To qualify, we require a NatHERS certificate by an accredited assessor, showing a 7.0 star rating or higher. You need to talk to an accredited assessor to get a NatHERS certificate. Only homes built in last 12 months qualify.
Discounted rate
Get a lower upfront interest rate and up to 1.00% discount for 5 years for having an energy efficient home.
Simple & quick
Just supply a NatHERS certificate showing your home has an energy rating of at least 7.0 Stars.
Flexible repayments
Choose from Principal & Interest or up to 5 years of interest-only repayments.
Responsible lending
As one of Australia’s largest lenders, Firstmac has a commitment to the environment and the long-term sustainability of housing in Australia. Energy costs are rising globally and so is our carbon footprint. That’s why we are proud to have created our new low-interest-rate Green Home Loan to help in the fight against climate change.
Responsible lending isn’t just a financial responsibility, it is a social responsibility to the community in which we live.
Key Features
Green Home only
You will need to engage with an accredited assessor to get a NatHERS certificate for your home. Only homes built within the last 12 months qualify.
Your builder should be able to assist you in getting a NatHERS
certificate from an accredited assessor along with your building plans.
$0 fees
Save money with no annual or account keeping fees
Unlimited repayments
Get ahead on your loan with unlimited free additional repayments
Unlimited redraw
You can access loan repayments made ahead of your contracted monthly repayment without any fees
Visa Debit Card
Access your money with our free Visa debit card and unlimited free Eftpos
The Nationwide House Energy Rating Scheme
Energy efficiency is measured by the Nationwide House Energy Rating Scheme (NatHERS). To qualify as green, existing homes must have been built within the last 12 months, and have a minimum 7.0 Star NatHERS rating.
A NatHERS certificate is usually produced when the home is designed, including a rating out of 10, so, if you still have your plans, you may find the NatHERS rating in there.
Most new apartment blocks get an average NatHERS rating, and each apartment inside gets its own individual rating. We look at the rating of the individual apartment.
What is a green home?
Green homes come in many colours, not just green! What they share is that they are good for the environment.
That’s because they use less energy for heating and cooling, so they cause less greenhouse gas emissions.
As a bonus, their energy efficiency means you are likely to enjoy lower power costs.
Environment Victoria has reported that an energy-efficient home can cut electricity and gas bills by up to 40%, which would offer annual savings of up to $1000 for the average household.
A green, energy-efficient home is cheaper to cool, cheaper to heat and cheaper to borrow against!
FAQs View All FAQs
Things you should know before applying for a Green Home Loan
Customer reviews
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Rose from customer service assisted me on my first finance payment recently, she was friendly and helpful. She is a great asset to the team and represented Firstmac to a high standard. Thank you!„
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I recently had the pleasure of dealing with Firstmac, and I can't say enough about what a great experience I had! I had a few questions about their products/services, and they took the time to provide thorough answers, offering personalised recommendations that truly suited my needs. Their knowledge and enthusiasm were evident, which made my decision-making process so much easier.„
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I recently dealt with Firstmac, and I couldn't be more impressed with the experience! The entire process was incredibly easy and seamless from start to finish. They offer competitive rates and a wide range of products, making them an excellent choice even as a non-conforming bank. A special shoutout to Kelly Wright, who was absolutely fantastic to deal with. I highly recommend Firstmac to anyone looking for great service and tailored financial solutions!„
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