not always. A green discount is usually a small margin off a lender's standard rate, so a mainstream lender's sharpest rate can still be lower. If your home qualifies for a green loan, compare it against the cheapest standard rate before deciding.
Next: compare all home loan rates, the cheapest rates overall, or use the offset savings calculator to see what extra repayments or an offset add on top of a sharp rate.