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Eco Home Loan

A loan for customers who chose to build or own an environmentally sustainable property – talk to us to find out if your property qualifies.

  • Competitive interest rate, as per Interest Rate Schedule
  • No establishment or monthly fees for eligible borrowers
  • Fast loan approval and speedy document preparation, so you can move quickly with your property purchase
  • Pre-approval available - have your loan approval ready before negotiation the purchase of your new property
  • Additional and lump-sum repayments possible
  • Redraws allowed

click here to compare home loan rates


To be eligible for an Eco Home or Investment loan the applicant must meet the following criteria:


1. Supply evidence of compliance with state based environmental planning standards (e.g., Basix) dated 2017 or newer plus two items from the Sustainable Features List below.


2. Supply evidence that the property that secures the loan features five items from the Sustainable Features List. If the property does not feature five, the loan purpose must include financing the purchase and/or installation of the remaining features.

Sustainable Features List:

  • Solar Power System (minimum 5kw)
  • Battery energy storage
  • Solar or Heat Pump Hot Water
  • Wall and ceiling insulation (minimum R2.5 and R4 respectively)
  • Underfloor insulation
  • Double glazed and/or tinted windows (minimum 75% of buildings external glass)
  • Reverse Cycle Air Conditioning (minimum 5-star energy rated)
  • Water storage (minimum 5,000 litres and plumbed to toilets and/or laundry)

Any other sustainable feature that the customer believes should be considered – subject to referral to, and acceptance by Summerland’s Sustainability Committee.

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Home Loan Guide

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Tools and Calculators

Crunch the numbers with our calculators.

Principal and interest repayments only. Minimum loan amount $150,000. Maximum LVR 60%. Owner Occupied loans only. Available only for new loans to Summerland and loan must be funded within 3 months of approval date. Lending criteria apply. Terms, conditions, fees and charges apply. Comparison rate calculated on a $150,000 secured loan over a 25 year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Target Market Determination available on request at our branches.


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