Green Home Loan Rates, July 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 17 Jun 2026)|Rates updated |929 products|85+ Australian lenders
Editor's Pick · Ratesniffers Editorial Team
Top Home Loan Rates in July 2026
Reviewed by the Ratesniffers Editorial Team, July 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
Great Southern BankBasic Green Home Loan (Construction)
6.04%
6.08%
70%
Fixed rate
Bank AustraliaClean Energy Home Loan Fixed
6.19%
6.23%
—
Basic Green Home Loan (Construction)
Owner-occupierVariableP&IRedraw
Interest
6.04%p.a.
Comparison*
6.08%p.a.
Monthly repayment
$3,011
LVR ≤70%
ECO Home Loan
Owner-occupierVariableP&IRedrawExtra repayments
Interest
6.08%p.a.
29d ago
Comparison*
6.12%p.a.
Monthly repayment
$3,024
LVR —
Green Plus Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
5.85%p.a.
Comparison*
6.14%p.a.
Monthly repayment
$2,950
LVR —
Clean Energy Home Loan Renovate (Construction)
Owner-occupierVariableP&IOffsetRedraw
Interest
6.13%p.a.
Comparison*
6.17%p.a.
Monthly repayment
$3,040
LVR ≤90%
*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, or funds an eco upgrade, when your home meets an energy-efficiency standard or you add things like solar, batteries or efficient heating. As of 8 July 2026, the lowest green home loan rate Ratesniffers tracks is 6.04% p.a. The discount is usually a small margin off a lender's standard rate rather than a whole separate product, so it is worth having if you qualify, but still worth comparing.
Which lenders offer green home loans?
As of 8 July 2026, the lenders with a green or clean-energy home loan on the Ratesniffers panel are Great Southern Bank, Summerland Bank, Gateway Bank, Bank Australia. 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.
Is a green home loan actually cheaper?
Not always. The lowest green rate Ratesniffers tracks is 6.04% p.a., against 5.89% for the cheapest rate across the whole market. 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 8 July 2026, Ratesniffers is tracking green or clean-energy home loans from 4 lenders: Great Southern Bank, Summerland Bank, Gateway Bank, Bank Australia. 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?
Sometimes, but not always. The lowest green rate Ratesniffers tracks is 6.04% p.a., while the lowest rate across the whole market is 5.89%. A green discount is worth having if your home qualifies, but it is still worth comparing against the sharpest standard rate, because a mainstream lender can undercut a discounted green rate.
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.