Interest
5.84%p.a.
Comparison*
5.90%p.a.
Est. repayment
$2,947
LVR not stated
Green Home Loan Rates, October 2026
Compare home loans for eligible energy-efficient properties. Check each lender's requirements, fees and discount period alongside the rates shown.
RBA cash rate 4.60%(effective 30 September 2026)·As at ·3,885 products·85+ Australian lenders
About these dates
Live rates updated 7 October 2026. Verified snapshot dated 2 October 2026 is used only for promoted 80% LVR claims, not as a second table date. Live figures change as lenders publish. The verified snapshot is the dated 80% LVR matrix used for promoted claims.
Sorted by comparison rate4 products shown
Interest
6.24%p.a.
Announced +25bp · eff 7 Oct
Comparison*
6.26%p.a.
Est. repayment
$3,075
LVR ≤80%
Interest
6.59%p.a.
Announced +25bp · eff 15 Oct
Comparison*
6.45%p.a.
Est. repayment
$3,190
LVR ≤90%
AFG Home Loans - BrightEvergreen Non-Resident Owner Occupied 75% - 80% LVR <$1m P&I
VariableOffsetRedraw
Interest
7.33%p.a.
Updating +25bp · eff 6 Oct
Comparison*
7.82%p.a.
Est. repayment
$3,438
LVR 75 to 80%
*Important Information and Comparison Rate Warning
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 can offer a rate discount for a property that meets the lender's energy-efficiency requirements. Eligibility can differ for new homes and renovations. Check the required evidence and how long the discount lasts before comparing it with a standard home loan.
What evidence might a lender need?
Check the eligibility checklist for the specific loan. Requirements can differ between a new build and an existing home with upgrades. Keep the relevant energy assessment, certificates and upgrade records available, and confirm when the evidence must be supplied.
For example, Bank Australia has separate Clean Energy Home Loan pathways for new builds and renovated homes. Its property criteria and supporting evidence must be checked for the applicable pathway. Read Bank Australia's eligibility information.
How can I compare a green loan with a standard loan?
Not necessarily. Compare interest rates with interest rates and comparison rates with comparison rates, using the same loan amount, term and repayment type. Check fees, features, the discount period and the rate that applies afterwards. A green label alone does not establish the lower total cost.
Use the repayment calculator to compare the same borrowing amount and term, then check fees and eligibility separately. You can also compare home loan rates without a green-property filter.
Green home loan questions, answered
What is a green home loan?
A green home loan can offer a rate discount for a property that meets the lender's energy-efficiency requirements. Eligibility can differ for new homes and renovations. Check the required evidence and how long the discount lasts before comparing it with a standard home loan.
Does installing solar automatically qualify me for a green home loan?
No. Solar panels alone do not establish eligibility. Each lender sets its own property and application requirements, which may include an energy rating, eligible upgrades and supporting documents. Confirm the requirements for your property before applying.
Is a green home loan cheaper than a normal home loan?
Not necessarily. Compare interest rates with interest rates and comparison rates with comparison rates, using the same loan amount, term and repayment type. Check fees, features, the discount period and the rate that applies afterwards. A green label alone does not establish the lower total cost.
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.